Are You Getting the Money You're Entitled To?
Understanding the rules around joint Universal Credit claims can make a big difference in the amount of money you receive. In fact, it could boost your benefit payments by up to £1,904 a year. But it's crucial to know when to make a joint claim and when to make two single claims. Here's what you need to know.
When Should You Make a Joint Claim?
If you are married or living together as a couple, you must make a joint claim for Universal Credit. The standard monthly allowance for joint claimants is £578.82. However, it's important to note that a joint claim is generally much less than two single person claims. So, if you and your partner are both single, it may be more beneficial to make two separate claims.
What Defines a Couple?
Unfortunately, the Department for Work and Pensions (DWP) does not provide a clear definition of what constitutes a couple. The decision is based on various factors, such as whether you live together, your domestic arrangements, sharing of finances, and more. It's best to use examples to determine whether you should make a joint claim or separate claims.
Don't Assume Living Together Means You're a Couple
Living together does not automatically mean you are considered a couple for Universal Credit purposes. Even if you are married and living together, you may still be able to make separate claims. On the other hand, if one person works away from home or is absent for more than six months, a single claim may be required.
How Much Can You Get on Universal Credit?
The amount of Universal Credit you receive depends on various factors, such as your income, age, and whether you live with someone. The standard monthly allowances range from £292.11 for single individuals under 25 to £578.82 for joint claimants who are both 25 or over. These rates are set to rise in April 2024 to keep up with the cost of living.
Don't Miss Out on Essential Cash
It's estimated that £7.5 billion worth of Universal Credit goes unclaimed each year. To ensure you're getting the money you're entitled to, use a benefits calculator to check if you're missing out. Additional payments may be available if you have children, a disability or health condition, or need help with housing costs.
How to Claim Universal Credit
You can apply for Universal Credit online by creating a government website account. Make sure to submit your claim within 28 days of creating your account. You'll need to provide information about your income, bank account, and identity. If you need assistance, you can call the Universal Credit helpline or get support from Citizens Advice.
Remember, understanding the rules and making the right claim can make a significant difference in your Universal Credit payments. Don't miss out on the money you're entitled to – check your eligibility and make your claim today.
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