Thousands could still be missing out on benefits following Universal Credit change – check if you're one of them | The Sun

BRITS could still be missing out on hundreds of pounds worth of benefits following a Universal Credit rule change.

The rule change came in last October's Budget, brought in by the then Chancellor, now Prime Minister, Rishi Sunak.

And the rule change, which came into effect December 1 2021, means many more families can claim thousands of pounds worth of extra financial help.

Last Autumn, Sunak announced that more people would be eligible for Universal Credit following the government's decision to cut the taper rate and raise the work allowance, research by Resolution Foundation showed.

At the time of change, research revealed that 380,000 families could now claim for Universal Credit.

During his speech last year, Rishi Sunak said: "To make sure work pays, and help some of the lowest income families in the country keep more of their hard-earned money… …I have decided to cut this Rate, not by 1%, not by 2% – but by 8 per cent.


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"This is a tax cut next year worth over £2bn. Nearly 2 million families will keep, on average, an extra £1,000 a year."

Before last year, the Universal Credit taper punished workers by a whopping EIGHT per cent.

The taper rate affects those claiming the benefit who are also working but are on low incomes by reducing payments in relation to earnings.

We've asked the Department for Work and Pensions (DWP) for figures on how many people could be eligible but haven't claimed and on how much money they could save, but figures have been hard to come by.

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Households should therefore check to see if they're missing out, especially amid the cost of living crisis where people are trying to save as much money as possible.

Who is eligible for Universal Credit?

In order to qualify for Universal Credit, you must be on a low income or out of work, and need to be over 18.

You, or your partner, should be under State Pension age and must live in the UK.

You won't qualify if you and your partner have more than £16,000 in savings between you.

To find out whether you're eligible for extra help following the changes to the taper rate and work allowance, you can use a benefits calculator.

You'll need to provide details of your savings, income, existing benefits and pensions, outgoings and your council tax bill.

How to apply for Universal Credit

You can apply for Universal Credit online by creating a account, or logging into your old one if you've accessed benefits in the past.

In order to receive the benefit you should submit your claim within 28 days of creating an account.

You will need these details to hand in order to make a claim:

  • your bank, building society or credit union account details
  • an email address
  • information about your housing, for example how much rent you pay
  • details of your income, such as payslips
  • details of savings and any investments, like shares or a property that you rent out
  • details of how much you pay for childcare if you’re applying for help with childcare costs

If you do not provide the right information when you apply it might affect when you get paid or how much you get.

You'll also have to verify your identity online, so you'll need proof of identity such as a driving licence, passport or debit or credit card.

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People who are struggling with bills or other costs while they wait for their first payment can apply to get an advance.

Otherwise you will have to wait five weeks to receive your cash.

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