Where does this apply?
England, Wales, Scotland and Northern Ireland.
What is it?
Universal Credit is a payment to help with your living costs if you are:
- On a low income (whether you are in part-time or full-time work, or self-employed)
- Out of work
- Not able to work because of a health condition
Universal Credit Carer Element
If you care for someone with a disability or long-term condition, you may qualify to receive the Universal Credit Carer Element. This is an additional payment alongside your normal Universal Credit. Unlike Carer's Allowance, there is no fixed earnings limit. You can find more information on the Citizens Advice website.
Who can apply?
To apply for Universal Credit, you must:
- Live in the UK
- Be aged 18 or over (there are some exceptions if you’re 16 to 17, such as if you have a health condition or disability)
- Be under State Pension age
- Have £16,000 or less in money, savings and investments
Universal Credit is means-tested. This means it also considers the wages, income and savings of your partner, whether or not you are married. The basic amount includes money for yourself and your partner. It also includes money for any dependent children, although child benefit is paid separately.
If you are not eligible for Universal Credit, you may still be able to claim the New Style ESA, depending on your national insurance record.
People on benefits such as tax credits, housing benefit and income-related ESA are being ‘migrated’ to Universal Credit. This is being done by invitation from the Department for Work and Pensions (DWP). This process may not be completed until 2028.
How to apply
You can apply for Universal Credit online, or by phoning the free Universal Credit helpline (0800 328 5644). You’ll be asked to provide information about your condition and how it affects your ability to work. You will also need to provide information about your income, savings, housing and any childcare costs. You can find a full list of what you'll need on the GOV.UK website.
If your Crohn’s or Colitis effects how much work you can do, you may get an extra amount of Universal Credit. You will need to provide a fit note and complete a Capability for Work questionnaire. You may need to have an assessment. This will help the Department for Work and Pensions (DWP) understand how much your health condition affects your ability to work. Assessments can be held in person, at an assessment centre, or they could take place by phone or video call. You will be placed under one of these categories:
- Capable for work
- Limited capability for work (LCW). This means you are preparing for work in the future
- Limited capability for work and work-related activity (LCWRA). This means you are not expecting to work
You’ll receive a different amount of Universal Credit depending on which category you fall into. You can find more information on the GOV.UK website.
If your application is successful, you will need to attend an appointment and commit to an agreement. This is called a claimant commitment. It would normally include agreeing to look for work or trying to increase your income, unless you are felt to have limited capability for work. Once a claimant commitment has been agreed, you should be able to receive Universal Credit payments.
If you are unhappy with the outcome of your application, you can challenge the decision.
More information
In England, Wales and Scotland: https://www.gov.uk/universal-credit
In Northern Ireland: https://www.nidirect.gov.uk/campaigns/universal-credit