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If you have more than £6,000 in savings you'll get less universal credit and if you've savings of £16,000 or over, you won't be eligible for universal credit at all If you live with your partner, you must make a joint claim When you claim Universal Credit, you will have to wait 5 weeks before you receive your first payment If you need money urgently, you can apply for an advance payment in order to get money sooner, but this is a loan which must be paid back (see below) You can get help with childcare costs Up to 85% of your childcare costs can be refunded

What you will get universal credit

What you will get universal credit-If you are receiving Statutory Sick Pay it may be a good idea to apply for Universal Credit as well, particularly if you pay rent or have children to support If you get both, your Statutory SickUniversal Credit (UC) is a benefit for people aged between 18 and pension credit age, including people who are carers, parents, people in work, people looking for work and people who cannot work due to their condition or disability Some 16 and 17yearolds can apply for Universal Credit

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 If you're moving to Universal Credit from other benefits You can claim Universal Credit even if you were getting, or recently stopped getting, a benefit with a severe disability premium (SDP) You might get an extra amount in your Universal Credit this is called the 'transitional element' You can apply for Universal Credit if you are on a low income or unemployed You will usually only be able to claim Universal Credit if you are aged 18If you need help to pay your bills or cover other costs while you wait for your first universal credit payment, you can apply to get an advance The most you can get as an advance is the amount of your first estimated payment

 If you live with a partner, their income and savings will be taken into account You can get Universal Credit if you're living with other people but it might affect how much you get For example, living with parents might mean you get less help with housing costs Universal Credit emergency loan If you claim Universal Credit, you can apply for a Christmas emergency loan worth £1,000 Claimants can get the loan to Universal Credit personal loans are one option for badcredit borrowers looking to consolidate debt Read our Universal Credit review and compare lenders

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If you are part of a couple and receive a joint Universal Credit payment, both your earnings will be used to calculate how much Universal Credit you get How often you're paid Universal Credit This is what you need to know about today's Universal Credit changes The Government has brought in changes to the Universal Credit benefits system today (24 November) As was first announced by the Chancellor Rishi Sunak in October's Autumn Budget 21, two million people with lowincomes will now receive what is effectively a tax cut

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