Universal Credit: Expert on ‘difficulty’ of monthly payment
Universal Credit is designed to provide payments to support people with day-to-day living costs. The payment is issued by the Department for Work and Pensions (DWP), to people who are out of work, or who are on a low income. Due to the COVID-19 pandemic, in recent months, millions have turned to Universal Credit to provide important support.
And as the Prime Minister Boris Johnson yesterday evening announced England would be placed into a third lockdown, there are widespread implications for many individuals.
As a result of the lockdown, jobs and employment could be affected, and these individuals will be looking to understand how to claim Universal Credit, as well as eligibility.
Thankfully, the government has provided further clarity to assist the situation and help people gain the support they need.
To be eligible to receive Universal Credit, aside from being out of work or on a low income, there are a number of other criteria to meet.
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A person must usually be over the age of 18, but there are some exceptions for 16 and 17 year olds that can be investigated further.
Individuals must also be under state pension age and resident in the UK to be able to receive a payment.
Finally, a person and any partner they may have must also have less than £16,000 in savings to be entitled to Universal Credit.
To apply to receive Universal Credit, people will need to go online, to the government’s dedicated portal for the matter.
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If a person and their partner live together, even if they are not married, they will be required to apply for Universal Credit as a couple.
People will, however, need certain information to hand to support their application, which includes:
- bank, building society or credit union account details
- an email address
- details of income, savings and any investments a person may have
- information about housing, for example how much rent is paid
- details of how much a person pays for childcare if applying for help with this
Britons may also be required to verify their identity online, and will need proof of this.
This can include documentation such as a driving licence, passport, debit or credit card.
People can expect to receive a follow-up phone call from the Universal Credit team should more information be needed to process a claim.
For those who have claimed in the last six months, signing into the account online can help in making a new claim.
Those who stopped claiming more than six months ago, however, will need to reapply for Universal Credit once again.
The amount people receive from Universal Credit varies according to their circumstances, with additional amounts added in particular instances.
Single people under 25 can expect to receive £342.72 per month, and older single people, £409.89 monthly.
A monthly allowance for couples where both are under 25 currently stands at £488.59 to share between them.
Where either person in a couple is over 25, the monthly standard allowance will be at £594.04.
Additional amounts are available to people who have children, those with a disability or health condition, and individuals who need support with housing costs.
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