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    Universal Credit
    Universal Credit is a means tested benefit for working age people on low incomes - both working and out of work. It replaces six existing benefits and the new system is based on a single monthly payment, transferred directly into a bank account.

    The government introduced Universal Credit in October 2013 as part of its welfare reform programme. It is a ‘means tested’ single payment that will be made by the Department of Work and Pensions (DWP) to replace a range of work benefits such as:

    • Housing Benefit.
    • Working Tax Credit.
    • Child Tax Credit.
    • Income Support.
    • Income-based Jobseeker's Allowance.
    • Income-based Employment Allowance.

    You have to be over the age of 18 to make a claim for Universal Credit. Young people under the age of 18, students and people from abroad may not be able to claim but there are some exceptions.
    You won't be able to claim Universal Credit if both you and your partner are over pension credit age, you can claim pension credit instead - either individually or as a couple.

    How we can help

    If you are unemployed, looking for work or training, you can register with our Employment & Training service on 020 7428 4116 or email Our team also offers a money advice service and can help you make the most of your income by taking you through a financial health check.

    DWP: What is Universal Credit?

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