Your Money & Work

This guide helps clients understand how starting work—whether part-time, full-time, or temporary—can affect their benefits. It focuses on building confidence, reducing fear, and encouraging informed choices.

Key Points to Know

  • You can work and still get benefits—especially if the job is part-time or low-paid.
  • Universal Credit is designed to adjust based on your income. As you earn more, your payments reduce gradually—not all at once.
  • Other benefits like Housing Benefit, ESA, or PIP may be affected differently depending on your circumstances.
  • Reporting changes is important to avoid overpayments or issues later on.

What Happens When You Start Work?

  • You must report your new job to the DWP or your local council.
  • Your Universal Credit will be recalculated based on your earnings.
  • You may be eligible for work allowances (extra earnings before your benefits are reduced) if you have children or a health condition.
  • You might still get help with rent through the housing element of Universal Credit.
  • If you stop working, you can reapply or update your claim without starting from scratch.

Reflection Questions

  • What worries you most about working and benefits?
  • Have you ever had a bad experience with benefits being stopped?
  • What kind of work would you like to try, if it felt safe to do so?
  • Would it help to speak to someone who understands the system?