Whether you’re employed or unemployed, there could be financial help and benefits you’re entitled to. Don’t miss out! We can help you get to grips with your benefits.
Universal credit (UC)
Universal Credit is a payment to help with your living cost and it will replace some of the old-style benefits including: Housing Benefit, Jobseeker’s Allowance, Employment and Support Allowance, Income Support, Child Tax Credit and Working Tax Credit. Find out more about Universal credit on GOV.UK.
Claiming Universal Credit is usually done online, but if you need support, you can call the Universal Credit helpline on 0800 328 5644.
Moving to UC
If you’re still in receipt of an old-style benefits then you can expect to be moved to UC at some point.
When you’re moved on to UC, this is known as a managed migration. Here’s a useful video about managed migrations [YouTube].
If you turn 66
Universal Credit is only for people aged 18-65. Once you’re 66 you’ll no longer be entitled to claim it and you’ll need to apply for Housing Benefit through your local council.
This can be done up to 13 weeks before your 66th birthday. Please note you may also be entitled to pension credit as a top-up depending on what your pension amount is.
About other benefits
You can find out more about all benefits on GOV.UK.
If you have a spare bedroom, your Housing Benefit, or the housing costs element of Universal Credit might be reduced. This is sometimes called the ‘Bedroom Tax’, ‘under-occupation penalty’ or the ‘removal of the spare room subsidy’.
The number of bedrooms allowed for children depends on how old they are and their sex.
The bedroom entitlement rules assume that:
- two children aged 0-9 can share a bedroom whatever their sex
- two children aged 0-15 can share a bedroom if they are the same sex
- children aged 16-19 are counted as needing their own bedroom.
The benefit cap is a limit on the total amount of benefit you can get. It applies to most people aged 16 or over who have not reached State Pension age.
Disability and health problems
If you have a disability or ongoing health problem that limits your ability to work, you could be entitled to additional benefits.
Personal Independence Payment (PIP)
PIP can be claimed at the same time as Employment and Support Allowance (ESA) or the Limited Capability for Work element (LCFW) of UC.
Here’s a useful video about PIP [YouTube].
You could get £76.75 a week if you care for someone at least 35 hours a week and they get certain benefits.
You do not have to be related to, or live with the person you care for. You do not get paid extra if you care for more than one person.
If someone else also cares for the same person as you, only one of you can claim Carer’s Allowance.