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 Wednesday, 19 June 2019
Welfare Reform

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Universal Credit



What is Universal Credit?

Universal Credit is part of the government’s welfare reform policy. It is a single monthly payment for people who are not working or are on a low income. If you are aged between 18 and State Pension age and claim certain benefits, you will be affected.

Universal Credit has replaced the following benefits, which are now known as ‘legacy benefits’.

  • Housing Benefit
  • Income-based Jobseekers Allowance
  • Income-related Employment and Support Allowance
  • Income Support
  • Child Tax Credit
  • Working Tax Credit

How does it work?

If you are already on the Live Service
You will be moved onto the Full (Digital) Service when it rolls-out in your area.

If you are making a new claim and have never been on Universal Credit
Your claim will be processed on the Full (Digital) Service if it has rolled-out in your area.

If you are in receipt of any legacy benefits and do not have a change of circumstance
You will not be affected until at least 2019 when migration takes place.

If you are in receipt of any legacy benefits and have a change of circumstance after roll-out in your area
You may be requested to apply for Universal Credit.

The Department for Work and Pensions (DWP) has introduced Universal Credit in two stages. The Live Service applies to single people out of work. This is now being replaced by the Full (Digital) Service which is being rolled out at different times across local areas.

What will this mean for you?


Click here to view an easy guide to Universal Credit video. 

Click here for more Universal Credit guidance - 'Universal Credit as a smoothie'

Our Money Matters Team is here to help

We can help your move to Universal Credit go smoothly, even if you’re not likely to be affected straight away, we can help make sure you are ready.

We can help you:

  • Understand how Universal Credit will affect you
  • Set up an email address and get online
  • Set up a bank account and a direct debit or standing order to pay your rent
  • Look at your budget, access debt advice, lower your energy bills and pay off fuel debts
  • Develop your CV and find work

Get in touch ›››

If you are concerned about how the benefit cap will affect you please contact:

Michelle Cox
Money Matters Team
T: 0300 5000 600

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