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What is Universal Credit?

Universal Credit is a new, simpler single monthly payment for people in or out of work. It merges together some of the benefits and tax credits that you might be getting now. Universal Credit will replace:

Income-based Jobseeker’s Allowance
Income-related Employment and Support Allowance
Income Support
Child Tax Credit
Working Tax Credit
Housing Benefit

How will Universal Credit affect you?

Universal Credit will be a single, monthly payment into a bank account of your choice. It’s therefore important that you have a bank account.

If you claim Housing Benefit, this will now be paid directly to you in the single monthly payment. You will therefore be responsible for ensuring that this is paid to Taff.

If you and your partner are both eligible, you will get one single monthly payment for your household.

Universal Credit will generally be managed online. You make your claim online, then check your payments and updates through your
online account.

If you work, there are no limits to how many hours a week you can work if you’re claiming Universal Credit. Instead, the amount you’ll
get will gradually reduce as you earn more, so you won’t lose all your benefits at once.

How you can prepare for Universal Credit now


1 Get familiar with Universal Credit.
2 Make sure you have a bank account.
3 Make sure you can set up Direct Debits from your bank account.
4 If you will be claiming Universal Credit as a couple, think about setting up
a joint bank account or decide into whose account it will be paid.
5 Remember, if you receive help paying your rent, this will be included in
your monthly Universal Credit payment. You will therefore need to pay
your rent monthly to Taff and Direct Debit may be the best option for you.
6 Ensure you have access to the internet.
7 Brush up on your computer skills.
8 Do a monthly budget plan!