How to apply for Universal Credit

What you need before you apply for Universal Credit

This applies to England. When you plan to apply for Universal Credit, getting your paperwork ready beforehand makes the whole journey much easier. Universal Credit is a regular payment designed to help with living costs if you are on a low income, out of work, or unable to work. You can read more details on the main Universal Credit page. Before you begin your claim, you should gather specific details about your household, earnings, housing costs, and savings so you can complete the online forms without delay.

• Details of your bank account or building society account where payments can go
• Information about your housing costs, such as rent payments or mortgage details
• Records of any money coming in from a job, self-employment, or other sources
• Details of any savings, capital, or investments you hold

How to create your online account

The entire application process takes place digitally. You will need to visit GOV.UK to set up your personal sign-in details. Creating an online account gives you a secure space to manage your details, view your payments, and communicate directly with the Department for Work and Pensions.

1. Go to GOV.UK and search for the relevant benefit page to start your claim
2. Enter your email address and create a secure password
3. Confirm your email address using the secure link sent to your inbox
4. Set up extra security features, such as getting verification codes sent to your phone

Make sure you keep your login details safe and secure. Your online account features a journal where you will receive messages, requests, and updates about your progress from DWP staff.

Proving your identity and eligibility

During your application, you must prove who you are and show that you meet the rules for financial support. You will be asked to provide identifying documents online, which might include a passport, driving licence, or utility bills to confirm your identity.

• Provide correct personal details that match your official documents
• Answer questions about your living arrangements and whether you live with a partner
• Declare any capital, money, or savings you and your household possess
• Submit details regarding any health conditions that affect your ability to work

What happens after you submit your application

Once you submit your forms online, there is usually nothing more for you to do right away. DWP will review your submission and check the details you provided. Keep a close eye on your online journal or phone for any messages in the weeks following your submission.

• Check your online account and journal regularly for updates or requests for more information
• Attend any booked appointments with a work coach, either online, over the phone, or at your local jobcentre
• Complete any tasks listed on your to-do list to prevent delays to your payments
• Report any changes in your household circumstances immediately

Your account will also show your claimant commitment, which outlines what steps you agree to take to find work or increase your earnings.

How to request an advance payment

If you are facing financial hardship and need money before your first regular payment arrives, you can ask for financial help upfront. This option is often referred to as a new claim advance.

• Assess whether you need urgent funds for essential living costs like food or rent
• Request the advance through your online account or by speaking directly with your work coach
• Understand that you must pay this money back through deductions taken from future regular payments

Speak to your work coach if you have questions about how deductions work or if you need help managing your budget while waiting for your regular schedule to start.