Universal Credit (UC) is a new benefit that will be paid monthly. It will replace all of the following benefits. 1

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1 Universal Credit Universal Credit (UC) is a new benefit for people of working age. You can claim it if you have a low income or do not work. Some people started getting it in April In this factsheet, you can find out what benefits are being replaced by UC, who can get it and how much you could get. Universal Credit (UC) is a benefit for people aged between 18 and 65 years old. Some people aged will also be able to claim. UC is replacing 6 benefits including income-related Employment & Support Allowance, income-based Job Seekers Allowance, Income Support, Tax Credits and Housing Benefit. You can claim UC if you are in or out of work. Earnings and savings will lower the amount of UC you can get. You will get one monthly payment instead of a number of different payments. Most people who claim UC must agree to do certain things. This is called a claimant commitment. If you do not follow the rules in your claimant commitment, you could lose some of your benefit. 1

2 This factsheet covers: 1. What is Universal Credit (UC)? 2. How much can I get? 3. What if I am working or studying? 4. What if I care for someone or have children? 5. What about my housing costs? 6. How will income, savings and property affect my UC? 7. Will I be affected by the benefit cap? 8. How will I get my UC payments? 9. What is the claimant commitment? 10. Can I appeal if I disagree with a decision? 11. When will I have to claim? Top 1. What is Universal Credit? Universal Credit (UC) is a new benefit that will be paid monthly. It will replace all of the following benefits. 1 Housing Benefit Income Support Income-based Job Seekers Allowance Income related Employment & Support Allowance Child Tax Credit Working Tax Credit You can get UC if you have little or no income and a small amount of savings and capital. 2 Who can claim? UC is being introduced in stages across the country so at the moment whether you can claim UC will depend on your situation and where you live. There are two kinds of areas called full service areas and live service areas. 3 Full service areas If you live in a full service area you have to claim UC instead of claiming the older means-tested benefits listed above. You will be able to claim if you are: 4 aged 18 or over, on a low income or unemployed, and not in full-time education or training, 2

3 Live service areas Making a claim before 1 January 2018 Live service areas are sometimes called gateway areas. If you live in a live service area you can only claim if you are a single person aged 18 or over and not: 5 unable to work due to illness or disability, a carer, self-employed, in full-time education or training, or a homeowner. There are some other reasons that you cannot claim if you live in a live service area. You can read the full list on the gov.uk website: You can check if you can claim UC on the following websites: Making a claim after 1 January 2018 From 1st January 2018, you cannot start a new claim for UC in a live service area. If you are already on UC and in a live service area you can continue your claim. But if you are making a new claim in a live service area, you will have to claim a different benefit instead, such as jobseekers allowance. 6 If you are still unsure whether you can claim in your area you can also call the UC helpline Universal Credit Helpline This helpline helps with queries about claiming UC. They are open Monday to Friday from 8am until 6pm. Telephone: Textphone:

4 Basic conditions of entitlement There are 5 conditions you need to meet to get UC, which are explained below. Be an adult of working age 7 You usually need to be 18 or over and below Pension Credit age to get UC. Sometimes you can claim UC if you are aged 16 or You need to speak to a welfare adviser if you want to find out more. You can get UC if you are over Pension Credit age, but your partner is below Pension Credit age. In this case you can choose whether to apply for UC or Pension Credit. But most couples who can claim Pension Credit are better off on Pension Credit than Universal Credit. Your Pension Credit age depends on when you were born. You can check what your pension credit age is by using this online calculator: Be a habitually resident in the UK This means you must have the right to live in the UK and plan to stay. If your partner does not meet these rules, you can make a claim as a single person. 9 If you don t meet these rules but your partner does then they could apply for UC instead of you. Not be in full-time education Most students cannot claim UC although there are some students who can claim. 10,11 For example, if you have a child or a disability. 12 You need to speak to a welfare adviser if you want to find out more Be on a low income and have low savings and capital UC is a means-tested benefit. This means that any savings, capital and income you have will affect how much you will get paid. You will only get UC if you have a small amount of savings and capital, and have a low income or no income at all. 13 You can find out more about this in Section 6 of the factsheet. You cannot get UC if you are a: 14 member of a religious order, prisoner, person serving a prison sentence detained in hospital, or detained on section 45A or 47 of the Mental Health Act

5 How do I claim? You have to claim UC online. If you can t get online you might be able to claim by phone. You cannot claim by post. Go to this link below to claim online: If you need help claiming UC online, call the UC helpline: Telephone: Textphone: How much can I get? You work out how much Universal Credit (UC) you will get you need to follow the steps below. Step 1: Add up all the different elements of UC you should get. Step 2: Work out how much your UC will reduce because of capital or income. Step 3: Check the amount is not above the benefit cap. Top We have explained these elements below. Steps 2 and 3 are explained in the rest of the factsheet. Will I get less money on UC? There are different parts of UC. These parts are sometimes called elements and will make up one monthly payment. This means you will not get different payments from the following benefits. Housing Benefit Income-related Employment and Support Allowance Income-based Job Seekers Allowance Tax Credits Income Support If you pay council tax you may still claim Council Tax Support from your local council. Each UC element has an assessment period. The assessment period is one month. At the end of each assessment period the DWP calculates your UC for that month. 16 5

6 Below, we have explained the different elements. Standard allowance 17,18 The standard allowance is the basic amount of UC you will get. Any other elements are added on top of this amount. Single person over Single person under Couple (at least 1 over 25) Couple (both under 25) Limited capability for work element (LCW) The LCW element is for people who are too unwell to work at the time of assessment. 19 You will have to do work training and work related activities to continue getting this element. This is called a work preparation requirement. 20 The government have made changes to the LCW element. If you claim after 3 rd April 2017, you will not get an extra payment for getting the LCW element. Payments will continue at the same rate as the standard allowance. 21 Limited capability for work and work-related activity element (LCWRA) The LCWRA is for anyone who is too unwell for work and does not have to do work-related activities To get the LCW or LCWRA elements you will have a work capability assessment. This happens 3 months after you claim. 23 The period when you are waiting for your work capability assessment is called the assessment phase. Most people will not get the LCW and LCWRA elements until the assessment phase has ended. 24 If you have a terminal illness, you will get the LWCRA element at the start of your UC application. 25 You can find out more about Work capability assessment at Or call our General Enquiries Team on and ask them to send you a copy of our factsheet. 6

7 Carer element The carer element is for people who provide a lot of care for someone with a disability You can get the carer element for UC if you get Carers Allowance. But you do not always need to claim Carers Allowance to get this element. You cannot get the carer element if you are a professional carer and get paid a salary. 27 See Section 4 for more information about the carer element and how it is calculated. Child element You can get the child element if you have one or two children. The child element has two rates: 28 First child Other children a higher rate for the first child if they were born before 6 April 2017, and a lower rate for your second child or any children born after 6 th April For children born after 6 April 2017, the higher rate will not be available. You will get the lower rate for up to 2 children in your family. But there are some exceptions to this and you should speak to a welfare adviser if you need more information. 29 If you have more than two children you cannot claim UC. You can claim Child Tax Credit instead. 30 This rule will change in November 2018 and you will be able to start claiming UC from then. 31 See Section 4 for more information about the child element and how it is calculated or Disabled child addition 32 You can get a disabled child addition if your child gets Disability Living Allowance (DLA) or Personal Independence Payment (PIP). There are two rates for disabled children. You can only get one rate for your child. The rate will depend on their Disability Living Allowance (DLA) or Personal Independence Payment (PIP) claim. See Section 4 for more information about the disabled child addition. Childcare costs element People who work and have to pay for childcare may be able to get 85% of their child care costs, up to a maximum of: for one child, or 1, for 2 children or more. See Section 4 for more information about the childcare costs element. 7

8 Housing costs element The housing costs element is for people who are responsible for the rent or mortgage payments of their home. 34 UC will replace Housing Benefit for people who pay rent. It also replaces the Support for Mortgage Interest scheme for people with mortgages. People who pay service charges for repairs to public areas in housing associations or council houses will get help from UC. 35 The amount you can get will depend on area that you live in, the size of your household and standard interest rates. See Section 5 for more information about the housing costs element. 3. What if I am working or studying? Work You can still claim Universal Credit (UC) if you work. But how much you earn may reduce the amount of UC you get. Top If you are employed you will probably pay tax using Pay As You Earn (PAYE). In this case Her Majesty s Revenue and Customs (HMRC) will tell the Department for Work and Pensions (DWP) how much you earn. 36 If you are self-employed, you must tell the DWP how much you earn every month. 37 This is because you may earn different amounts every week or month. The DWP will assess you as earning at least a certain amount every month. This is called the minimum income floor. 38 Your minimum income floor is worked out at national minimum wage based on a 35 hour week, with an amount taken away for tax and National Insurance. 39 If you are setting up a new business the DWP will use your actual earnings in the first 12 months. 40 They will do this to help you increase your income. Studying You cannot usually claim UC if you are a full-time student studying for: 41 a degree, a postgraduate degree, a diploma of higher education, a higher national diploma, and any other qualification which is above advanced GNVQ or A level standard. 8

9 You can claim UC when you are studying if: 42 you have a child, or you get Disability Living Allowance or Personal Independence Payment at any rate for any component, and have limited capability for work. If you are studying part-time and meet the conditions that are set out in your claimant commitment you can claim UC. You can read more about the claimant commitment in Section 9 below. 4. What if I care for someone or have children? Carer element You can get the carer element of Universal Credit (UC) if you care for someone who needs a lot of support. You must care for them for 35 hours or more a week. 43 The person you care for must also be getting: 44 Top Attendance Allowance, Personal Independence Payment, standard or enhanced daily living component, or Disability Living Allowance, high or middle rate care component. If the person you care for has 2 carers, only one of you can get the carer element. 45 You can get up to a month. If you are a couple and both of you care for two or more different people you could both get an additional carer element. 46 You cannot get the carer element, limited capability for work (LCW) element and limited capability for work-related activity (LCWRA) element at the same time. If you are entitled to more than one, you will get: 47 the LCWRA if you are entitled to it and single, the carer element if you are also entitled to LCW and single, the LCWRA if you are entitled to it and your partner is not, the carer element if your partner gets the LCWRA, or the carer element if you or your partner are entitled to the LCW element. What if I have children? You can get the child element if you have children. 48 The child element has two rates: for the first child (the higher rate), and for any other children (the lower rate). For children born after 6 April 2017, the higher rate is not available anymore. 50 You will get the lower rate for up to 2 children in your family. 9

10 But there are some exceptions to this 51 and you should speak to a welfare adviser if you need more information. Disabled children You can get money for each disabled child or qualifying young person you are responsible for. This is called the disabled child element. 52 You will get each month if your child: 54 gets the high rate care component of Disability Living Allowance, gets the enhanced daily living component of Personal Independence Payment, or is registered as blind. If the child gets any other rate of Disability Living Allowance or Personal Independence Payment, you will get each month. Childcare costs If you are in paid work, you may be able to get help with up to 85% of your child care costs. 55 Below are the maximum amounts you can get. 56 One child up to each month Two or more children up to 1, each month There are some rules around getting this element. 57 We have explained these below. The childcare costs must be for a child under 16 years old. If the child is over 16, you can continue claiming child care costs until the 1 st September following their 16 th birthday. The childcare must help you to start working or stay working. You must have a paid job or be about to start a paid job before the start of the next UC assessment period. If you are a couple, your partner must also be: o in paid work or have limited capability for work, o a full time carer, or o away from your home for a short time. You will only get help with child care from a registered childminder or a school. 58 You cannot claim this element to pay family to mind your child unless they are registered and they care for the child outside of your home. 59 You must tell the DWP how much your childcare costs are every month. Top 10

11 5. What about my housing costs? Renting If you rent a property, you may get the housing costs element to help with the rent and other costs. Universal Credit (UC) does not include Council Tax Support. This is a separate benefit. If you are responsible for paying council tax you can claim Council Tax Support from your council. If you rent from the council or a housing association If you don t earn any other money apart from benefits, you can get help with your rent. UC will usually cover the whole of your rent if you live in social housing. Social housing includes council or housing association properties. But you may have to pay towards your rent if: 60,61,62 you have other income or savings, the government thinks you have more bedrooms than you need, part of your rent pays for bills or services, such as electricity, meals or laundry services, or you have an adult child, friend or relative living with you. They will need to pay towards the rent. There is more information on the bedroom rules below. This is called the Under-occupancy charge or bedroom tax. Your housing costs element will be reduced by per month for each non-dependent adult that lives with you. 63 A non-dependent is an adult that lives with you, such as one of your children who is now an adult. This rule will not apply if the person that lives with you: 64 is under 21 years old, gets pension credit, gets the middle or high rate care component of Disability Living Allowance (DLA), gets the daily living component of Personal Independence Payment (PIP), gets Attendance Allowance (AA), gets Carer s Allowance, or is responsible for a child under 5 years old. If the person would get: middle or high rate care component of DLA, the daily living component of PIP, or Attendance Allowance 11

12 but they don t get it at the moment because they are in hospital, they do not count as a non-dependent. 65 This means your housing costs element will not get reduced because of them. Under-occupancy charge You will not get all of your rent paid if you have more bedrooms in your property than the government thinks that you need. 66 This only applies to council or housing association properties. Some people have called this the bedroom tax. Below is a list of the rules about bedroom tax. 67, 68 All adults and couples need their own bedroom. Boys under 16 should share a room. Girls under 16 should share a room. Boys and girls under 10 should share a room. Although if one of your children is disabled and need their own room because of this you may be allowed an extra room. If you have more bedrooms than these rules say you need, then you are under-occupying the property. From 1 st April 2017 you are allowed 1 extra bedroom if you, your partner, or your child are disabled and need a carer to provide overnight care. 69 To be allowed the extra bedroom you have to meet the following criteria. 70,71 The person getting the care must be entitled to: o Attendance Allowance, o middle or high rate care component of Disability Living Allowance, o daily living component of Personal Independence Payment, or o Armed Force Independence Payment. The person getting the care must also need a carer to stay overnight regularly to care for them. From 1 st April 2017 you are also allowed 1 extra bedroom if you cannot share a room with your partner because one of you has a disability. 72 To get this one of you must be claiming: Attendance allowance at the higher rate, the care component of disability living allowance at the middle or higher rate, or the daily living component of Personal Independence Payment, or Armed Forces Independence Payment. If you still have more bedrooms than the rules say you need, the DWP says you are under-occupying. If this happens, you will get less housing costs element. 12

13 How much less you get will depend on how many extra rooms you have: 73 14% less if you have 1 spare bedroom, or 25% less if you have 2 or more spare bedrooms. Renting from a private landlord If you rent from a private landlord, you will get a different amount of housing cost element. How much you get will depend on where you live, how many people you live with and how big the property is. If you are: single, under 35, and have no children or non-dependents, then you will only get enough to rent a room in a shared house. 74 You will be able to get more help if you get: 75, the care component of Disability Living Allowance (DLA) at the middle or highest rate, Attendance Allowance, the daily living component of Personal Independence Payment (PIP), any rate, or regular overnight care from a carer who needs their own room year old s and housing costs From 1st April 2017 you may not be able to get the housing costs element of UC if you are: 76 aged 18-21, single, and don t have any children. There are some exceptions to this rule. 77 You can call the Rethink Mental Illness advice service on or us at advice@rethink.org if you would like more advice on this. What if I have a mortgage? If you live in a house or flat with a mortgage and are not earning any money 78 you may be able to get help with your mortgage. 79 UC will help with the interest part of a mortgage. It will only help with mortgages up to 200,000. If your mortgage is over 200,000 you will get help with your mortgage, but it will only cover the first 200, It will not help pay back the amount you borrowed. The amount you get is based on the Bank of England s standard interest rate. 81 You can find out how much the rate is at any time by checking the Bank of England website here: 13

14 You will have to wait 9 months from the time you claim until you get your first payment. 82 You will not get any help with your mortgage during this period. If you have a repayment mortgage, you may have to find another way to top up the mortgage payments. For example, you can ask your lender to switch to an interest-only mortgage, but you should get advice before switching. The Money Advice Service can help you with this. The Money Advice Service Provides free and impartial money and advice, set up by government. Telephone: enquiries@moneyadviceservice.org.uk Website: From 5th April 2018 the UC payment you get for help with your mortgage will be a loan. 83 So if you apply for UC after 27 July 2018 and are waiting for help with your mortgage, it will be paid as a loan. The loan will be repaid when you sell your property or will be recovered from your estate when you die. 84 You can also make voluntary repayments of over 100 at any time. 85 What if I live in supported housing? You may live in supported housing. This is when you get care and support as part of your housing. Different organisations can arrange this including: the council, a housing association, a registered charity, or voluntary organisation. If you live in supported accommodation you will need to claim housing benefit. You will not get your housing costs paid through UC. 86 The rules around supported housing and supported 'exempt' accommodation are complicated. If you need advice on supported 'exempt' accommodation, you can contact a specialist housing advisor. 6. How will income, savings and property affect my UC? What if I have savings or capital? Capital means how much your assets, shares or investments are worth. The DWP will not count your home and business as assets. Savings means money you have in your bank, building society or post office accounts, cash and ISAs. How much your capital and savings are worth may affect the amount of UC. We have set out the rules in a chart on the next page. 87 Top 14

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17 What if I get some money from working? You may get less UC if you earn some money from: 88 being employed, being self-employed, or statutory sick pay, maternity or paternity pay and adoption pay. You can earn some money without it affecting how much UC you get every month. This is the work allowance. You can get the work allowance if: 89 you are responsible for a child, or you have limited capability for work. Your work allowance will depend on whether or not you get help with housing costs. If you get no help with housing costs the work allowance is 397. If you do get help with housing costs it is For every 1 you earn above the work allowance, you will get 63p less UC. 91 If you are not entitled to the work allowance, every 1 you earn will reduce your UC by 63p. 92 What if I get other benefits? Disability Living Allowance and Personal Independence Payment do not affect your UC. But the following benefits will be taken off your UC. 93 Contribution-based Jobseekers Allowance Contribution-based Employment & Support Allowance Carer s Allowance Widow s Allowance and Widowed Parent s Allowance Maternity Allowance Industrial Injuries Benefit What if I get other kinds of income? Money from an ex-partner If your ex-husband or wife pays you money under a court order this will reduce the amount of UC you get. 94 But if they pay you child maintenance under the Child Maintenance Service this does not count as income and will not reduce your UC. 95 Pensions Most private and occupational pensions will reduce the amount of UC you get

18 Top 7. Will I be affected by the Benefit Cap? There is a benefit cap which sets a maximum amount of money you can get from Universal Credit (UC). 97 How much is the cap? The benefit cap is: 98 1, if you are single and live outside London, 1, if you are single and live in London, 1, if you are a couple and live outside London, or 1, if you are a couple and live in London. The benefit cap is higher if you are single and responsible for a child. Will I be exempt from the cap? Some people do not have their benefits capped. This is known as being exempt. You will be exempt if: 99,100 you or your partner earns at least 520 per month, you or your partner have limited capability for work-related activity, you, your partner or child get Disability Living Allowance or Personal Independence Payment, or you or your partner get Carers Allowance. 8. How will I get my UC payments? The DWP will pay your Universal Credit (UC) into your bank account once a month. If you claim as a couple, you can choose which of your accounts to get the money in. 101 You may have a joint account and you can get the money paid into here. If you are struggling with monthly payments, you might be able to get your UC weekly or fortnightly which is called personal budgeting support. You can find more information about this in the Personal Budgeting Support Guidance: Top 18

19 Top 9. What is the claimant commitment? You may be able to look for, or prepare for work. In this situation, the Department for Work and Pensions (DWP) will expect you to do this to claim Universal Credit (UC). 102 If you have a part-time job, you may have to look for more work. If you are in a low paid job, you may have to look for a higher paid one. 103 If you claim UC and are looking for work you must agree to a list of conditions called a claimant commitment. This will explain what: 104 you have to do to prepare, or look, for work, will happen if you don t do these things, and information the DWP needs you to give. Depending on your situation, you might have to: 105 show that you are looking for full-time work, and take some steps to prepare for work if you are too unwell to work. You will have to go to work focused interviews. 106 These are meetings with an adviser. You will talk about the type of work you can do and what problems you might have in work. You will work out how to deal with these problems. But if you have limited capability for work-related activity (LCWRA) you will not have to go to a work-focused interview. 107 What if I have to look for work? If you have to look for work, you will have to be available to start work immediately unless you have a good reason you can t. This is the work availability requirement. 108 The work search requirement is when the DWP will expect you to spend time looking for, or preparing for, work. 109 Your claimant commitment should say what meetings you have to go to and how long you have to spend looking for work. 110 If you need the commitment changed, speak to a personal adviser at Jobcentre Plus. What if I don t follow the rules in my claimant commitment? If you don t follow the rules you could lose some of your benefit, this is called a sanction. 111 There are four levels of sanction the DWP can apply depending on what happened. These are: high, medium, low, and lowest. If your UC is sanctioned at the highest, medium or low level you will lose all of your standard allowance. 112 The sanction will last between 7 and 91 19

20 days if it is your first sanction, but they can last for longer if you have already been sanctioned in the last year. 113 If your UC is sanctioned at the lowest level, you will lose 40% of your standard allowance. This will continue until you start doing what the Jobcentre asked you to do or if they say you don t have to do it. 114 If you are claiming as a couple, you will lose 40% of the couple s allowance if one partner is sanctioned. You will lose 80% if both of you are sanctioned. 115 Hardship payments If the DWP sanction your benefit you may be able to apply for help through a hardship payment. The DWP must pay you some money if you: 116 cannot pay for important things like rent, heating, food and hygiene, have tried to spend less and get other kinds of support, or have met all work related requirements in the previous 7 days. You will have to apply for a hardship payment every month if you need it. You will have to pay it back. 117 To pay it back, your UC will be reduced by 15% Can I appeal if I disagree with a decision? You can ask the Department for Work and Pensions to look at their decision again. This is called a mandatory reconsideration. You have 1 month from the date of the decision to ask for this. 119 You have to go through this process before you can appeal. You can appeal against most Universal Credit (UC) decisions. There are some things you cannot appeal against including the benefit cap. 120 Any appeal goes to an independent tribunal. You can find more information about: Welfare benefits appeals Welfare benefits mandatory reconsiderations at Or call our General Enquiries team on and ask them to send you a copy of our factsheet. 11. When will I have to claim? Universal Credit (UC) is available throughout the country but at the moment only certain people in particular areas have to claim UC. Top Top 20

21 Some areas are known as full service areas. In these areas if you are making a claim for means-tested benefits you must claim UC instead, with very few exceptions. 121 All other areas are known as live service areas. They are sometimes called gateway areas. In live service areas, you have to claim UC if you: 122 are single, don t live with a child, are able to look for work, and are making a new claim for benefits. In some live service areas you do have to claim UC if you are in a couple or have up to 2 children. Please see the following link for a list of jobcentres that accept claims for UC for families with up to 2 children. These are listed alphabetically. Sometimes you can transfer to UC if you are claiming other benefits even if you are not single or a job seeker. Please get advice from a welfare benefits specialist before you do this because you may get less benefit under UC. If you do not live in one of the areas where UC is available your benefits won t change. The DWP are rolling out Universal Credit in stages. It is expected that the roll out of Universal Credit will completed by December Claiming UC from 1 January 2018 From 1 January 2018 you cannot start a new claim for UC in a live service area. You will have to claim another benefit such as jobseekers allowance instead. You can carry on claiming UC in a live service area if you started your claim before 1 January What if have more than 2 children? Families with more than two children cannot make a new claim for Universal Credit until November 2018 in any area. Families in this situation would claim existing benefits instead. 124 Top 1 s3, Welfare Reform Act 2012 c5. 2 As note 1 (WRA 2012), s5. 3 Gov.uk. Universal Credit: Eligibility. (accessed 10 October 2017). 4 As note 3. 5 As note 3. 6 Department for Work and Pensions. Housing Benefit Urgent Bulletin HB U4/

22 ta/file/668245/u pdf (accessed 3 January 2018). 7 As note 1 (WRA 2012), s4(1). 8 As note 3. 9 Reg 3(3)(b), The Universal Credit Regulations SI 2013/376. London: TSO; As note 1 (WRA 2012), s4(1)(d). 11 As note 1 (WRA 2012), s4(2) 12 As note 9 (SI 2013/376), Reg As note 1 (WRA 2012), s5 14 As note 9 (SI 2013/376), Reg 19(1). 15 As note 9 (SI 2013/376), Reg 19(4)(a). 16 As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Reg Schedule 5, The Welfare Benefits Up-rating Order SI 2015/30, London: TSO; As note 9 (SI 2013/376), Reg As note 1 (WRA 2012), s s16, Welfare Reform and Work Act 2016 c7. 22 As note 1 (WRA 2012), s19(2)(a). 23 Department for Work and Pensions. Decision Makers Guide. Chapter F5: Work Capability Assessments. ta/file/606407/admf5.pdf (accessed 14 November 2017) para F As note 9 (SI 2013/376), Reg 28(2). 25 As note 9 (SI 2013/376), Reg 28(5)(a). 26 As note 1 (WRA 2012), s12(2(c)). 27 As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Reg As note 21 (WRWA), s As note 3 31 Gov.uk.Universal Credit and families with more than 2 children: information for claimants (accessed 16 October 12017) 32 As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Reg As note 1 (WRA 2012), s As note 9 (SI 2013/376), Schedule 1 para Department for Work and Pensions. Universal Credit and Employers: Frequently Asked Questions. (accessed 17 October 2017). 37 Department for Work and Pensions. Universal Credit for the selfemployed. (accessed 17 October 2017). 38 As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Reg 62(4). 40 As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Reg 12(3). 22

23 42 As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Reg 29(3). 46 As note 9 (SI 2013/376), Reg 29(2). 47 As note 9 (SI 2013/376), Reg 29(4). 48 As note 1 (WRA 2012), s As note 9 (SI 2013/376), Reg As note 21 (WRWA), s As note 21 (WRWA), s As note 9 (SI 2013/376), Reg 24 (2). 53 As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Reg 24(2)(b). 55 As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Regs As note 9 (SI 2013/376), Reg 35(2). 59 As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Sch 4 paras 13 and As note 1 (WRA 2012), s8(3). 62 As note 9 (SI 2013/376), Sch 1 para As note 9 (SI 2013/376), Sch 4 para 14(1). 64 As note 9 (SI 2013/376), Sch 4 para 16 (2). 65 As note 9 (SI 2013/376), Sch 4 para 16(2)(f). 66 As note 9 (SI 2013/376), Sch 4 para As note 9 (SI 2013/376), Sch 4 para Burnip, Trengove and Gorry v Secretary of State for Work and Pensions [2012] EWCA Civ As note 9 (SI 2013/376), Sch 4 para 12(3) 70 As note 9 (SI 2013/376), Sch 4 para As note 9 (SI 2013/376), Reg 2 72 Reg 6(e), The Housing Benefit and Universal Credit (Size Criteria) (Miscellaneous Amendments) Regulations London: TSO; SI 2017/ As note 9 (SI 2013/376), Sch 4 para As note 9 (SI 2013/376), Sch 4 paras 27 and As note 9 (SI 2013/376), Sch 4 para As note 9 (SI 2013/376), Sch 4 paras 4A and 4B. 77 As note 9 (SI 2013/376), Sch 4 para 4B. 78 As note 9 (SI 2013/376), Sch 5 para As note 1 (WRA 2012), s11 80 As note 9 (SI 2013/376), Sch 5 para 10 (2) 81 As note 9 (SI 2013/376), Sch 5 para As note 9 (SI 2013/376), Sch 5 para 5 83 Reg 3 The Loans for Mortgage Interest Regulations SI 2017/725. London: TSO; As note 83 (SI 2017/725), Reg 16(1). 85 As note 83 (SI 2017/725), Reg 16(8). 86 As note 9 (SI 2013/376), Sch 1 para As note 9 (SI 2013/376), Regs 18 and As note 9 (SI 2013/376), Regs 22 and As note 9 (SI 2013/376), Reg 22 (1)(b)(i). 23

24 90 As note 9 (SI 2013/376), Reg 22 (3). 91 As note 9 (SI 2013/376), Reg 22 (1)(b)(i). 92 Reg 2 The Universal Credit (Reduction of the Earnings Taper Rate) Amendment Regulations SI 2017/348. London: TSO; As note 9 (SI 2013/376), Reg 66 (1)(b). 94 As note 9 (SI 2013/376), Reg 66(d). 95 As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Reg As note 1 (WRA 2012), s As note 9 (SI 2013/376), Reg 80A(2). 99 As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Reg Gov.uk. Universal Credit: 4. Getting paid. (accessed ) 102 As note 1 (WRA 2012), s As note 1 (WRA 2012), s As note 1 (WRA 2012), s As note 1 (WRA 2012), s As note 1 (WRA 2012), s As note 1 (WRA 2012), s19(2)(a). 108 As note 1 (WRA 2012), s As note 1 (WRA 2012), s As note 1 (WRA 2012), s As note 9 (SI 2013/376), Reg 100(1). 112 As note 9 (SI 2013/376), Reg 111(1). 113 As note 9 (SI 2013/376), Regs As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Reg 111(5). 116 As note 9 (SI 2013/376), Reg As note 9 (SI 2013/376), Reg Reg 11 (2) (c) The Social Security (Overpayments and Recovery) Regulations SI 2013/384. London: TSO; Reg 5b The Universal Credit, Personal Independence Payment, Jobseeker's Allowance and Employment and Support Allowance (Decisions and Appeals) Regulations SI 2013/381. London: TSO; Sch 2 para 8A Social Security Act As note As note As note Gov.uk Universal Credit and families with more than 2 children: information for claimants (accessed 31 October 2017) 24

25 Rethink Mental Illness 2014 Last updated December 2017 Next update July 2020 Version: 4.1 This factsheet is available in large print. Last updated 01/10/2010