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Universal Credit is the main benefit for people of working age who are on a low income or out of work. It replaces six older benefits including Jobseeker's Allowance, Housing Benefit and Tax Credits.
Who can claim? You must be aged 18 or over, under State Pension age, living in the UK, and have less than £16,000 in savings.
PIP helps with extra costs if you have a long-term physical or mental health condition or disability. It is not means tested — your income and savings do not affect your entitlement.
If you cannot work due to illness or disability you may be entitled to Employment Support Allowance or the Limited Capability for Work element of Universal Credit.
Both require a Work Capability Assessment. The assessment considers your ability to carry out work-related activities. Always describe your worst days — not your best.
Losing your job can cause immediate financial pressure. Several sources of help are available beyond benefits.
Describe your situation and get instant guidance on your benefits and rights — free.
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