How to Apply for Universal Credit in the UK? | Claiming Process

Navigating financial challenges can be daunting, but Universal Credit is designed to provide essential support to those in need.

Whether you’re unemployed, on a low income, or dealing with changes in your circumstances, understanding the application process is the first step toward securing the assistance you’re entitled to. This guide offers a professional, step-by-step breakdown of how to apply for Universal Credit in the UK.

What is Universal Credit?

Universal Credit is a financial payment provided by the UK government to help individuals and families with their living costs. It’s designed to simplify the benefits system by combining multiple legacy benefits into a single payment.

Universal Credit is typically paid monthly, though some people in the UK may receive it twice a month, depending on their circumstances.

Universal Credit and Other Benefits

Universal Credit has replaced the following benefits and tax credits:

• Child Tax Credit
• Housing Benefit
• Income Support
• Income-based Jobseeker’s Allowance (JSA)
• Income-related Employment and Support Allowance (ESA)
• Working Tax Credit

If you’re already receiving any of these benefits, you don’t need to act immediately unless:

1. Your circumstances change (e.g., a new job, moving home).
2. You receive a Migration Notice, a letter instructing you to transition to Universal Credit.

What Happens When You Transition to Universal Credit?

• Upon claiming Universal Credit, the above benefits and tax credits will stop for you and your partner.
• If one of you receives Pension Credit, this will also stop when Universal Credit is claimed.
• However, other benefits such as Personal Independence Payment (PIP) or Carer’s Allowance will continue as usual.

Important Notes on Migration Notices

If you receive a Migration Notice, you must transition to Universal Credit within three months to ensure uninterrupted financial support. Failing to make the switch could result in a loss of income.

How Universal Credit Affects Other Benefits?

While some benefits continue alongside Universal Credit, certain other benefits might reduce the amount of Universal Credit you receive. This ensures that overall financial support is balanced and equitable.

For example:

• If you’re receiving other income-based benefits alongside Universal Credit, adjustments may be made to avoid duplication of financial support.
• You can read more about how specific benefits, like tax credits, interact with Universal Credit on official government resources.

Universal Credit aims to make the benefits system more accessible and efficient, providing financial stability while adapting to individual needs and life changes.

What Are the Universal Credit Eligibility Criteria?

Universal Credit is a financial lifeline for individuals and families in the UK who are struggling with their living costs. However, eligibility for Universal Credit depends on several factors, including your income, circumstances, and household composition. Here’s a comprehensive guide to help you understand whether you qualify for Universal Credit.

Who Can Apply for Universal Credit?

You may be eligible for Universal Credit if you:

• Are on a low income or need assistance with living costs.
• Are out of work.
• Are working, including part-time or self-employed.
• Are unable to work due to a health condition or disability.

General Eligibility Requirements

To claim Universal Credit, you must meet the following conditions:

• Residency: You must live in the UK.
• Age: You must be at least 18 years old (exceptions exist for 16-17-year-olds in specific situations).
• State Pension Age: You must be under the State Pension age.
• Savings: Your total money, savings, and investments must be £16,000 or less.

Eligibility for Specific Groups

1. If You’re an EU, EEA, or Swiss Citizen

You and your family may need settled or pre-settled status under the EU Settlement Scheme to claim Universal Credit. This ensures your rights to benefits are protected after Brexit.

2. If You Live with a Partner

• Both partners must apply for Universal Credit jointly, even if only one of you qualifies.
• The amount you receive will depend on the combined income and savings of you and your partner.

3. If One Partner Has Reached State Pension Age

• Couples where one partner is above State Pension age can still claim Universal Credit.
• However, the claim will stop when both partners reach State Pension age.
• If you’re already receiving Pension Credit, this will end if either of you claims Universal Credit.

4. If You’re a Student or in Training

You may qualify for Universal Credit as a full-time student if:

• You live with an eligible partner.
• You’re responsible for a child as a single person or part of a couple.
• You’re under 21, studying up to A-level or equivalent, and lack parental support.
• You have received a Migration Notice letter to move to Universal Credit.
• You’re a student with a disability or health condition and have limited capability for work, as determined by a Work Capability Assessment.

Note: If you’re studying part-time or your course doesn’t qualify for student loans, you may also be eligible.

Special Cases for 16-17-Year-Olds

Individuals aged 16-17 can claim Universal Credit under specific circumstances, such as:

• Having a health condition or disability with medical evidence (e.g., a fit note).
• Caring for someone who receives a health or disability-related benefit.
• Being responsible for a child or expecting a child within 11 weeks.
• Lacking parental support (e.g., not living with parents or under local authority care).

Eligibility for Those Who Have Received a Migration Notice

If you receive a Migration Notice instructing you to transition to Universal Credit, specific eligibility rules apply:

• You must move to Universal Credit within three months to continue receiving financial support.
• Legacy benefits such as Child Tax Credit and Housing Benefit will stop once you transition to Universal Credit.

Students with Disabilities or Health Conditions

Full-time students can apply for Universal Credit if they:

• Have been assessed as having limited capability for work by a Work Capability Assessment.
• Are entitled to specific disability-related benefits such as:
  • Personal Independence Payment (PIP)
  • Disability Living Allowance (DLA)
  • Child Disability Payment (CDP) in Scotland
  • Adult Disability Payment (ADP) in Scotland
  • Attendance Allowance

How to Claim Universal Credit?

Claiming Universal Credit is a straightforward process designed to provide financial support for individuals and families in the UK. Whether you’re applying for the first time or transitioning from other benefits, following these steps will ensure a smooth application process.

Step 1: Apply Online

The quickest way to claim Universal Credit is through the official online portal. Here’s how:

1. Visit the Universal Credit application page.
2. Create an Account: You’ll need an account to start your application.
   • Submit your claim within 28 days of creating the account to avoid starting over.
   • Your claim officially begins on the date you submit it through your account.
3. For Couples: If you live with a partner, both of you must create separate accounts and link them during the application process.

If you’re unable to apply online, you can contact the Universal Credit helpline to apply by phone.

Step 2: Check If Universal Credit is Right for You

Before applying, it’s essential to determine if Universal Credit is the best option for your financial situation.

• Applying for Universal Credit may end your current benefits or tax credits, even if your claim is denied.
• Once ended, you cannot reapply for those benefits.

How to check:

• Use a benefits calculator for personalised advice.
• Contact the Citizens Advice Help to Claim service for expert guidance.
• Seek advice from a local benefits adviser.

Step 3: Gather the Necessary Information

To complete your claim, you’ll need to provide specific details and documents.

Personal Information:

• Bank Account Details: Ensure you have an active account (bank, building society, or credit union).
• Email Address: Required for communication and account creation.
• Phone Access: You’ll need a phone number for verification and updates.

Identity Verification:

You’ll need documents such as:

• Driving licence
• Passport
• Debit or credit card
• Payslip or P60

Additional Details:

Prepare information about the following:

• Housing: Rent payments or mortgage details.
• Earnings: Payslips or proof of income.
• National Insurance Number: If applicable.
• Other Benefits: Details of benefits you’re currently receiving.
• Health Conditions: Information about disabilities or medical issues that affect your ability to work.
• Childcare Costs: If applying for help with childcare expenses.
• Savings and Investments: Include shares or rental properties.

If you face challenges providing any of this information, you can visit a Jobcentre or call the Universal Credit helpline for assistance.

Step 4: Verify Your Identity

You must confirm your identity to complete your claim.

• Online verification requires uploading the documents mentioned above.
• If online verification is not possible, you’ll need to attend an in-person or phone appointment with the Universal Credit team.

Step 5: Attend a Claimant Commitment Meeting

Before your first payment is processed, you’ll need to meet with the Universal Credit team to agree on your Claimant Commitment. This document outlines your responsibilities, such as job search activities or attending training.

• You’ll be informed whether this meeting will take place in a Jobcentre or over the phone.
• Ensure you attend this meeting promptly, as your first payment depends on it.

What If You’ve Claimed Universal Credit Before?

If you’ve previously claimed Universal Credit, restarting a claim is straightforward. Here’s a guide to help you navigate the process and understand your options if delays or disputes arise.

Starting a New Claim

To make a new claim after having claimed Universal Credit before, simply:

1. Sign in to your Universal Credit account using your existing login credentials.
2. Follow the instructions to start a new claim.

Your Universal Credit account retains key information, streamlining the process for returning claimants.

Backdating Your Claim

If you were unable to make a claim on time through no fault of your own, you may be eligible to backdate your claim by up to one month.

Circumstances where backdating might apply:

• Disability: If a disability prevented you from claiming earlier.
• Health Issues: Severe health problems that delayed your application.
• Technical Issues: If the online service was unavailable and you claimed as soon as it was operational again.
• Other Benefits Ending: If you were previously receiving a benefit that stopped, and you weren’t informed in time to make a new claim.
• Partner Claim Issues: If you started a claim with a partner but they didn’t complete their part, leading you to claim as a single person later.

How to Request Backdating?

To request backdating:

1. Submit a request through your Universal Credit account.
2. Call the Universal Credit helpline for assistance.
3. Speak directly to your work coach about your situation.

You may need to provide evidence to support your backdating request, such as medical certificates, proof of technical issues, or documentation of other benefits you were receiving.

What If You Disagree with a Decision?

If you feel a decision about your Universal Credit claim is incorrect, you can challenge it by requesting a mandatory reconsideration.

How to request a mandatory reconsideration:

• Log in to your Universal Credit account and submit the request.
• Contact the Universal Credit helpline.
• Provide evidence or an explanation to support your appeal.

The Department for Work and Pensions (DWP) will review the decision, and if successful, it may result in changes to your claim.

What Are the Common Mistakes to Avoid During the Universal Credit Application Process?

Applying for Universal Credit can be a lifeline, but mistakes during the application process can lead to delays, rejections, or reduced payments. By understanding and avoiding these common pitfalls, you can ensure a smoother experience.

1. Providing Incomplete or Incorrect Information

Submitting incomplete forms or providing inaccurate details about your personal, financial, or housing situation can result in processing delays or denied claims.

Avoid this mistake by:

• Double-checking all fields before submitting your application.
• Using official documents (e.g., bank statements, payslips) to ensure accuracy.

2. Missing Deadlines

Your claim starts from the date you submit your completed application. Failing to meet deadlines, such as completing your claim within 28 days of account creation, may require you to start over.

Avoid this mistake by:

• Submitting your application as soon as possible.
• Responding promptly to requests for additional information or appointments.

3. Failing to Report Changes in Circumstances

Changes in income, employment, or household composition can affect your Universal Credit entitlement. Not reporting these changes promptly can lead to overpayments or underpayments.

Avoid this mistake by:

• Regularly updating your Universal Credit account.
• Using the “Report a Change” feature for timely updates.

4. Skipping the Claimant Commitment Meeting

Before receiving your first payment, you must attend a meeting to agree on your Claimant Commitment. Missing this appointment can delay or stop your payments.

Avoid this mistake by:

• Scheduling the meeting at a convenient time and attending promptly.
• Contacting your work coach to reschedule if you’re unable to attend.

5. Assuming Eligibility Without Verification

Not all applicants qualify for Universal Credit. Failing to verify eligibility criteria, such as income thresholds or savings limits, can lead to unnecessary effort and disappointment.

Avoid this mistake by:

• Using a benefits calculator before starting your application.
• Seeking advice from Citizens Advice or a local benefits adviser.

Universal Credit Helpline and Support Options

If you encounter difficulties during the process, various support channels are available:

• Universal Credit Helpline: Call 0800 328 5644 for assistance.
• Citizens Advice Help to Claim Service: Free and impartial advice for new claimants.
• Local Jobcentre: Staff can provide in-person guidance and support.

Conclusion

Applying for Universal Credit follows a well-defined process that helps ensure those who are eligible receive the financial assistance they need. By familiarizing yourself with the requirements, collecting the necessary documents, and carefully completing each step, you can submit your application with assurance.

To learn more about Universal Credit and other helpful topics, visit Universal Credit News.

FAQ

Can I apply for Universal Credit if I am self-employed?

Yes, as long as your income and savings meet the eligibility criteria.

What happens if my application is rejected?

You can request a Mandatory Reconsideration, which allows you to challenge the decision with additional evidence.

How long does it take to process a Universal Credit claim?

It usually takes around five weeks to receive the first payment, including a one-month assessment period.

Can students apply for Universal Credit?

Some students are eligible, such as those with children or disabilities.

How do I report changes in circumstances for Universal Credit?

Log in to your Universal Credit account and use the “Report a Change” feature.