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Universal Credit (UC)

Universal Credit is a means-tested benefit. You cannot receive Universal Credit if you have savings of £16,000 or more.

Use the Turn2us benefits calculator to find out what you can claim.

Claiming Universal Credit

You will need to make a claim with the Department for Work and Pensions (DWP).

How to claim Universal Credit: step by step (GOV.UK)

Contact Citizens Advice about applying for Universal Credit.

Universal Credit payments

Universal Credit is paid once a month. You will have to wait at least 5 weeks for your first payment.

Managing your money on Universal Credit

Advance payments

You can ask for an advance payment of your Universal Credit 5 days after submitting your claim. You must pay the advance back within 24 months but you do not pay interest.

Get an advance payment (GOV.UK)

Help claiming

Citizens Advice runs a Help to Claim service to help you:

  • work out if you can get Universal Credit
  • fill in the Universal Credit application form
  • prepare for your first job centre appointment
  • check your first payment is correct

Help to Claim (Citizens Advice)

Work Capability Assessment

You will usually have a Work Capability Assessment. This is to find out if your condition affects your ability to work. You will need to fill in a form about how your condition affects you. You may also have a medical assessment.

Work Capability Assessment (Disability Rights UK)

Depending on how your condition affects you, the DWP assessor decides what you must do to claim Universal Credit.

You can go into 1 of 3 ‘activity groups’:

Limited capability for work and work-related activity

You do not have to work or prepare for work.

Limited capability for work

You do not have to work, but you must do some regular tasks to get ready for work, such as meeting your Work Coach or training.

Fit for work

You must do regular tasks to get ready for work and be looking for work 35 hours a week.

Appealing DWP decisions

You might want to appeal if you think your Work Capability Assessment is wrong and that you should not be looking for work or doing tasks to get ready for work. For example, the DWP says you are fit for work.

Check you’re in the right Universal Credit work-related activity group (Citizens Advice)

Challenging a decision about PIP or other benefits

Starting work and pay rises

You can work and claim Universal Credit. You must contact the DWP if you start a new job.

As you earn more, your Universal Credit reduces but you should still be better off.

You may keep more of what you earn if you or your partner have limited capability for work.

Pay rises and benefits

Probation periods

Contact Jobcentre Plus to tell them when you start working.

If your job is affecting your health, get advice from your doctor and send evidence to your Work Coach.

Talk to your Work Coach if you do not pass your probation period.

You may lose benefits if your employer dismisses you.


Your Work Coach may ask you to prove that your work is useful and productive. They call this 'gainful' employment.

They'll probably ask about your:

  • clients
  • suppliers
  • appointments
  • business plan

You might not have to do this if the DWP says that you do not need to look for work.

Self-employment and benefits

Zero-hour contracts

Zero-hour contracts and unpredictable work can affect other income-related benefits, like Housing Benefit. You will need to provide pay slips so that the council can work out your average wage.

Zero-hour contracts

Finishing work due to ill health

If you resign and the DWP does not think you had a good reason, they could cut or reduce your benefits. Get written evidence to show that stopping work was not your choice. This could be a letter or email.


You may be able to claim Universal Credit and other benefits if you are made redundant.

Redundancy and your rights

Could reasonable adjustments help?

Your employer should work with you to find reasonable adjustments that could support you to keep working. This could include equipment or a change in duties.

There is no set definition of what is ‘reasonable’. It depends on:

  • your job
  • your employer
  • your condition

If your employer does not work with you to find reasonable adjustments, this could be discrimination.

Disability discrimination at work

Reasonable adjustments

If you become disabled or your condition changes, your employer should make reasonable adjustments to help you carry on working.

You could get an Access to Work grant to help pay for reasonable adjustments.

Reasonable adjustments at work

Work and benefits if your condition changes

Students claiming Universal Credit

The rules for students are complicated. Get advice before you start studying.

Call the Disability Rights UK Students Helpline to get advice

Apply for other benefits as soon as you can

You can only claim Universal Credit as a student if all of the following apply:

  • You have applied for New Style Employment and Support Allowance (NESA), and have a Work Capability Assessment that says you have limited capability for work.
  • You receive Personal Independence Payment (PIP) or another disability benefit.

A claim for NESA can take more than 4 months. Claim NESA as soon as you can.

How to claim 'new style' Employment and Support Allowance (GOV.UK)

If you think you may be eligible, apply for Personal Independence Payment (PIP).

Personal Independence Payment (PIP)

Student finance, loans and scholarships

Your student income can affect how much Universal Credit you receive. Student income includes:

  • student maintenance loans
  • student grants
  • scholarships from a college or university for anything that is not travel costs, books, equipment or childcare
  • bursaries, like a teacher training bursary

Loans for tuition fees do not affect your student income or the Universal Credit you receive.

How student finance affects your benefits

Change in circumstances

You will move on to Universal Credit if all of the following apply:

  • you are claiming an older legacy benefit that Universal Credit replaces
  • you have what the DWP calls a “change in circumstances”

Older 'legacy benefits’ that Universal Credit is replacing

Universal Credit is replacing 6 benefits. The DWP calls these legacy benefits:

  • Housing Benefit
  • income-related Employment and Support Allowance (ESA)
  • income-based Jobseeker’s Allowance (JSA)
  • Child Tax Credits (CTC)
  • Working Tax Credits (WTC)
  • Income Support

Warning Starting a new job and other ‘changes in circumstances’

If you have what the DWP calls a ‘change in circumstances’, you may move on to Universal Credit automatically. If this happens, you would not be able to re-claim any legacy benefits.

Depending on your circumstances, you might be able to choose if you move onto Universal Credit.

Ask your Work Coach if you’re not sure.

Examples of change in circumstances

These include:

  • starting a new job
  • stopping work
  • having a child
  • a partner starts living with you
  • a partner stops living with you
  • starting or stopping being a carer
  • moving house

Universal Credit triggers (entitledto)

Last reviewed by Scope on: 09/07/2021

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