Universal Credit is a means-tested benefit in the UK designed to support individuals and families on low incomes or out of work. It replaces six previous benefits: Jobseeker’s Allowance, Income Support, Employment and Support Allowance, Housing Benefit, Child Tax Credit, and Working Tax Credit. Universal Credit aims to simplify the benefits system and provide financial support based on individual circumstances.

Eligibility criteria for Universal Credit include:

1. Residency: You must be living in the UK.
2. Age: You must be 18 or over (although some exceptions exist for individuals aged 16-17 in specific situations).
3. Income and Savings: If you have one, you (and your partner) must have a low income or be out of work. Your savings and capital must be below £16,000.
4. Work status: If employed, you must work less than the maximum allowed hours (usually 16 hours per week for single claimants and 24 hours per week for couples, with some exceptions). If you are self-employed, you must demonstrate that your business is viable and profit-oriented.

If you have reached the State Pension age, you may not be eligible for Universal Credit and should apply for Pension Credit instead.

The amount of Universal Credit you receive depends on various factors, including your circumstances, housing costs, and whether you are responsible for children or have a disability or health condition. Universal Credit consists of a standard allowance plus any additional elements you qualify for, such as housing costs, childcare costs, or support for disabled children.

If you believe you may be eligible for Universal Credit, you can apply online at www.gov.uk/apply-universal-credit. It is essential to provide accurate information and promptly report any changes in your circumstances, as this may affect your claim and the amount of support you receive.