Many people in the UK rely on Universal Credit. It’s a government help that’s there for people with low incomes, whether they’re working or not. It’s good to know that Universal Credit can give you access to even more support, sometimes worth thousands of pounds. Let’s break down how you can make the most of it.
Is Universal Credit Right for You?
Universal Credit isn’t just for those without a job. If you’re working but your pay is low, it can top up your earnings. It’s designed to make sure everyone has enough to live on. One of the best things you can do is check if you’re getting all the help you’re entitled to. You might be missing out on extra money!
Big Savings: What’s Available?
Now, let’s talk about the extra cash you could get. In February, there are several schemes you can apply for, potentially adding up to a lot of money.
Council Tax Support: Saving on Your Bills
Council tax can be a big expense. Good news! You might be able to get a discount, sometimes even up to £2,200. If you have a low income or get other benefits, you’re likely eligible. Homeowners, renters, employed, and unemployed people can all apply.
Each council runs its own scheme, so the amount you get depends on where you live and your personal situation. Things like your income, how many kids you have, and who else lives with you are all taken into account. In some cases, if you’re really struggling, your entire council tax bill could be covered.
Energy Bill Help: Keeping Warm Without Breaking the Bank
Energy bills are a worry for everyone. There are a few ways to get help with these costs. British Gas has an Energy Support Fund that can clear debts of £50 to £2,000 for their customers. They also have a “You Pay We Pay” scheme where they double your payments for six months!
This can make a real difference. There’s also the Warm Homes Discount, which is a £150 one-time payment on your electricity bill. Most people get this automatically, but if you live in Scotland, you might need to apply.
NHS Healthcare Costs: Getting Help When You Need It
If you’re on Universal Credit and have low or no earnings, you can get help with NHS healthcare costs. The amount you get depends on your income. You’ll need to show your Universal Credit award notice. This help is there to make sure you can access healthcare without worrying about the cost.
Household Support Fund: Extra Help for Tough Times
Local councils have funds to help people with essential costs like food, energy, and housing. The amount you can get varies, but it can be up to £500. If you’re struggling, contact your local council to see what help is available.
Free Childcare: Making Work Easier for Parents
If you’re on Universal Credit and working, you can get help with childcare costs. You can claim back up to 85% of what you pay! This can make a huge difference for working parents. For one child, you can get up to £1,014.63 per month, and for two or more children, it’s up to £1,739.37.
Conclusion
It’s really important to check what you’re entitled to. Use the “Entitled To” calculator, contact your local council, and talk to your energy provider. There’s a lot of help available, and you don’t want to miss out!
This article has been carefully fact-checked by our editorial team to ensure accuracy and eliminate any misleading information. We are committed to maintaining the highest standards of integrity in our content.
Filza specializes in simplifying financial topics for everyday readers. Whether breaking down Canada’s tax guides or U.S. benefits like SNAP and VA Disability, Filza’s relatable writing style ensures readers feel confident and informed. Follow her insights on LinkedIn or reach out via email at [email protected].