Universal credit

Universal Credit payment is made up of a standard allowance and any extra amounts that apply.

The amount of Universal Credit depends on an individual’s earnings and if individual circumstances are assessed every month what’s paid may change.

The benefit cap may limit the total amount of benefit.

Standard allowance (2019/20)

CircumstancesMonthly standard allowance
Single and under 25 £251.77
Single and 25 or over £317.82
In a couple and both under 25 £395.20 (total for both)
In a couple and either are 25 or over £498.89 (total for both)

Extra amounts (2019/20)

If eligible this is paid on top of the standard allowance.

How much forExtra monthly amount
First child £277.08 (born before 6 April 2017)
£231.67 (born on or after 6 April 2017)
Second child and any other eligible children1 £231.67 per child
A disabled or severely disabled child £126.11 or £392.08
Help with childcare costs Up to 85% of costs (up to £646.35 for one child and £1,108.04 for 2 or more children)
If limited capability for work and work-related activity £336.20
If limited capability for work and has started health-related Universal Credit or Employment and Support Allowance (ESA) claim before 3 April 2017 £126.11
If caring for a severely disabled person £160.20

1 If the claimant has 3 or more children, they’ll get an extra amount for at least 2 children. They'll get an extra amount for any disabled or severely disabled child - no matter how many children they have or when they were born. They can only get an extra amount for more non-disabled children if any of the following are true:

  • their children were born before 6 April 2017
  • they were already claiming for 3 or more children before 6 April 2017
  • other exceptions apply

More information can be found on the Government's website

Last updated: 27 Mar 2019

This website is intended for financial advisers only and shouldn't be relied upon by any other person. If you are not an adviser please visit royallondon.com.

The Royal London Mutual Insurance Society Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. The firm is on the Financial Services Register, registration number 117672. It provides life assurance and pensions. Registered in England and Wales number 99064. Registered office: 55 Gracechurch Street, London, EC3V 0RL.