Your eligibility is not affected by how many children you have, but it may affect the amount you receive.
Regardless of whether your partner is eligible for Universal Credit or not, their income and savings will be taken into account when determining your eligibility for Universal Credit.
16 and 17 year olds
Full-time education or training
Pension Credit - the qualifying age
At the moment if you are of Pension Credit qualifying age, you will only be eligible to claim for Universal Credit if you are living with a partner who is eligible for Universal Credit and is under Pension Credit qualifying age. If this applies you will have to make a joint claim. Alternatively, you will be able to make a claim for Pension Credit as a couple instead. From 15 May 2019 most couples not already in receipt of Pension Credit will not be eligible for Pension Credit until both partners have reached the Pension Credit qualifying age.
How much you will get
Payments of Universal Credit are made up of a standard allowance, combined with any additional extras you are entitled to, such as; If you have children, if you have a disability or health condition which prevents you from working, or if you need help paying your rent.
The amount of Universal Credit you receive will be determined by your earnings. An assessment of your individual circumstances will be made every month and the amount you receive may change. The benefit cap may also limit the total amount of benefit you actually receive.
A breakdown of the current figures are detailed as follows:
Monthly standard allowance:-
Single and under 25:
Single and 25 or over:
In a couple and you’re both under 25:
£490.60 (for you both)
In a couple and either of you are 25 or over:
£596.58 (for you both)
If you are eligible for the additional entitlement, the following are amounts are in addition to the standard allowance:
If you are responsible for 1 or 2 children, you will receive an extra amount for each child.
If you are responsible for 3 or more children, you will receive an extra amount for at least 2 children. You can only get an extra amount for more children if any of the following apply:
your children were born before 6 April 2017
you were already claiming for 3 or more children before 6 April 2017
other exceptions apply
You’ll get an extra amount for any disabled or severely disabled child, regardless of how many children you have or when they were born.
How much you will get:
Extra monthly amount:
For your first child;
Extra monthly amount: £282.50 (born before 6 April 2017)
Extra monthly amount: £237.08 (born on or after 6 April 2017)
For your second child and any other eligible children
Extra monthly amount: £235.83 per child
If you have a disabled or severely disabled child;
Extra monthly amount: £128.89 or £402.41
If you need help with childcare costs;
up to 85% of your costs (up to £646.35 for one child and £1,108.04 for 2 or more children)
You might get the extra amount if you start caring for another child, depending on when they were born and how many children you have.
If you are disabled or you have a health condition:
How much you’ll get
Extra monthly amount: £343.63
If you have limited capability for work and you started your health-related Universal Credit or Employment and Support Allowance (ESA) claim before 3 April 2017
Extra monthly amount: £128.89
If you care for a severely disabled person
How much you’ll get:
Extra monthly amount: £163.73
You are providing care for at least 35 hours per week for a severely disabled person who receives a disability-related benefit
This amount will be on top of any extra amount you get if you have a disabled child.
How much help you receive for your housing costs will depend on your age and circumstances. A housing payment could cover rent and some service charges.
Homeowners might be eligible for a loan to help with interest payments on your mortgage or other loans specifically taken out for the home.
Universal Credit and earnings
If you are employed, there is no limit to how many hours you can work, but your payments will reduce gradually as you earn more, for every £1 you earn your payment will be reduced by 63p.
The work allowance
If you, or your partner are responsible for a child or young person, or you, or your partner are living with a disability or health condition that affects your ability to work, you are entitled to earn a certain amount before your Universal Credit is reduced. This is known as your work allowance and will be reduced if you receive help with your housing costs.
Monthly work allowance;
You get help with housing costs;
You do not get help with housing costs;
If your monthly earnings exceed £2,500 over the amount where your payment stopped, you will have ‘surplus earnings’.
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 be eligible for a Universal Credit payment.
If your earnings fall below the amount where your payment stopped, the surplus will decrease. Once your surplus has gone, you will have entitlement to a Universal Credit payment again. It will be necessary to reclaim Universal Credit every month until your earnings have reduced enough to be eligible for another payment.
Further information can be obtained from your work coach and your personal statement in your online journal will show your work allowance and when your surplus has reduced.
You and your partner separate
If you separate from your partner (and you have a joint claim) , any surplus earnings will be divided equally between you. You will both have to make an individual claim and your individual part of the surplus earnings will count towards your earnings.
If you’re a victim of domestic abuse any surplus earnings from your partner will not be taken on by you. You can contact your work coach in this situation.
If you’re self-employed a loss, as well as any surplus will be carried over to the following month. Any loss will be deducted from your next month’s earnings.
How Universal Credit is paid
Breaching your claimant agreement
Change in circumstances
Severe Disability Premium
If you are receiving a severe disability premium, or obtained the premium within the last month and still eligible, you are not entitled to claim Universal Credit. If you do have a change in your circumstances that affects the severe disability premium or your other benefits, you need to report the change and you will be advised about what you need to do next.
Checking your Universal Credit Payments
Once you are in receipt of your Universal Credit payment, we recommend that you make sure that you can navigate around your online portal. Please visit our webpage which provides a screenshot of an online portal Home Page.