How to apply for Universal Credit ?

Step 1: Check Eligibility

Before applying, make sure you're eligible. You usually qualify if:

• You're on a low income or out of work

• You're 18 or over (some exceptions for 16–17)

• You and your partner have less than £16,000 in savings

• You live in the UK

• You're not already getting certain other benefits

Use this gov.uk tool to check:
🔗 https://www.gov.uk/universal-credit/eligibility

Step 2: Gather the Information You Need

Before starting the application, have the following ready:

• National Insurance number

• Email address

• Phone number

• Your bank, building society, or credit union account details

• Details about your housing (rent, landlord, etc.)

• Income details (pay slips, benefits, pension)

• Savings, investments, and debts

• Childcare costs (if applicable)

• ID (passport, driving licence, etc.)

Step 3: Create a Universal Credit Account

Go to the official Universal Credit application page:
🔗 https://www.gov.uk/apply-universal-credit

• Click "Apply now"

• Create an account with a username and password

• You'll need to verify your identity (you can use GOV.UK Verify, passport, or driving licence)

Step 4: Fill Out the Online Application

• Log in to your account

• Complete all sections honestly and accurately

• Declare your income, savings, housing, childcare, etc.

• Submit your application

You usually have 28 days to complete the full application once you start.

Step 5: Book an Interview (Universal Credit Phone/Work Coach Call)

• After submitting, you’ll be told to book and attend an interview with a Work Coach

• This can be over the phone or in person at the Jobcentre

• You’ll discuss your circumstances and agree to a Claimant Commitment

Step 6: Wait for Your First Payment

• You’ll usually receive your first payment about 5 weeks after applying

• You can request an advance payment if you need money sooner (you’ll pay it back over time)

Step 7: Keep Your Journal Updated

• Use your Universal Credit account to:

  • Report changes (e.g., income, rent)

  • Communicate with your Work Coach

  • Submit job applications and commitments