Step 1 Increasing your income

Universal Credit

In 2013, Universal Credit began to replace the following benefits and tax credits.

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

Some people who make a new claim for these benefits will get Universal Credit. Between 2013 and 2022, most people claiming the old benefits and tax credits should be transferred onto Universal Credit.

You can use an online benefits checker such as the benefits calculator at www.turn2us.org.uk.

Income-based Jobseeker’s Allowance

Income-based Jobseeker's Allowance is for people working less than 16 hours a week who are looking for work. You may also be able to get help towards your mortgage. There may be a time limit of 104 weeks on the help with your mortgage.

Income Support

Income Support is for people who are not looking for work (for example, because they are caring for someone). You may also be able to get help towards your mortgage.

Income-related Employment and Support Allowance

Income-related Employment and Support Allowance has replaced Incapacity Benefit and Income Support for people who may be unable to work due to illness or disability. You may also be able to get help towards your mortgage.

Pension Credit

You can claim Pension Credit once you have reached the qualifying age. The amount you are entitled to depends on your income. There is an extra payment called Savings Credit if you or your partner are 65 or over. This rewards you for having modest savings. The amount you get will depend on how much money you have saved. You may also be able to get help towards your mortgage.

The Savings Credit part of Pension Credit will end for people who reach State Pension age on or after 6 April 2016.  Some protection will be given to couples who were already getting Savings Credit on 6 April 2016.