Guide: Applying for Universal Credit
Universal Credit is a financial assistance program for people in the UK who are on a low income or out of work. Here’s a step-by-step guide to help you apply for Universal Credit.
Step 1: Check Eligibility
Before applying, ensure you meet the eligibility criteria:
- You are 18 years old or over.
- You are under State Pension age.
- You and your partner (if applicable) have £16,000 or less in savings between you.
- You live in the UK.
For more detailed eligibility criteria, visit the Gov.uk Universal Credit eligibility page.
Step 2: Gather Required Information
You’ll need the following information to complete your application:
- National Insurance number.
- Bank, building society, or credit union account details.
- Your email address.
- Information about your housing (e.g., how much rent you pay).
- Details of your income (e.g., payslips).
- Information about savings and investments.
- Details of how much you pay for childcare if you’re applying for help with childcare costs.
Step 3: Create an Account and Apply Online
- Visit the Universal Credit website: Go to the Universal Credit application page to start your application.
- Create an account: You’ll need to create a secure account. Follow the on-screen instructions to set this up.
- Fill in your details: Complete the application form with the information gathered in Step 2.
Step 4: Verify Your Identity
After submitting your application, you’ll need to verify your identity online. This can be done using the Government Gateway or by using other services like Verify.
Step 5: Attend an Interview
You will be asked to attend an interview at your local Jobcentre Plus office. You’ll receive a message in your Universal Credit account with the date and time of your interview. During this interview, you’ll discuss your application and agree on your claimant commitment (a set of responsibilities you must meet to receive Universal Credit).
Step 6: Manage Your Claim
Once your application is accepted, you’ll need to regularly update your online account with any changes in your circumstances. This includes changes in income, address, or employment status. You’ll also need to keep a record of your job search activities if you’re unemployed.
Step 7: Receive Payments
If your application is successful, you’ll receive payments directly into your bank account. Universal Credit is paid monthly, and it may take up to five weeks to get your first payment.
Additional Support
If you need help with your application, you can get free support from:
- Citizens Advice: Provides assistance with the Universal Credit process.
- Visit citizensadvice.org.uk
- Jobcentre Plus: Offers support and guidance through the application process.