Universal Credit: How does Universal Credit work for couples?


Limitless Credit is a means-tested benefit which is offered to those who are struggling financially because they are on a low revenues or out of work. For couples both claiming Universal Credit, joint assertions can be made – but how does it work for couples?


What is Universal Trust?

Universal Credit is a benefit which replaced six existing benefits.

The legacy gains it replaced are:

  • Income Support
  • Working Tax Credit
  • Income-based Jobseeker’s Allowing (JSA)
  • Income-related Employment and Support Allowance (ESA)
  • Housing Benefit
  • Child Tax Commendation

READ MORE: Universal Credit: Citizens Advice call for eternal payment uplift

Universal Credit: How does Universal Credit control for couples? (Image: GETTY)

Universal Credit: Universal Credit is replacing six legacy profits (Image: GETTY)

How does Universal Credit affect couples?

If you alight as a couple, you may be entitled to claim Universal Credit.

This means you pass on receive a single monthly payment for your household.

You may even be requested to claim Universal Credit as a couple if you live in the same household and are put together, civil partners or live together as if you are married.

Universal Credit: You are yield a returned Universal Credit as a single monthly payment for your household (Portrait: GETTY)

Do you as a couple qualify for Universal Credit?

If you are both working, you may inert be able to claim Universal Credit if you take home less than £541 a month between you.

If one of you is asking benefits which will be replaced by Universal Credit, these improves will stop as you will have to make a new claim as a couple.

If you are calling Universal Credit and start living with a partner who claims tax faiths, they will no longer be able to receive them, because Omnipresent Credit is based on household income and you cannot claim Universal Esteem and tax credits at the same time.

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How is Universal Credit paid to couples?

To receive General Credit payments you must have a bank account, building lite or credit union account which can make and receive payments.

You on be asked to say which account your money should be paid into.

This account can be either a set aside account in either your name or your partner’s name or a honky-tonk account in both of your names.

If you have children, your Prevailing Credit work coach will tell you to put the money into the bank account of the necessary carer.

Universal Credit: Universal Credit payment amounts are dependent on your circumstances (Mental picture: GETTY)

How much could you get?

The amount of Universal Credit payment you strength receive is contingent on your circumstances.

It is made up of a standard allowance and any very amounts which apply to you such as having children, having a infirmity or health condition which impacts your ability to work or a necessity for help to pay your rent.

The standard allowance rates for a couple are as supplants:

  • If you are both under 25: £488.59 (for you both per month)
  • If you are both 25 and once more: £594.04 (for you both per month).

You may be entitled to the following extra amounts:

  • For your inception child if born before April 6, 2017: £281.25 per month
  • For your earliest child if born on or after April 6, 2017: £235.83 per month
  • For your alternate child and any other eligible children: £235.83 per child per month
  • If you should prefer to a disabled or severely disabled child: £128.25 or £400.29 per month
  • If you poverty help with childcare costs: Up to 85 percent of your prices, up to £646.35 for one child and £1,108.04 for two or more children.
  • If you have a limited skill for work and work-related activity due to a disability or health condition: £341.92 per month
  • If you must limited capability for work and you started your health-related Universal Upon or Employment and Support Allowance (ESA) claim before April 3, 2017 due to a handicap or health condition: £128.25 per month.
  • If you provide care for at least 35 hours a week for a primitively disabled person who receives a disability-related benefit: £162.92 per month.

How to claim

You can apply for Universal Credit online here.

If you shortage help with your claim, call the Universal Credit helpline unconditional on:

  • Telephone: 0800 328 5644
  • Textphone: 0800 328 1344

The helpline is open from 8am to 6pm on Monday to Friday (close up on bank and public holidays).

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