What Universal Credit Is and How to Apply for It

Universal Credit

For those who are unfamiliar with the concept of universal credit, the following breakdown can help you get up to speed. If you are in a lower income bracket and are currently out of work, you can apply for universal credit, as opposed to other benefits. Universal credit is applied for as a replacement for job seeker’s allowances, housing benefits and income support. Because loan sharks are so rampant in our society, the governments have introduced universal credit.




The amount of universal credit that an applicant can receive depends on your income. Your personal circumstances are also heavily considered. If you are provided with universal credit, you can receive the following benefits:

  • Support for housing
  • Childcare support
  • Disability and health care support
  • Aid for those who are caretakers for disabled loved ones



Additionally, you are also able to continue working while you receive universal credit and there is zero limit to the amount of hours that you can work. As you derive a larger portion of your income from working, your universal credit benefits will start to decrease. If you are on a low income, then your benefits are not all lost. The methods for universal credit payments are distributed differently from other forms of benefit. Universal credit is paid out a monthly basis and is sent directly to your credit union account or banking institution.

If you are currently living with your partner and each of you files for universal credit, you are given a single payment, with the objective of covering both of your expenses. After applying for universal credit, your first payment arrives six weeks later.

How Can You Apply?

Universal credit can be applied for online. If you would like to receive universal credit, you need to accept a claimant commitment. Claimant Commitments are required, as they are an agreement that is put into place to ensure that you are able to complete certain tasks.

The tasks depend on a variety of factors, including your health, your level of household responsibility and the amount of assistance you are going to need when it comes to finding work and increasing your income. Universal credit is not available in all parts of the United Kingdom, so check closely for availability.

If your application session is inactive for over 20 minutes, you will be timed out of the system and forced to start anew. To avoid this fate, have the following items on hand:

  • Your National Insurance number
  • Your postcode
  • All of your pertinent banking details, or those that pertain to your credit union or building society
  • Any rental agreement you have
  • All savings information, as well as other capital
  • Details about non work related income, such as an insurance plan
  • Details of all benefits you are receiving



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