Home Credit Finance:Universal Credit Benefit

Finance:Universal Credit Benefit

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Finance
Finance

Universal Credit Benefit

If you are looking to claim Universal Credit (UC) or Income Support benefit, then we assist you through the process so you and your family can receive the benefits you need to live.

Batch of Dollars
Batch of Dollars

The main objective of Universal Credit is to simplify the current welfare system for low income families by replacing a few of the main state benefits with one simple payment. It will ultimately help you be better off in work, acquire a new job or get more hours at work.

Here are the payments that will be ended and replaced by Universal Credit:

  • Income Support
  • Housing Benefit
  • Working Tax Credit
  • Income Related Jobseeker’s Allowance
  • Employment Support Allowance
  • Child Tax Credit

Currently, your eligibility to receive Universal Credit will depend on your address and personal circumstances. We plan to help as many individuals and families claim this benefit in 2014 through 2017.  The United Kingdom and Great Britain has thousands of people that qualify but do not know how to claim the right benefit or calculate how much they are eligible to receive.

How Benefits Are Paid

Pocket Money
Pocket Money

Compared to benefits you may be receiving already or some other benefits, Universal Credit is paid much differently.  You will receive your benefit amount once a month that will be deposited directly to your bank or building society account.

If you qualify for rent assistance then that will be included with your UC payment. You must then contact your landlord yourself to make the appropriate monthly payment.

Eligibility for Benefits

Eligibility for Benefits
Eligibility for Benefits

Please visit www.gov.uk for the updated list of postcodes that are eligible for Universal Credit.  You easily eligible for benefits if you have recently become unemployed from your job.  Additional questions will be asked when you are filing your claim.

Individuals that are NOT eligible for UC can claim the following:

  • Jobseeker’s Allowance
  • Employment and Support Allowance

The Claim Process

You will need to register through our claim services for claiming Universal Credit online or getting access to the eligible benefits quickly.  Once you we have verified your identity then you will be told where to go for your interview.  We will make sure you have everything you need to help with your claim during the face-to-face interview process.

Our free services help prepare you and let you know if there are any important changes that need to be made on your part.  If you need assistance with budgeting then we can direct you to our money planning department after you have registered.  Registration takes only 5 minutes and you can begin by clicking this link or the link at the top of the page.

If you looking for a new job, then we will be able to help you there as well. We need you to not leave anything out while you are going through the registration and claim process.

Claimant’s must commit themselves to getting help and you will have to sign a Commitment form once you receive benefits.  This agreement will outline a plan of action in order for you to receive Universal Credit.  Your designated work coach will help you through this commitment form when you reach that point in your claim.  You will learn things like how many hours you will need to spend looking for a job each week and what you need to do to get work. Ex. – writing a proper CV and registering with recruitment agencies.

Warning: You Will Lose Your Benefit If Your Commitment Is Not Satisfied

Be sure to plan and record your job seeking while you are receiving benefits.

After Your Claim Is Made

Money
Money

Here are two important numbers to keep on you if your circumstances change after you have claimed UC.

Universal Credit Helpline

Telephone: 0845 600 0723        Textphone: 0845 600 0743

 Universal Credit Benefit

If you are struggling and need assistance with day-to-day living then you are able to receive benefit for your living costs, your rent and your Council Tax or Rates.  You may also be entitled to other help including prescriptions and work programmes.

If you are in need of immediate help, please click here.

We are a resource program designed to help low income families get the benefits they need for daily living.  There are millions of people out there that are qualified for benefits and we can help.  Income Support is directly aimed to help with living costs for those individuals on a low income or not working. A specific set of criteria must be met in order to receive this benefit and we will explain what you will need to prepare your claim.  If you have a mortgage or other types of housing payments, then Income Support may also be available.  However, there is a strict rule on state pension age that does not allow for credits to be disbursed.  Older individuals must file for Pension Credit.

Additional benefits can be found in the Social Fund if you are having trouble with health, legal costs, and education.

How Does This Benefit Support Living Costs?

Living Costs
Living Costs

Income support is a special benefit that is distributed to specific individuals who do not have enough money to live on.  Before you file, the government will take in to account the amount of money that you currently have in your account when deciding how much benefits you will receive.  Just because you have a low income does not guarantee that you will receive Income Support. You must be earning a certain amount of weekly income that qualifies for the low income level cut off point.

This type of government payment is a non-contributory benefit which means that it does not depend on contributions from the national insurance group.  You may receive benefits even if you have never paid the national insurance, but you must have an insurance number to apply for your benefits.  We can help you through the process, but first you will need to register through our site and then a claim supervisor will call you to go over your circumstances.