Big changes are happening for many people who receive benefits, and it’s important to understand how this could affect you. If you’re receiving certain benefits or tax credits, you’ll soon be moving to Universal Credit (UC), and that might feel a bit overwhelming. But don’t worry—everything will be explained to you in time, and there’s plenty of support available to help you through the process.
What Is Universal Credit?
Universal Credit is a single monthly payment that combines a number of benefits into one. It helps with your living costs and is designed to support people who are:
• On a low income and working
• Looking for work
• Unable to work due to illness or other reasons
What Benefits Are Being Replaced by Universal Credit?
If you currently receive any of the following benefits, you’ll be asked to switch to Universal Credit:
• Child Tax Credit
• Working Tax Credit
• Housing Benefit
• Income Support
• Income-based Jobseeker’s Allowance (JSA)
• Income-related Employment and Support Allowance (ESA)
When Will I Find Out?
The Department for Work and Pensions (DWP) will contact you directly to explain when you need to switch. You’ll get a letter called a “Migration Notice” in the post, which will tell you when to make your claim for Universal Credit. Keep an eye on your post this year, and don’t worry—you won’t need to do anything until your letter arrives.
You can check when you might receive your letter here.
What Do I Need to Do?
It’s important that you wait for your Migration Notice before taking any action. You won’t be moved to Universal Credit automatically, but the letter will give you all the information you need to make the switch.
Once you receive your letter, you’ll have three months to make a claim for Universal Credit. The letter will explain how to apply, and you must submit your claim within the deadline to continue receiving financial support. Once you claim UC, your existing benefits will stop, and you won’t be able to go back to them.
Need Help with the Switch?
You’re not alone. If you need help applying for Universal Credit or managing until your first payment comes through, there’s support available. Organisations like Citizens Advice and MoneyHelper are there to guide you through the process.
If you need more time to submit your claim, you can request an extension. Just make sure to contact the Universal Credit helpline if this is the case. You can find more details here.
What Happens if I Miss the Deadline?
It’s crucial to submit your Universal Credit claim by the date in your letter. The DWP will send reminders, but if you miss the deadline, your current benefits will stop. However, if you need extra time, help is available—just get in touch with the Universal Credit helpline as soon as possible.
Conclusion
Switching to Universal Credit doesn’t have to be stressful. Take your time, wait for your Migration Notice, and make use of the support available. If you’re ever unsure, there are resources to help guide you through every step of the way.
