Brits are being urged to be aware of changes to their benefits this autumn.
The Department of Work and Pensions (DWP) has announced that Income-related Employment and Support Allowance (ESA) will gradually be replaced by Universal Credit.
If you currently receive ESA, it’s important to understand how this change may impact you, what steps you need to take and the support available to guide you through the transition.
In our latest blog, we’re talking about what Universal Credit is, what to expect, how to prepare and where to find help if you need it.
What is Universal Credit?
Universal Credit is a benefit payment for people on a low income or out of work.
Paid monthly, or twice a month for some people in Scotland, the payment is designed to help people with living costs.
You may be eligible for Universal Credit if you’re out of work, are unable to work due to health reasons or are in need of support while in a low-income job.
To claim you must be a UK resident, be aged 18 or over but below state pension age and have £16,000 or less in savings.
What does the change mean if you receive ESA?
Universal Credit is replacing a number of different benefits and tax credits, including ESA.
If you currently receive ESA, you’ll need to switch to Universal Credit in the near future.
The switch won’t be automatic so it’s important to know what to expect in the coming weeks and months.
1. Wait for your Migration Notice
The Department of Work and Pensions (DWP) is currently writing to people who receive ESA to let them know about the upcoming change.
It’s important to keep an eye out for this letter, known as a Migration Notice, as this will let you know you need to apply for Universal Credit.
You shouldn’t make any changes until you receive your Migration Notice. This letter will give you all the information you need on the move to Universal Credit, including how to apply and any deadlines you need to be aware of.
2. Apply for Universal Credit
The move to Universal Credit isn’t automatic, so once you receive the Migration Notice it’s important to take action.
You must move to Universal Credit within three months of receiving your letter to continue getting financial support. With that in mind, it’s best to complete your application as soon as possible.
When you apply for Universal Credit, your existing ESA claim will end so it’s vital you follow the instructions in your Migration Notice carefully and ensure your new Universal Credit claim is in place.
What happens after applying for Universal Credit?
When you apply for Universal Credit you may be asked to attend an appointment at your local Jobcentre. This is to make sure that your needs are being met and your claim is processed correctly.
This may involve a face-to-face meeting, however, if you have a disability or health condition that makes it difficult to attend you can request a phone appointment instead.
What help is available?
If you’re worried about the change to Universal Credit and what it could mean for you, it’s important to be aware of the support available.
The Help to Claim Service provides free support for anyone struggling with the switch.
Provided by trained advisors, the service can help you through each step from starting your application and understanding what documents you need to provide, to preparing for your first Jobcentre appointment.
This service is provided by Citizens Advice and is confidential.
You can also find online support at gov.uk/ucmove. The site provides step-by-step guides to help you prepare for your claim.
5 tips to help manage the transition
Change can be daunting, especially in relation to your benefits, so to help we’re sharing five tips to help you manage the transition:
- Check your mail: Look out for your Migration Notice in the post from the DWP. This letter will let you know your Universal Credit application deadline, so it’s important not to miss it.
- Note important dates: It’s crucial to take note of the deadline in your Migration Notice. Missing this date could result in your payments being stopped.
- Ask for help: If you’re unsure about anything in the Migration Notice or are unsure about how to apply for Universal Credit you can ask for help at uk/ucmove.
- Prepare your documents: Having documents like your ID and bank statements ready to speed up the application process.
- Stay informed: Make sure you stay up to date about the changes by carefully reading your Migration Notice and further information on the government website.
Frequently asked questions
Will I get the same amount of money through Universal Credit?
The amount you’re paid will be determined by your current circumstances, however, many people will be eligible for at least the same amount on Universal Credit as they received through ESA.
If your entitlement is less than your previous benefits or tax credits then you may be eligible for something known as ‘transitional protection’. This will top up your new Universal Credit payment.
What if I miss my application deadline?
If you miss the deadline for applying for Universal Credit, your payments may be impacted. With that in mind, it’s essential to apply by the date provided in your Migration Notice to avoid any interruptions.
Can I stay on ESA instead of moving to Universal Credit?
No, once you receive your Migration Notice, you will need to apply for Universal Credit. Your ESA will end once you submit your claim, and there is no option to return to it after that point.
