Universal Credit payments are made to help support those who are on a low income, or out of work, with their living costs.

The benefit is paid in monthly instalments and was introduced to replace child tax credits, housing benefits, working tax credits, income support, jobseeker’s allowance and other income-related allowances.

Who is eligible?

To be eligible to claim Universal Credit, you need to be on a low income or unemployed, over the age of 18, under state pension age, have less than £16,000 in savings or live in the UK.

If you live with your partner, their income and savings will be considered - even if they are not eligible.

How do I apply?

To apply you will need to complete an application form online. You will need your bank details, an email address, housing information such as rent payments, income details such as payslips, details of savings and any other investments and childcare cost details.

You will also have to verify your identity online with a driving licence, passport, or a debit or credit card.

If you and your partner live together, you will have to apply as a couple even if you are not married.

Can I apply if I have been furloughed?

If your salary is reduced as a result of being furloughed, you may be eligible for support through the welfare system. To check your eligibility visit gov.uk.

How much money do you get?

Payments are made up of a standard allowance, plus any extra amounts that apply to you such as children, disabilities, health conditions and help with rent.

Single claimants aged under 25 will receive £342.72 a month. Those aged over 25 receive £409.89 a month.

Joint claimants who are both aged under 25 will get a monthly allowance of £488.59 between them, while couples over 25 will get £594.04.

Is the UK lockdown affecting payments?

All new claimants have to wait five weeks to receive their first payment, or apply for an advance, which must be repaid at a later date.

The five-week wait is still being upheld and there are no plans to change the waiting time.