How to claim universal credit
Who can get universal credit
You can usually get universal credit if you:
are 18 or over
have a low income
have less than £16,000 in savings
You can be in or out of work.
Most full time students cannot get universal credit but there are exceptions.
Claiming universal credit as a couple
You must claim as a couple if you live together as a couple. You do not have to be married or civil partners to count as a couple.
Your joint income and savings are used to work out if you qualify and how much you get.
Universal credit is paid as a monthly payment into one bank account. If you have separate bank accounts you will have to agree whose account it goes into.
You can request a split payment if you're at risk of domestic or financial abuse, or if your partner will not or cannot manage a monthly payment. For example, because of addiction problems.
If you’re 16 or 17
Most 16 and 17 year olds cannot get universal credit.
You can sometimes claim if you:
are pregnant or responsible for a child
have caring responsibilities for a disabled person
cannot live your parents or they cannot support you
are not expected to seek work due to illness or disability
If you're pension age
You can only get universal credit if you live with a partner who is working age.
You will not have to work or look for work on universal credit but your partner may have to.
If you live alone or with a partner who is also pension age and you have a low retirement income, you can usually get:
housing benefit to help with rent
pension credit for your other living costs
Last updated: 10 April 2022