Universal Credit

If you’re out of work or on a low income, you may be able to claim Universal Credit to boost the money you have coming in.

What is Universal Credit?

Universal Credit is a means-tested, non-taxable benefit paid to people under State Pension age.

It's paid monthly. It's designed to help you if you're on a low income or out of work. There are different elements depending on your circumstances – for example, if you’re a carer or you have a long-term health condition or disability.

Am I eligible for Universal Credit?

To claim Universal Credit, you must:

• have a low income or be out of work
• not be in education 
• have savings below £16,000
• accept a ‘claimant commitment’

A claimant commitment outlines what you'll need to do to keep receiving Universal Credit. For example, it often includes a job search plan to help you get back to work or earn more income. These conditions will depend on your health, your responsibilities, and your circumstances. If you don’t meet the conditions, your benefit may be reduced or stopped.

'Mixed-age' couples

If you’re a mixed-age couple (meaning only one of you is over State Pension age), you normally have to claim Universal Credit until you both reach State Pension age, at which point you can claim Pension Credit. Mixed-age couples already claiming Pension Credit can stay on it as long as they remain eligible.

Our factsheet and information guide have more details on Universal Credit, including the current rates (the factsheet contains more in-depth information):

Factsheet 92: Universal Credit

Information guide 58: Universal Credit

How do I claim Universal Credit?

Fill out the online claim form on GOV.UK

What happens next?

Your online claim will be followed by a face-to-face interview with a work coach at your local Jobcentre Plus.

Need help?

If you need help filling out the form or have any questions, call the Universal Credit helpline on 0800 328 5644 (or textphone 0800 328 1344).