
Universal Credit – key information
Universal Credit is a benefit paid by the government to help with living costs. It is gradually replacing the following older benefits:
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
- Income Support
- Working Tax Credit
- Child Tax Credit
- Housing Benefit (for most working-age claimants)
You usually receive one monthly payment instead of several separate benefits.
Who will move to Universal Credit
Most working-age people on the benefits listed above will move to Universal Credit. The government plans for all working-age legacy benefit claimants to move to Universal Credit by March 2026.
People over state pension age (currently 66, rising to 67) are not affected by Universal Credit and usually claim Pension Credit instead.
Rent and housing costs
Universal Credit includes a ‘Housing Element’ to help with rent.
- This replaces Housing Benefit
- The housing money is normally paid to you.
- If your rent changes or you are worried about paying rent, tell Money Matters team as soon as possible so we can support you
Managed migration
If you currently receive legacy benefits and nothing has changed:
- The DWP will send you a migration notice letter when it is time to move
- You must apply within the deadline in the letter to avoid your benefits stopping
- Please contact our Money Matters team so we can help you with your application
If you are currently in receipt of legacy benefits, such as Employment and Support Allowance and nothing has changed then you don’t need to take any action until you receive the ‘managed migration’ letter from the DWP to tell you to take action. If you don’t understand, please ask for help.
Find the latest 2025-2026 benefits rate leaflet