As the government continues its transition from legacy benefits to Universal Credit, it’s important to understand how this change affects you. At Citizens Advice, we’re here to help you navigate the process and ensure you don’t miss out on financial support.
What is Universal Credit?
Universal Credit is a single payment that replaces six legacy benefits:
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
- Income Support
- Working Tax Credit
- Child Tax Credit
- Housing Benefit
If you’re currently receiving any of these benefits, you will need to move to Universal Credit by 2029. Some people will move earlier through natural migration (if your circumstances change), while others will be transferred through managed migration (where the Department for Work and Pensions (DWP) sends a migration notice instructing you to apply).
What Happens During Managed Migration?
The government is currently sending migration notices to people still on legacy benefits. If you receive a notice, you must apply for Universal Credit by the deadline, or your benefits will stop.
Key steps in the process:
Receiving a Migration Notice
- The DWP will send a letter telling you when to apply.
- If you do not apply by the deadline, your current benefits will end.
Assessing Your Financial Situation
- Universal Credit payments may be higher or lower than your legacy benefits.
- If you will receive less under Universal Credit, you may get transitional protection, which tops up your payment to ensure you don’t lose money immediately.
Making a Universal Credit Claim
- Claims are made online, and payments are made monthly. (phone claims are possible, if you are unable to claim online)
- It can take at least five weeks to receive your first payment, so you may need to plan ahead.
- If needed, you can request an advance payment to help with immediate costs, but this will need to be repaid from future payments.
What If You Miss the Deadline?
If you don’t apply within three months of receiving your migration notice, your benefits will stop, and you may face financial hardship. If you miss the deadline, contact the DWP immediately to explain your situation.
Additional Support for Certain Groups
Some people may be entitled to extra support, including those who previously received the Severe Disability Premium (SDP). If this applies to you, you could be eligible for a managed migration transitional element to help bridge the financial gap.
Get Support with Your Claim
The transition to Universal Credit can feel overwhelming, but you don’t have to go through it alone. The Help to Claim team can:
- Help you understand what Universal Credit means for you
- Assist with making a claim
- Signpost for budgeting and other financial support
For more information contact our Help to Claim: Universal Credit team.
- 0800 144 8444 (Monday to Friday 8am to 6pm)
- Webchat (Monday – Friday 8am – 6pm)
- Self help online
- Access via our drop ins
We will need some information about you and your circumstances when you contact us, please visit what to bring with you to ensure you have the relevant information we will need to help you.
If you receive a migration notice, act as soon as possible to ensure you continue receiving financial support. If you’re unsure about what to do, contact us for free, independent advice.