Universal Credit

What is Universal Credit?

Universal Credit is a single monthly payment of benefit for people in or out of work, replacing six benefits.




Universal Credit can be paid into a bank or credit union account. Set one up or use the one you have.


All claims are managed online, so you need to know where you can access the internet and you need the skills to go online.


Youy need to plan your budget. Universal Credit is paid monthly rather than weekly or fortnightly.

What else did BOB do?

He made an email address and registered at www.gov.uk/verify

He also started saving a couple of pounds each week so he had money before his first UC payment. (It takes at least five or six weeks for your first payment to arrive after you make your claim.)

We can help you!

If you need advice about Banking, getting Online, Budgeting, or anything Universal Credit-related, our Income & Inclusion team can help. Please contact us on 01495 745910, or email us at enquiries@melinhomes.co.uk.

What does this mean for you?

What you need to do next depends when your area becomes full service:

  • Torfaen – 12th July 2017
  • Newport – 15th November 2017
  • Monmouthshire – March 2018
  • Blaenau Gwent -April 2018
  • Powys – June 2018

If you need to make a new claim for:

  • Income-based Jobseeker’s Allowance
  • Income-related Employment and Support Allowance
  • Income Support
  • Child Tax Credit
  • Working Tax Credit
  • Housing Benefit

And you have two children or less, you will be asked to make a claim for Universal Credit (this is one payment replacing all the benefits listed above).

If you are already in receipt of the above individual benefits you don’t need to do anything unless you have a change in circumstance.

What could prompt a change?

  • Change in working hours
  • Bereavement
  • Found fit for work so Employment and support Allowance stops
  • Relationship starts or ends
  • Loss of job
  • Birth of a child
  • Youngest child turns five
  • Becoming a carer
  • Making a new claim for Housing Benefit
  • Moving from one Local Authority to another

If you’re affected by anything on the list above you will need to report the change to the department you’re claiming the benefit from, they will advising you to claim Universal Credit.

Please don’t forget you need to make a separate claim to your Local authority for help with Council Tax.

All the changes to benefits can be confusing, please remember you’re not alone, our Income and Inclusion team are all trained and here to help you.

What can we help with?

  • Give first class professional Benefit advice, including Universal Credit, Employment and Support Allowance (ESA), Personal Independence Payment (PIP) and the Benefit Cap;
  • Help with making a money planner, this will help you to budget and we can even give you advice on how to increase your income
  • Help with energy debt and advice;
  • Help with grant applications for things like washing machines and fridge freezers;
  • Assistance with tribunals or reconsdierations for benefit appeals;
  • Help to open a bank or savings account or digitally assist;
  • Provide you with Food Bank Vouchers, so you don’t choose between heat or eat.

Please call us on 01495 745910 or email our Income & Inclusion team.

Further information on Universal Credit can be found on the following websites:

GOV.UK's Benefits Calculators

The Government's website explains Universal Credit in more detail. You can use an independent benefits calculator to find out:

  • what benefits you could get
  • how to claim
  • how your benefits will be affected if you start work

The Money Advice Service website offers free and impartial money advice.

You can also call them on 0800 138 7777

They are open Monday to Friday, 8am to 8pm (except Bank Holidays)
Saturday, 9am to 1pm (Sundays closed)

Turn2us – What is Universal Credit

Turn2us is a national charity that helps people in financial hardship to gain access to welfare benefits, charitable grants and support services. You can contact them via there online form. They also have a handy on line calculator so you can see if you’re receiving all the benefits your entitled to.

Citizens Advice – Universal Credit

The Citizens Advice service provides free, independent, confidential and impartial advice to everyone on their rights and responsibilities. It values diversity, promotes equality and challenges discrimination

If you require advice, please either visit the Newport Citizens Advice office, one of our Outreach locations, telephone AdviceLine on 03444 77 2020, or visit the National Citizens Advice website.

Your checklist

Your checklist

To make your Universal Credit claim process as quick and easy as possible, make sure you've got all the following information:

  1. Your National Insurance number and your partner’s National Insurance number.
  2. Your postcode
  3. Your email address (you can’t claim without one!)
  4. Your phone number (landline or mobile)
  5. Melin Homes address: Melin Homes, Ty’r Felin, Lower Mill Fields, Pontypool, Torfaen NP4 0XJ
  6. Your rent (contact us if you’re not sure of the correct amount)
  7. Your tenancy start date
  8. Details of any children/relatives/other people who live with you, including their name, date of birth, relationship to you and income
  9. Details of any savings
  10. Details of any other money you receive
  11. The name and address of your bank, your account number and sort code