Universal Credit is a vital financial lifeline for millions of UK households. Whether you’re between jobs, earning a low income, or managing part-time work, this benefit is designed to adjust with your situation and offer flexible support. In June 2024, the UK government increased the standard allowance for couples where at least one partner is aged 25 or over—from £578.82 to £617.60 per month. This move is part of a broader response to help families manage the ongoing cost-of-living pressures.
Here’s a breakdown of what’s changed, who qualifies, how to apply, and how to ensure you receive the right amount.
What Is Universal Credit?
Universal Credit (UC) merges six previous benefits into a single monthly payment:
- Income Support
- Income-based Jobseeker’s Allowance (JSA)
- Income-related Employment and Support Allowance (ESA)
- Housing Benefit
- Child Tax Credit
- Working Tax Credit
The system is designed to simplify the welfare process and ensure your benefit adapts as your income and circumstances change. For example, if your wages decrease, UC may increase to fill the gap.
June 2024 Update: New Monthly Rate for Couples
As of June 2024, couples where at least one partner is 25 or older are now entitled to £617.60 per month, up from £578.82. This update is part of the UK government’s cost-of-living support strategy and is applied automatically for those already claiming UC.
| Household Type | Previous Rate (Monthly) | New Rate (From June 2024) |
|---|---|---|
| Couple (at least one aged 25+) | £578.82 | £617.60 |
Who Can Claim Universal Credit?
You must meet certain eligibility criteria to qualify:
- Be aged 18 or over (some 16–17-year-olds qualify in special cases)
- Be under State Pension age
- Live in the UK
- Have savings under £16,000
You may still qualify if you:
- Are working part-time or self-employed
- Live with a partner
- Have children
- Are paying rent
Universal Credit isn’t only for those out of work—it also supports low-income workers and those with fluctuating incomes.
How to Apply for Universal Credit
If you’re new to UC, applying is straightforward:
- Go to GOV.UK
- Create an account
- Complete the online application
- Verify your identity
- Attend a phone or in-person appointment if required
Once approved, payments are usually made monthly into your bank account.
You May Be Entitled to Additional Elements
Beyond the standard monthly allowance, UC includes extra payments based on your situation:
| Additional Element | Who It’s For |
|---|---|
| Child element | Parents or guardians of dependent children |
| Housing element | Those paying rent or mortgage interest |
| Limited capability for work | Claimants with a disability or illness |
| Carer’s element | If you care for someone 35+ hours a week |
| Childcare costs | If you’re working and paying for childcare |
These top-ups are automatically calculated and added to your monthly UC payment once your claim is assessed.
Why It’s Crucial to Report Changes
Life changes—so should your benefit. You must report any changes to your circumstances promptly to avoid overpayments or penalties.
Key changes to report:
- Starting or leaving a job
- Changes in income or hours worked
- Moving home
- People moving in or out of your household
- Having a baby or a child leaving home
- Going abroad for more than four weeks
- Changes to your health status
Failing to report changes in time can lead to overpayment demands or even fines.
The increase in Universal Credit to £617.60 for eligible couples is a welcome step in addressing the financial challenges many households face today. But to benefit fully, you must stay informed, apply correctly, and keep your details up to date. Whether you’re a first-time applicant or an existing claimant, this extra support can offer much-needed relief—so don’t leave it unclaimed.
FAQs
How much is Universal Credit for couples aged 25 or over now?
From June 2024, it’s £617.60 per month.
Who qualifies for Universal Credit?
Anyone on a low income with less than £16,000 in savings who lives in the UK and meets other age and residency requirements.
How do I apply for Universal Credit?
Apply online at GOV.UK, create an account, and verify your identity.
Can I get extra money on top of the standard amount?
Yes, you may receive additional elements for children, housing, disability, or childcare.
Do I need to report life changes?
Yes—failing to do so could lead to overpayments or fines.
