Benefit changes are set to sweep across the UK as Universal Credit replaces Income-related Employment and Support Allowance (ESA).
The change will happen gradually, with people who currently receive ESA being informed over the coming months.
If you currently receive ESA, it’s important to know how this change may impact you and what support is available.
In our latest blog we’re shining a light on what to expect, what you need to do and where to find help if you need it.
In our latest blog, we’re talking about what to expect, how to prepare and where to find it.
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What is Universal Credit?
First of all, it’s important to know what Universal Credit is and how it works.
Put simply, it’s a benefit payment for people who are out of work or on a low-income.
Universal Credit is paid monthly, or twice a month for some people in Scotland, and is designed to help people cover living costs.
As mentioned, you may be eligible for this benefit if you’re currently unemployed, are unable to work due to health reasons or are in need of further support while in a low-income job.
There are eligibility requirements to be aware of. To claim you must be aged 18 or over, live in the UK and have £16,000 or less in savings.
What does the change if you receive ESA?
You may have heard that Universal Credit is replacing a number of benefits and tax credits, including ESA.
If you receive ESA you’ll be told you’ll need to make the switch to Universal Credit in the near future.
It’s not an automatic change, however, so it’s important to know what to expect.
1. Wait for your Migration Notice
The Department of Work and Pensions (DWP) will write to you to let you know about the upcoming change.
You’ll receive a Migration Notice which will let you know that you’ll need to apply for Universal Credit. This letter will let you know everything you need to know about the change, including how to apply and any deadlines you need to be aware of.
2. Apply for Universal Credit
Once you receive your Migration Notice, it’s important to take action.
You must move to Universal Credit within three months of receiving the letter to continue getting financial support.
With that in mind, it’s best to complete your application as soon as possible.
The move to Universal Credit isn’t automatic, so once you receive the Migration Notice it’s important to take action.
Your existing ESA claim will end when you apply for Universal Credit so it’s vital you follow the instructions in your Migration Notice carefully and ensure your new Universal Credit claim is in place.
What happens after you apply?
You may be asked to go to your local Jobcentre for a meeting after you apply for Universal Credit.
This appointment will assess your needs and ensure your claim is processed correctly.
You may be required to have a face-to-face meeting with an advisor, however, you can request a phone appointment instead if you have a disability or health condition.
However, if you have any worries about the switch or need more help, you can visit the gov.uk/ucmove website.
What help is available?
Understandably, the thought of making changes to your benefits might seem daunting but there is support available to help.
Help to Claim Service
The “Help to Claim” service offers free, independent support over the phone for anyone applying for Universal Credit. This service is there to guide you through each step, from starting your application to understanding what documents you need to provide.
Online Resources
You can also find comprehensive information and guidance on the gov.uk/ucmove website. This site provides step-by-step instructions and answers to common questions about moving to Universal Credit, making it a valuable resource if you’re feeling uncertain about the process.
5 tips for a smooth transition
- Keep an eye on your mail: Make sure to watch out for your Migration Notice from the DWP. This letter will be your main guide throughout the process.
- Mark important dates: Note down the deadline given in your Migration Notice. Missing this deadline could result in a gap in your financial support.
- Seek support early: If you think you might need help with your application, reach out to the Help to Claim service or visit gov.uk/ucmove as soon as you receive your Migration Notice.
- Prepare your documents: Having necessary paperwork like identification, bank statements, and details about your rent or mortgage ready can speed up your Universal Credit application.
- Stay informed: Read through the guidance provided in your Migration Notice and on the official government website to avoid any surprises.
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