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16-106
If you’re employed, how much Universal Credit you get will depend on your earnings. Your Universal Credit payment will reduce gradually as you earn more - for every £1 you earn your payment reduces by 63p.
16
Universal Credit
106
7,713
7,918
16-107
There’s no limit to how many hours you can work.
16
Universal Credit
107
7,919
7,967
16-108
Use a benefits calculator to see how increasing your hours or starting a new job could affect what you get.
16
Universal Credit
108
7,968
8,075
16-109
The work allowance
16
Universal Credit
109
8,076
8,094
16-110
You can earn a certain amount before your Universal Credit is reduced if you or your partner are either:
16
Universal Credit
110
8,095
8,199
16-111
responsible for a child or young person
16
Universal Credit
111
8,200
8,239
16-112
living with a disability or health condition that affects your ability to work
16
Universal Credit
112
8,240
8,318
16-113
This is called a ‘work allowance’. Your work allowance is lower if you get help with housing costs.
16
Universal Credit
113
8,319
8,418
16-114
Your circumstances | Monthly work allowance
16
Universal Credit
114
8,419
8,462
16-115
You get help with housing costs | £293
16
Universal Credit
115
8,463
8,501
16-116
You do not get help with housing costs | £515
16
Universal Credit
116
8,502
8,547
16-117
If your employer has put you on temporary leave (‘furlough’)
16
Universal Credit
117
8,548
8,608
16-118
If you’re on furlough because your employer has no work for you, you can get up to 80% of your wages paid through the Coronavirus Job Retention Scheme, up to a monthly limit of £2,500. Your employer takes care of this.
16
Universal Credit
118
8,609
8,827
16-119
You can check if your employer can use the scheme.
16
Universal Credit
119
8,828
8,878
16-120
If your payment stops because your earnings increased
16
Universal Credit
120
8,879
8,932
16-121
As your income increases, your payment will reduce until you’re earning enough to no longer claim Universal Credit. Your payment will then be stopped. You’ll be told when this happens.
16
Universal Credit
121
8,933
9,117
16-122
If your earnings decrease after this, you can claim Universal Credit again.
16
Universal Credit
122
9,118
9,193
16-123
If you received your last payment 6 months ago or less, you can restart your old claim by signing in to your Universal Credit account. You’ll need to report any changes in your circumstances. If you’re eligible for Universal Credit, your payments will restart with the same monthly assessment period you had previously.
16
Universal Credit
123
9,194
9,513
16-124
If you received your last payment more than 6 months ago, you’ll need to make a new claim for Universal Credit. You can make a new claim by signing in to your Universal Credit account. You will not be paid on the same date as your previous claim. It usually takes around 5 weeks to get your first payment.
16
Universal Credit
124
9,514
9,819
16-125
Surplus earnings
16
Universal Credit
125
9,820
9,836
16-126
If your monthly earnings are more than £2,500 over the amount where your payment stopped, this becomes ‘surplus earnings’.
16
Universal Credit
126
9,837
9,959
16-127
Your surplus earnings will be carried forward to the following month, where they count towards your earnings. If your earnings (including your surplus earnings) are then still over the amount where your payment stops, you will not get a Universal Credit payment.
16
Universal Credit
127
9,960
10,222
16-128
If your earnings fall below the amount where your payment stopped, your surplus will decrease. Once your surplus has gone, you’ll be able to get a Universal Credit payment again.
16
Universal Credit
128
10,223
10,401
16-129
You’ll need to reclaim Universal Credit every month until your earnings have reduced enough to get another payment.
16
Universal Credit
129
10,402
10,517
16-130
You can talk to your work coach for more information about surplus earnings.
16
Universal Credit
130
10,518
10,594
16-131
The statement in your online journal will show your work allowance and when the surplus reduces.
16
Universal Credit
131
10,595
10,691
16-132
If you separate from your partner
16
Universal Credit
132
10,692
10,725
16-133
If you’re part of a couple that claims Universal Credit together, any surplus earnings will be divided equally between you if you separate.
16
Universal Credit
133
10,726
10,865
16-134
You’ll then need to re-apply individually, with your part of the surplus earnings counting towards your earnings.
16
Universal Credit
134
10,866
10,979
16-135
If you’re a victim of domestic abuse you do not take on any surplus earnings from your partner. Talk to your work coach to make sure your partner’s surplus earnings are not divided between you.
16
Universal Credit
135
10,980
11,173
16-136
If you’re self-employed
16
Universal Credit
136
11,174
11,197
16-137
You can carry over a loss (as well as a surplus) to the following month. A loss will be deducted from your next month’s earnings.
16
Universal Credit
137
11,198
11,327
16-138
How you're paid
16
Universal Credit
138
11,328
11,343
16-139
Universal Credit is paid once a month, usually into your bank, building society or credit union account.
16
Universal Credit
139
11,344
11,448
16-140
Your payment can include an amount for housing, which you’ll usually need to pay to your landlord.
16
Universal Credit
140
11,449
11,547
16-141
If you’re not able to open a bank, building society or credit union account, call the Universal Credit helpline to arrange a different way of getting paid.
16
Universal Credit
141
11,548
11,703
16-142
Find out how you’ll be paid if you’re in Northern Ireland.
16
Universal Credit
142
11,704
11,762
16-143
Your first payment
16
Universal Credit
143
11,763
11,781
16-144
It usually takes around 5 weeks to get your first payment.
16
Universal Credit
144
11,782
11,840
16-145
If you need help with your living costs while you wait for your first payment, you can apply for an advance.
16
Universal Credit
145
11,841
11,949
16-146
The wait before your first payment is made up of a one month assessment period and up to 7 days for the payment to reach your account.
16
Universal Credit
146
11,950
12,084
16-147
Payment dates
16
Universal Credit
147
12,085
12,098
16-148
After the first payment, you’ll be paid on the same date of every month.
16
Universal Credit
148
12,099
12,171
16-149
If your payment date is on a weekend, you’ll be paid on the working day before.
16
Universal Credit
149
12,172
12,251
16-150
You’ll get a monthly statement that tells you how much Universal Credit you’re going to get.
16
Universal Credit
150
12,252
12,344
16-151
Call the helpline straight away if your payment does not arrive on time.
16
Universal Credit
151
12,345
12,417
16-152
If you live in Scotland
16
Universal Credit
152
12,418
12,441
16-153
You can get paid once or twice a month.
16
Universal Credit
153
12,442
12,481
16-154
If you’re making a new claim, you’ll get a notification about how often you want to be paid. You get this after your first payment.
16
Universal Credit
154
12,482
12,613
16-155
If you’re already getting Universal Credit and have not had a notification, you can ask your work coach to be paid twice a month.
16
Universal Credit
155
12,614
12,743
16-156
When you’re paid twice a month your first payment will be for a full month. You’ll get the first half of your second month’s payment a month after this. The second half will be paid 15 days later. This means there will be about a month and a half between your first payment and the full amount for your second month.
16
Universal Credit
156
12,744
13,060
16-157
After this, you’ll be paid twice a month.
16
Universal Credit
157
13,061
13,102
16-158
If you live with a partner
16
Universal Credit
158
13,103
13,129
16-159
If you both claim Universal Credit, you’ll get one payment each month for your household.
16
Universal Credit
159
13,130
13,219
16-160
If you live in Scotland and you’ve chosen to be paid twice monthly, you’ll receive 2 payments each month for your household.
16
Universal Credit
160
13,220
13,344
16-161
Phone the Universal Credit helpline if you’re worried about getting access to this money.
16
Universal Credit
161
13,345
13,434
16-162
How often you’re paid can affect your Universal Credit
16
Universal Credit
162
13,435
13,489
16-163
If you’re paid once a month on the same date and nothing changes in your earnings, then your Universal Credit amount should stay the same.
16
Universal Credit
163
13,490
13,628
16-164
Your Universal Credit can be affected if you receive no wages or more than one set of wages during some assessment periods. This could happen if:
16
Universal Credit
164
13,629
13,774
16-165
you’re paid weekly, every 2 weeks or every 4 weeks
16
Universal Credit
165
13,775
13,825
16-166
your monthly payment date changes, for example you get paid on the last working day of each month
16
Universal Credit
166
13,826
13,923
16-167
If your monthly payment date changes
16
Universal Credit
167
13,924
13,960
16-168
You’ll need to sign into your online account to check how much your next monthly payment will be. If it looks like you’ll get paid too much or too little Universal Credit, ask your work coach to move your wages into another assessment period.
16
Universal Credit
168
13,961
14,203
16-169
If you’re paid weekly, every 2 weeks or every 4 weeks
16
Universal Credit
169
14,204
14,257
16-170
You’ll be told if your earnings are too high and whether you’ll need to reapply to continue to get Universal Credit.
16
Universal Credit
170
14,258
14,374
16-171
How often you’re paid by your employer | The impact
16
Universal Credit
171
14,375
14,426
16-172
Every 4 weeks | Once a year, you’ll get 2 sets of wages in one assessment period
16
Universal Credit
172
14,427
14,507
16-173
Every 2 weeks | Twice a year, you’ll get 3 sets of wages in one assessment period
16
Universal Credit
173
14,508
14,589
16-174
Every week | Four times a year, you’ll get 5 sets of wages in one assessment period
16
Universal Credit
174
14,590
14,673
16-175
How to claim
16
Universal Credit
175
14,674
14,686
16-176
Apply for Universal Credit online.
16
Universal Credit
176
14,687
14,721
16-177
You have to apply as a couple if you and your partner live together. You do not need to be married.
16
Universal Credit
177
14,722
14,821
16-178
The Universal Credit team might phone you after you’ve sent your application if they need more information or if you cannot verify your identity online.
16
Universal Credit
178
14,822
14,974
16-179
You cannot claim Universal Credit and tax credits at the same time. If you get tax credits, they will stop when you or your partner applies for Universal Credit. Check how tax credits and Universal Credit affect each other.
16
Universal Credit
179
14,975
15,198
16-180
What you need to apply
16
Universal Credit
180
15,199
15,221
16-181
You’ll need:
16
Universal Credit
181
15,222
15,234
16-182
your bank, building society or credit union account details (call the Universal Credit helpline if you do not have one)
16
Universal Credit
182
15,235
15,354
16-183
an email address
16
Universal Credit
183
15,355
15,371
16-184
information about your housing, for example how much rent you pay
16
Universal Credit
184
15,372
15,437
16-185
details of your income, for example payslips
16
Universal Credit
185
15,438
15,482
16-186
details of savings and any investments, like shares or a property that you rent out
16
Universal Credit
186
15,483
15,566
16-187
details of how much you pay for childcare if you’re applying for help with childcare costs
16
Universal Credit
187
15,567
15,657
16-188
If you do not provide the right information when you apply it might affect when you get paid or how much you get.
16
Universal Credit
188
15,658
15,771
16-189
You also have to verify your identity online. You’ll need some proof of identity for this, for example your:
16
Universal Credit
189
15,772
15,880
16-190
driving licence
16
Universal Credit
190
15,881
15,896
16-191
passport
16
Universal Credit
191
15,897
15,905
16-192
debit or credit card
16
Universal Credit
192
15,906
15,926
16-193
Apply for Universal Credit online
16
Universal Credit
193
15,927
15,960
16-194
Apply now
16
Universal Credit
194
15,961
15,970
16-195
If you cannot verify your identity online
16
Universal Credit
195
15,971
16,012
16-196
The Universal Credit team will phone you to help you verify your identity.
16
Universal Credit
196
16,013
16,087
16-197
Help with your application
16
Universal Credit
197
16,088
16,114
16-198
If you need help with your application, ask straight away - the sooner you apply for Universal Credit, the sooner you get your first payment.
16
Universal Credit
198
16,115
16,256
16-199
There are 2 ways to get help with your Universal Credit application.
16
Universal Credit
199
16,257
16,325
16-200
Universal Credit helpline
16
Universal Credit
200
16,326
16,351
16-201
Contact the Universal Credit helpline if:
16
Universal Credit
201
16,352
16,393
16-202
you cannot use digital services at all - this might be because of disability or your circumstances
16
Universal Credit
202
16,394
16,492
16-203
you have a question about your claim and cannot access your online claim
16
Universal Credit
203
16,493
16,565
16-204
British Sign Language (BSL) video relay service
16
Universal Credit
204
16,566
16,613
16-205
You can use the BSL video relay service to make a claim.
16
Universal Credit
205
16,614
16,670