About Universal Credit
Universal Credit will help make sure you are better off in work than on benefits and give you the help you need to prepare for work, start work or earn more money.
It will include support for the cost of housing, children and childcare, as well as financial support for disabled people, carers and people who are too ill to work.
In return for this support, it is your responsibility to do everything you can to find work or increase your earnings.
Benefits being replaced by Universal Credit
The benefits that will be replaced are:
- Jobseeker’s Allowance (income-based)
- Employment and Support Allowance (income-related)
- Income Support
- Child Tax Credits
- Working Tax Credits
- Housing Benefit (rental)
Benefits not being replaced by Universal Credit
The benefits not being replaced and which will continue are:
- Jobseeker’s Allowance (contribution-based)
- Employment and Support Allowance (contribution-based)
- Child Benefit
- Pension Credit
- Carer’s Allowance
- Industrial Injuries Disablement Benefit
Who can get Universal Credit
To get Universal Credit in Northern Ireland you must:
- be living in Northern Ireland (for England, Scotland or Wales, visit GOV.UK)
- be 18 years of age or over
- be under State Pension age
- not be in full-time education
- not have savings or capital over £16,000
When Universal Credit will be introduced
Universal Credit will be introduced for new claims on a phased geographical basis from September 2017 to September 2018. The planned approach is set out below.
|Week commencing||Jobs & Benefits / Social Security office|
|25 September 2017||Limavady|
|13 November 2017||Ballymoney|
|11 December 2017||Magherafelt and Coleraine|
|15 January 2018||Strabane and Lisnagelvin|
|5 February 2018||Foyle and Armagh|
|19 February 2018||Omagh and Enniskillen|
|5 March 2018||Dungannon and Portadown|
|16 April 2018||Banbridge and Lurgan|
|30 April 2018||Kilkeel, Downpatrick and Newry|
|14 May 2018||Bangor, Newtownards and Holywood Road|
|28 May 2018||Knockbreda, Newtownabbey and Shankill|
|11 June 2018||Corporation Street, Falls and Andersonstown|
|25 June 2018||Shaftesbury Square, Lisburn and Larne|
|2 July 2018||Carrickfergus, Antrim and Ballymena|
|July-September 2018||Cookstown, Ballynahinch and Newcastle|
People already receiving a benefit that is being replaced by Universal Credit
If you currently receive any of the six benefits being replaced, you will be transferred to Universal Credit between July 2019 and March 2022.
However, if your circumstances change after Universal Credit has been introduced in your area, you may move to Universal Credit at that time.
Getting ready for Universal Credit
If you currently receive benefits or credits that are being replaced by Universal Credit, the Department for Communities will contact you to guide you through the steps you need to take when your claim is ready to move to Universal Credit.
You will claim Universal Credit online.
Unlike the current system, benefits will not suddenly be removed if you start work. A certain amount can be earned before a Universal Credit payment is reduced. This is known as your Work Allowance.
For any money you earn over your Work Allowance, your Universal Credit will be gradually reduced.
This allows you to take temporary or seasonal jobs without making a new claim or having gaps between paydays as you move in and out of work.
Universal Credit Payments
Universal Credit will be paid twice a month to a household, however you can request a monthly payment. A household could be a single person, a couple or a family. If you are part of a couple you may request a split payment into separate bank accounts.
If your Universal Credit claim is successful, you will get your first payment between five and six weeks after you make your claim.
How payments are worked out
Universal Credit payments are worked out in three stages.
Stage 1 – standard allowance
This is an amount for you or you and your partner. There are four Standard Allowance rates. The amount you get will depend on your age and if you are part of a couple.
Stage 2 - elements
You may be entitled to an additional amount, known as an element.
|Element||What the payment is for|
Payment for each child you have plus an additional amount if any child has a disability (this is called the Disabled Child Element and is paid at one of two rates)
|Payment to help cover relevant childcare costs|
|Limited capability for work element||A payment when you cannot be expected to look for work because of a disability or health condition|
|Limited capability for work-related activity element||A payment when you cannot be expected to look for work because of a disability or health condition|
|A payment to support you if you are providing a significant amount of care to someone with a disability|
|A payment to help cover relevant housing costs. If you are renting a property, the housing payment will be paid directly to your property landlord. You can request the payment is made to you.|
Stage 3 – other income
Your Universal Credit payment will be dependent on your other income such as:
- savings and/or capital above £6,000
- other benefits you receive
- any other income (for example, a pension) or take home pay
- any advances, sanctions, overpayments or third party deductions you and/or your partner have
Other help and support
Rate rebate scheme
A Department of Finance Rate Rebate Scheme will provide rates support for tenants or home owners who are entitled to Universal Credit.
Support will be available for working families claiming Universal Credit. These families can apply for a supplementary payment to help with expenses relating to their employment.
The detail of this support is yet to be finalised. It is expected that payments will be available from autumn 2017.