Millions of households in the UK already claim Universal Credit, but there are thousands more who may be eligible but haven't yet made a claim. According to Policy in Practice, over one million people could be missing out on average payments of £9,600. We spoke to Nichola Salvato, a welfare rights adviser and campaigner, who has answered the most common questions she receives about Universal Credit.
Can I Claim Universal Credit if I'm in Work?
Many people are surprised to learn that they can qualify for Universal Credit even if they're already working. Nichola Salvato explains, "You qualify for Universal Credit even if you're in work and on a low income, so it's well worth looking into. How much you get will depend on your earnings, and your benefit will automatically be reduced as your earnings increase."
How Long Does a First Universal Credit Claim Take to Process?
If you're eligible for Universal Credit and ready to apply, the process typically takes around five weeks from start to finish. Nichola advises, "In the interim period, you should be able to apply for a new claim advance to get you through." This advance payment loan is designed to bridge the gap until your first Universal Credit payment kicks in.
How Much Universal Credit Will I Get?
The amount of Universal Credit you receive depends on various factors, including your income, savings, housing costs, children living with you, and your age. Nichola explains, "Your UC will be calculated based on a standard allowance, adjusted for your specific circumstances." You can estimate your entitlement using an online benefits calculator.
Can I Get Help with Housing Costs Through Universal Credit?
Universal Credit can help you pay your rent or part of it, as well as some service charges. Nichola says, "The amount you get will depend on whether you rent privately or from the Council or Housing Association, your bedroom entitlement, and the Local Housing Allowance rates for your area." Speak to a benefits advisor to find out exactly how much you could receive.
Can I Claim Other Benefits on Top of Universal Credit?
Many households on Universal Credit are unaware that they may be eligible for additional benefits. Nichola reveals, "You can get up to £170 extra in benefits each week if you suffer from long-term health conditions or disabilities through Personal Independence Payment (PIP)." Check to see if you're eligible for PIP, as it can provide valuable financial support.
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