Check if you can get Universal Credit

Mae'r cyngor hwn yn berthnasol i Cymru. Gweler cyngor ar gyfer Gweler cyngor ar gyfer Lloegr, Gweler cyngor ar gyfer Gogledd Iwerddon, Gweler cyngor ar gyfer Yr Alban

Universal Credit is a benefit you can claim if you’re on a low income or unemployed. 

It might be worth claiming Universal Credit if:

  • you’re struggling to pay the bills

  • you’ve lost your job and have no income

  • your income has dropped but you’re still working

  • you have a disability or illness that stops you working

  • you have childcare costs

  • you’re caring for someone

If you already get other benefits, you might have to move to Universal Credit instead. 

There’s no set level of income where you stop being eligible for Universal Credit - it depends on your situation.

Read our advice to check if you can get Universal Credit. If you’re still not sure, you can talk to an adviser.

Who can get Universal Credit

To get Universal Credit you must usually:

  • be 18 years old or over - or in some cases 16 or 17

  • be under State Pension age - check your State Pension age on GOV.UK

  • live in the UK - there are extra rules if you’re not a British citizen

If you’ve reached State Pension age and you've been told to claim Universal Credit

You're allowed to claim Universal Credit. This applies if you used to get Working Tax Credit and you got a migration notice telling you to claim Universal Credit.

You must usually have less than £16,000 in savings or other investments - called ‘capital’. Capital doesn’t include your pension pot or the home you live in.

If you live with a partner, their income and capital will be taken into account.

If you have more than £16,000 in capital, you might still be able to get Universal Credit for up to a year. This applies if you get tax credits and you’ve had a letter from the DWP telling you to move to Universal Credit by a certain date.

You can get Universal Credit if you’re living with other people but it might affect how much you get. For example, living with parents might mean you get less help with housing costs.

You can get Universal Credit if you’re self-employed - the application process is the same.

Whether you’ll be able to get Universal Credit depends on your situation.

If you’re already claiming benefits or tax credits

Universal Credit is gradually replacing:

  • Housing Benefit

  • income-related Employment and Support Allowance (ESA)

  • income-based Jobseeker's Allowance (JSA)

  • Child Tax Credit

  • Working Tax Credit

  • Income Support

You can usually stay on one of these benefits unless:

  • something about your situation has changed - not every change means you need to claim Universal Credit

  • you’ve had a letter from the DWP telling you to move to Universal Credit by a certain date - this is called a ‘migration notice’

If you’ve had a letter, you only have to move to Universal Credit if it’s an official migration notice. Find out more about moving to Universal Credit from other benefits.

If you've reached State Pension age and you get tax credits, you’ll either get a ‘migration notice’ or a 'tax credit closure notice'. This means your tax credits will end. If you get a tax credit closure notice you should apply for Pension Credit if you're not already getting it.

If you’re appealing a benefit decision

If you’ve had a migration notice, you should claim by the deadline on the notice.

If you haven’t had a migration notice, it might be worth waiting for a decision on your appeal or mandatory reconsideration before claiming Universal Credit. If you make a claim for Universal Credit, you might not be able to go back to your other benefit even if your appeal succeeds.

You can talk to an adviser if you’re not sure whether to claim Universal Credit or wait for your appeal.

If you're a student in education or training

If you’re in education or training you can’t usually get Universal Credit - but there are exceptions.

Check if you’re in education or training

You count as being in education or training if either:

  • you’re in full-time higher education - this includes anything above A level

  • you’re doing any full-time course where you get a loan or maintenance grant

  • you’re doing any full-time or part-time course that stops you from doing your work-related requirements - check your work related requirements

You also count as being in education or training up to 1 September after your 19th birthday, if you do at least 12 hours work a week for either:

  • school or college

  • certain types of training course

You won’t count as being in education if you’re doing the training course as part of your job. You also might not count if you’ve been referred to the training course by the DWP, or it lasts less than 6 months.

If you’re studying but you’re not in any of the situations above, you won’t count as being in education or training. This means you should be able to get Universal Credit.

Exceptions that let you get Universal Credit while you’re in education

You can still get Universal Credit if at least one of the following applies: 

  • you’ve reached State Pension age and you live with a partner who’s below State Pension age - check your State Pension age on GOV.UK

  • your parents have died or you can’t live with them, and you aren’t in higher education - you must be under 21 years old, or 21 if you reached this age during your course

  • you took time off because you were ill or had caring responsibilities, but you're now waiting to return to the course

  • you get Attendance Allowance, Disability Living Allowance, Personal Independence Payment, Adult Disability Payment or Child Disability Payment - and the DWP decided you have ‘limited capability for work’ before you started your course

  • you look after a child under 16, or under 20 if they’re also in full-time education or training

  • you’re a foster parent and have a child living with you

If you live with your partner

You can get Universal Credit while you’re in education if you live with your partner and one of the following applies to them:

  • they’re not in education or training

  • they’re in education or training, but they’re entitled to Universal Credit while they study

  • they’re in education or training, and one of you is responsible for a child or is a foster parent

If you’ve had a migration notice 

If you’ve had a migration notice telling you to move to Universal Credit from other benefits, you can get Universal Credit while you’re in education. You can usually get Universal Credit until your course ends.

If you’re not a UK citizen

You can only get Universal Credit if your immigration status lets you claim public funds. In some situations you also need a ‘right to reside’.

You can claim public funds if you have any of the following:

  • British or Irish citizenship

  • settled status from the EU Settlement Scheme

  • indefinite leave - unless you came to the UK on an adult dependent relative visa

  • refugee status or humanitarian protection

  • right of abode

If you have pre-settled status from the EU Settlement Scheme, you can claim public funds - but you also need to show you have a right to reside to get Universal Credit. Check if you have a right to reside.

If you’ve applied to the EU Settlement Scheme and you’re waiting for a decision,  you can claim public funds - but you also need to show you have a right to reside to get  Universal Credit. Check if you have a right to reside.

If you have any other immigration status, check if your immigration status lets you claim public funds.

Applying as a couple

If you and your partner are making a joint claim for Universal Credit then you both need to be eligible. You’ll both need to be habitually resident, and have either settled status or a right to reside.

If one of you isn’t eligible, the other person can still apply for Universal Credit. They should make a joint claim because the DWP need to know about both your incomes.

When the DWP process the claim, they’ll change it to a single claim. This means you or your partner will be paid as if you’re a single person.

If you or your partner has reached State Pension age

If you've both reached State Pension age, it's usually best for you to claim Pension Credit. You can check what your State Pension age is on GOV.UK.

You can talk to an adviser if you’re not sure which benefit to claim - they can help you work out when you’ll be better off.

If you’re paying rent

If you’ve both reached State Pension age and you’re paying rent, you might be able to get Housing Benefit. You should check if you can get Housing Benefit.

If only one of you has reached State Pension age

If only one of you has reached State Pension age, you usually can’t claim Pension Credit or Housing Benefit. You’ll often need to claim Universal Credit instead.

There’s an exception if both of the following apply:

  • one of you reached State Pension age before 15 May 2019

  • you’ve been claiming Housing Benefit or Pension Credit as part of the same couple since before 15 May 2019

In this situation, if either one of you is getting Pension Credit or Housing Benefit, you can keep getting it unless you get a migration notice. If you aren't already getting Pension Credit, you can make a new claim for Pension Credit. If you pay rent you should also check if you can claim Housing Benefit.

There’s another exception that means you won’t have to apply for Universal Credit instead. This applies if the person who hasn’t reached State Pension age is getting:

  • Income Support

  • Income-based Jobseeker’s Allowance (JSA)

  • income-related Employment and Support Allowance (ESA)

They can keep getting it unless they get a migration notice.

If your circumstances change your benefit might end. If you're sent a migration notice, the benefit you're getting will end and you'll need to claim Universal Credit instead.

If you’re 16 or 17 years old

You might be able to claim Universal Credit if you meet all the other conditions and also one of these:

  • you can’t work because you’re disabled or ill - you’ll need to give the DWP medical evidence showing this

  • you have a child - or are expecting a baby in the next 11 weeks

  • you care for a severely disabled person

  • your parents have died or you can't live with them - for example if your relationship has broken down or your health would be at risk

You won’t need to look for work as part of your Universal Credit claim if both of the following apply:

  • you're in full time education or training

  • you don’t have a parent, foster parent or local authority looking after you

If you've lived outside the UK

You’ll need to give evidence to show that the UK, Ireland, Channel Islands or the Isle of Man is your main home. This is known as being ‘habitually resident’. You have to do this even if you’re a British citizen.

Check how to prove you’re habitually resident.

Apply for Universal Credit

If you’re eligible for Universal Credit, you’ll usually have to apply online.

Find out how to get started with your Universal Credit application.  

Get help

If you’re not sure if you can get Universal Credit, you can talk to an adviser.

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Adolygwyd y dudalen ar 28 Mawrth 2019