UK Credit

Universal Credit: Everything you need to know as top payments of £ 20 to complete this month

The weekly £ 20 universal credit (UC) increase will end this month.

In place throughout the pandemic, the top-up payment has helped nearly six million people and families in the past 18 months.

The phasing out of the payment will lead to a sudden drop in income of around £ 1,040 per year, or the equivalent of £ 20 per week.

READ MORE: News on Universal Credit from CambridgeshireLive

Chancellor Rishi Sunak received praise for the decision to top up UC payments last year, but their removal could plunge millions into financial hardship.

This week, the government reaffirmed its intention to remove the supplement, despite last-minute calls from figures such as footballer Marcus Rashford to keep what he said has been a “lifeline” for millions of people, Wales Online reports.

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Here’s what you need to know about when the UC Top-Up payment ends, including when you can expect your last payment, and what other support is available at the end.

When will top-up payments end?

The increase in universal credit payments will officially end on October 6, but the exact date people notice the reduction will depend on when they receive their benefit payment.

The CU is paid in arrears and your benefits are calculated each month based on an evaluation period from the previous month. This evaluation period depends on the date of your first CU request.

If your evaluation period ends on or after October 6, you will receive the new lower amount of CU. Those who are due to receive universal credit in bank accounts on October 12 – after an assessment period from September 6 to October 5 – will be the last to still have the top-up payment included in their benefits.

For many, September will be the last month their CU will be paid at existing levels.

What part of unified communications is removed?

The part of your benefits that is cut is in the standard allowance. This is the base rate to which you are entitled before adding additional items and before taking into account any income, savings or other deductions.

Additional items that will remain intact include:

  • Child element

  • Child care cost element

  • Limited capacity for the work element (abolished for most new applicants as of April 3, 2017)

  • Limited capacity for the work-related activity element (LCWRA element)

  • Helping element

  • Housing cost element

  • Transitional amount for people who had a severe disability premium on their inherited benefits

The benefit ceiling will also remain unchanged in October.

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What will I get now?

Here’s how the standard monthly allowance will change starting October 6:

Alone

Single under 25: £ 257.33 (from £ 344)

Single 25+: £ 324.84 (from £ 411.51)

Couple

Joint applicants under 25: £ 403.93 (from £ 490.60)

Joint applicants, one or both 25 years or older: £ 509.91 (from £ 596.58)

What help is available if I am in difficulty?

While millions of people are expected to see their payments cut, charity Mental Health UK has warned that removing the £ 20 per week increase would be a “catastrophic reduction” that could lead to a spiral of mental health problems in the community. people.

If you are having financial difficulties, there are other avenues you can explore.

According to the UK Government‘s website, there are a number of independent benefit calculator tools that you can use to find out if you are entitled to additional benefits.

Citizens Advice offers free debt advice, allowing you to speak to a debt counselor if you are concerned about how to meet your payments. It can also be helpful to talk to your bill provider if you’re worried about not paying your bills.

Speak to your bill suppliers as soon as possible if you are concerned that you may not be able to honor your payments. Citizens Advice can also offer free debt advice.

You may also be able to use a food bank if you qualify. You can also check this through Citizens Advice, which can direct you to the nearest food bank if you meet the eligibility criteria.

If you have children, you will probably be entitled to free school meals if you apply for UC.

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