Managing Universal Credit

Learn more about universal credit, navigating your account, understanding your payments and how to deal with issues that may arise.

What is Universal Credit?

Key facts

It is a means tested benefit that is paid to you on a monthly basis to provide support with living costs.

 

 

You may be able to get it if you are:

  • unable to work
  • looking for work
  • working but on a low income
 
 
 

There are additional elements you can receive: 

  • Housing Element
  • Limited Capability for Work Element
  • Carer’s Element
  • Child Element
  • Childcare Element

Additional elements - key ones to be aware of

Housing
  • It is to help with housing costs including rent and in some cases service charge. 
  • It is usually paid directly to you and you are responsible for paying it to your landlord. 
  • If you are in temporary accommodation provided by your local council you will not receive the housing element. Your housing costs will be paid through Housing Benefit. You will need to apply for this through your local council. 
Limited Capability for Work
  • You may be entitled to Limited Capability for Work and work-related activity element (LCWRA) if you are unable to work. 
  • You will need to satisfy a Work Capability Assessment (WCA) which includes a questionnaire and attending a medical assessment. 
  • You may have to wait up to 3 full assessment periods to receive the LCWRA element following your first reported sick note. 

What to find out more about all additional elements you can receive?

Click here for more information about addtional elements.

Your Universal Credit Claim

What you need to apply

Bank account details
Email address
Phone number
Income and savings
Proof of identity i.e. passport, driving licence, debit or credit card etc.
Housing details including how much you pay
National Insurance number

Making a claim for Universal Credit

How you can apply

You usually have to apply for universal credit online
You can apply via the Universal Credit Helpline
Get support to apply via a help centre or service such as Citizen's Advice or a local support provision

 

Watch this video to get a step by step guide to creating your online account

Do you need to make a joint claim?

Find out more information regarding joint claims here.

Do you need some guidance on how to create a secure password?

Click here to see our guidance on creating passwords.

Application to do list

Watch this video to get a step by step guide to completing your application to do list

Confirming your details

Watch this video to get a step by step guide to confirming your details

Remember!

It is your responsibility to declare any change of circumstances as soon as possible.

Confirming your identity

Watch this video to get a step by step guide on how to confirm your identity

Accepting your claimant commitment

Watch this video to get a step by step guide on accepting your claimant commitment

Remember!

If you do not accept your claimant commitment your claim may be closed or your payments may be stopped. Also note, claimant commitments are reviewed on regular basis.

Your Universal Credit Account

Logging on to your account

This is what your homepage will look like once you’ve logged in. 

Viewing your journal

Watch this video to get a step by step guide on how to view your journal

Remember!

You can use your journal to report a change, message your work coach, record job searches/applications and communicate any needs.

Are your details up to date?

Ensure you have the right phone number on your account to ensure you receive all notifications and the right account details to ensure you receive your payments.

Navigating your universal credit homepage

Watch this video to get a step by step guide on understanding your homepage

Reporting a change a circumstance

It is important that you report any change of circumstances as soon as possible to ensure you receive the right payments.

Understanding your payments

It takes around 5 weeks to receive your first payment.

The calculation is based on your circumstances which is assessed on a monthly basis which is called your "assessment period".

You will usually receive the following payments 7 days after the end of each assessment period.

You will get paid on the same date each month.

You may be able to arrange Alternative Payment Arrangements (APA) such as you rent being paid to your landlord depending on your circumstances.

Payment issues

Types of payment issues

There are several reasons you may have payment issues; it is important you address them as soon as possible. 

Overpayments

This may be due to:

  • an issue from the benefits office
  • providing incorrect information
  • not reporting a change of circumstance

    If you are overpaid, your future payments may be reduced by 15-25% per month until it is paid off.

    You can ask DWP about 'exercising their discretion not to recover an overpayment'. Note they do not have to agree to this.

    Click here for more information about overpayments.

  • Your payments may be temporarily reduced or paused if you do not complete your agreed work-related activities without good reason.

    Sanctions can last between 7 to 182 days depending on the level of the sanction and how many you have had in a 12 month period.

    You can challenge the decision through a mandatory reconsideration and if that does not work you can appeal.

    Click here for more information about sanction levels, reasons and challenging them.

    Not reporting a change of circumstance

    You must report a change of circumstance as soon as you can. Not reporting it in time could lead to you missing out on payments or being overpaid.

    Click here for more information on reporting a change of circumstance.


    Challenging a Universal Credit decision - Mandatory reconsideration

    You can ask for a mandatory reconsideration if any of the following apply:

    • you think the office dealing with your claim has made an error or missed important evidence
    • you disagree with the reasons for the decision
    • you want to have the decision looked at again

     

    Find out more information about mandatory reconsiderations here: 

    Citizen’s Advice – Challenging a Universal Credit decision – mandatory reconsideration

    GOV.UK – Challenge a benefit decision

    How you can apply

    You can apply via your journal, letter, filling in a CRMR1 form or by phoning universal credit.

    you need to provide a good reason/s and evidence. Some examples of a ‘good reason’ include:

    • Having the wrong work-related requirements applied to you
    • Being in hospital, or attending a medical, dental or other important appointments which would have been unreasonable to rearrange
    • Temporary circumstances such as attending a funeral or court
    • Childcare issues
    • Having experienced domestic abuse

    You have 1 month to submit the request. If you miss the 1-month deadline, you can still ask for a mandatory reconsideration. You should do this within 13 months of the original decision.

    You’ll need to give a good reason for why you couldn’t ask within the 1 month deadline – for example because you were seriously ill or you split up with your partner.

    You need to explain to the DWP:

    • why you missed the deadline
    • why the decision is wrong
    • why it’s important they change the decision


    Appealing against a Universal Credit decision at tribunal 

    If the decision remains the same following a mandatory reconsideration, you can appeal to an independent tribunal. 

    Click here to find out more information.