How Long Does It Take for Universal Credit to Be Approved in the UK?

Universal Credit is a critical financial lifeline for many individuals and families in the UK. Understanding how long it takes for a Universal Credit application to be approved is essential for those relying on financial support to meet their daily needs.

The process can sometimes be confusing, and delays can add stress to an already difficult situation.

In this blog, we’ll break down the Universal Credit approval timeline, explore the factors that affect the process, and offer practical guidance on how to speed it up.

Whether you’re new to the system or waiting for your first payment, this guide will provide you with everything you need to know.

Why Do People Apply for Universal Credit?

Universal Credit is a government welfare benefit in the UK designed to provide financial assistance to people who are unemployed, on low income, or unable to work due to health issues. It combines six older benefits (like Housing Benefit, Jobseeker’s Allowance, and Child Tax Credit) into one streamlined monthly payment.

People apply for Universal Credit to access financial support for essential living costs, such as rent, food, and utilities. Some of the most common reasons for applying include:

• Job loss: If you’ve recently lost your job, Universal Credit can help you cover essential living expenses.
• Reduction in working hours: If your employer reduces your hours, you may be eligible for Universal Credit to supplement your income.
• Health issues: If illness or injury prevents you from working, you can claim Universal Credit to help you financially.

How Long Does It Take to Get Universal Credit Approved?

The Universal Credit process takes around 5 weeks from the date you submit your application. This period includes time for claim review, verification, and payment processing.

Breakdown of the 5-Week Timeline

Stage	Timeframe	What Happens?
Application Submission	Day 1	You submit your Universal Credit application online.
Verification and Assessment	1 month (30 days)	The DWP verifies your details and assesses your claim.
Payment Processing	Up to 7 days	After the 30-day assessment, your payment is processed.
Total	Around 5 weeks	From submission to first payment.

Why Does It Take 5 Weeks for Universal Credit to Be Approved?

Many people wonder why the process takes so long. The DWP follows a structured process to ensure that claims are accurate, complete, and reflective of your current financial situation. Here’s why it takes 5 weeks:

1. Claim Review and Verification (Days 1-7)
   • After you submit your application online, the DWP begins a thorough review of your claim.
   • You may be required to submit identity verification documents, proof of rent, and details about your income.
   • This process ensures that only eligible individuals receive Universal Credit.
2. The Assessment Period (30 Days)
   • The assessment period starts the day you apply and lasts for 1 month (30 days).
   • The DWP monitors changes in your work, income, and living arrangements to ensure you receive the correct amount.
   • You must report any changes during this period, such as a new job or a change in household income.
3. Payment Processing (7 Days)
   • Once the assessment period is over, it takes up to 7 days for your payment to be processed and sent to your bank account.

When Will You Receive Your First Universal Credit Payment?

The timeline for receiving your first Universal Credit payment is one of the most important aspects for claimants.

On average, it takes around 5 weeks from the day you submit your claim to receive the first payment. This period includes:

• 30 days for the assessment period
• Up to 7 days for the first payment to be processed and sent to your bank account

The DWP follows a strict timeline, and payments are typically made on the same date each month. Here’s a breakdown of how it works:

How the Payment Schedule Works?

1. Day 1 – You submit your claim online.
2. Day 1 to Day 30 – The DWP assesses your situation (this is called the assessment period).
3. Day 31 to Day 37 – Your first payment is processed and sent to your bank account.

Once you receive your first payment, you will continue to receive future payments on the same date each month. For example, if your first payment is made on the 7th of February, all future payments will be made on the 7th of each month.

What to Expect During the First Payment?

• Payment Method: Payments are sent directly to your bank, building society, or credit union account.
• What the Payment Covers: The payment includes support for living expenses, housing (if applicable), and other applicable benefits.

Can You Get Paid Sooner Than 5 Weeks?

Yes, if you are struggling to manage your finances while waiting for your first Universal Credit payment, you can request an advance payment.

This option allows you to receive part of your Universal Credit payment early. However, it is important to note that this is not free money, it’s a loan that must be repaid through deductions from your future Universal Credit payments.

What Is an Advance Payment?

An advance payment is a short-term financial loan from the DWP to help claimants cover essential living costs while waiting for their first Universal Credit payment. The advance payment is interest-free, but it must be repaid gradually from your future Universal Credit payments.

How Much Can You Borrow?

You can request up to 100% of your estimated Universal Credit payment. For example, if you are expected to receive £500 as your monthly Universal Credit payment, you can request up to £500 as an advance.

How to Request an Advance Payment?

1. Log in to your Universal Credit account online.
2. Go to the “Apply for an Advance Payment” section.
3. Submit your request online or ask your work coach for help.
4. Provide a reason why you need the advance (like paying rent or buying food).

Once approved, the payment is typically made within 2 to 3 days.

Repaying the Advance Payment

• The repayment is automatically deducted from your future Universal Credit payments.
• Repayments are spread over 24 months (as of 2024), which reduces the monthly financial impact on claimants.
• If you later have financial difficulties, you can request a temporary reduction in your repayments.

What Can Delay the Universal Credit Approval Process?

While most people receive their first payment after 5 weeks, some experience delays due to errors or verification issues. Here are the most common factors that could slow down your Universal Credit approval:

Missing or Incorrect Information

If you submit an incomplete application or provide incorrect details, the DWP will need to contact you for clarification. This could delay the start of your assessment period. Common mistakes include:

• Incorrect bank account details.
• Missing employment or income details.
• Failure to provide information about your housing costs (like rent or mortgage details).

Delays in Identity Verification

To prevent fraud, the DWP requires every applicant to verify their identity. This is usually done online using the Gov.uk Verify system. If your identity cannot be confirmed online, you may need to attend a phone or face-to-face interview. This process can add days or weeks to your claim.

Missed Appointments

Sometimes, the DWP may request that you attend a phone or online interview. If you miss this appointment, your claim may be paused until you reschedule.

Technical Issues or System Backlogs

During periods of high demand (like during economic crises or changes in government policy), the DWP may experience delays in processing claims. While this is less common, it can cause payment delays for applicants.

Changes in Personal Circumstances

If your situation changes (like getting a new job or moving house) during the assessment period, you must report it to the DWP. These changes can result in additional processing time.

Issues with Proof of Rent and Housing Costs

If you are claiming support for housing costs (rent payments), you’ll need to submit evidence of your tenancy agreement. Failure to provide this information could delay your housing benefit payments.

How to Avoid Delays in Your Universal Credit Application?

To ensure you receive your Universal Credit payment on time, it’s essential to follow these best practices.

Submit a Complete Application

Make sure your Universal Credit application is filled out accurately and completely. Double-check your personal details, such as:

• Full name
• National Insurance number
• Bank account details

Provide Verification Documents Promptly

Once you submit your claim, you may be asked to provide:

• Proof of identity (passport, driver’s license, etc.).
• Proof of rent (tenancy agreement or landlord letter).
• Income information (pay slips, employer letter, or self-assessment tax return).

Upload these documents as soon as possible to avoid delays.

Respond to DWP Requests Quickly

The DWP may send you messages via your Universal Credit online journal. Check it regularly and respond to any requests for information as soon as possible.

Attend Appointments

If the DWP schedules a call or asks for an online interview, make sure you attend. Missing appointments can result in your claim being put on hold.

Report Changes in Your Circumstances Promptly

If your situation changes during the 30-day assessment period (like getting a new job or moving), notify the DWP immediately. Changes that are not reported in time could result in payment delays.

How to Track the Progress of Your Universal Credit Application?

Tracking your Universal Credit application is essential if you want to stay updated on its progress. Fortunately, the DWP offers a simple system to check your claim status online.

Where to Track Your Universal Credit Application?

1. Log in to your Universal Credit account using your username and password.
2. Click on the “Payments” section to view the status of your payment.
3. Check the journal for any messages from your work coach or requests for additional information.

What Can You Track?

• Payment Status: See the estimated date of your next payment.
• Requests for Information: If the DWP needs more information, it will be posted in your journal.
• Messages from Your Work Coach: If your claim is on hold or needs attention, your work coach will send you a message.

What to Do If You Can’t Track Your Application?

If you’re unable to track your application online, you can contact the DWP using the Universal Credit helpline. When calling, have your National Insurance number ready, as they will use it to identify your claim.

Final Thoughts

The process for getting Universal Credit approved takes around 5 weeks, and understanding each stage of this process can make the experience less stressful.

To avoid delays, make sure you provide accurate information, respond to DWP requests, and attend any required appointments.

If you need money before the first payment is made, consider applying for an advance payment. It can help you manage essential expenses like rent, food, and utility bills. While you’ll need to repay this advance, it can offer vital financial relief.

For more guidance on Universal Credit, visit universalcreditnews.co.uk for the latest updates.

FAQ

Can I get paid before 5 weeks?

Yes, you can request an advance payment, which you will need to repay later.

What happens if my application is delayed?

Check your Universal Credit journal or contact your work coach for guidance.

Can I track my Universal Credit application?

Yes, you can track your application through the Universal Credit online portal.

How do I request an advance payment?

Request it online through your Universal Credit account or contact your work coach.

Why is my Universal Credit payment delayed?

Delays often happen due to missing documents, system backlogs, or verification issues.

What is the assessment period?

The assessment period is the 30-day period where the DWP reviews your financial situation before making a payment decision.