Universal Credit: Can you claim Universal Credit when living with parents?

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Claims for Universal Credit have increased during the lockdown this year, and the Government has increased the amount claimants can get while claiming the benefit to reflect this. Whether or not you can claim Universal Credit is dependent on your personal circumstances.

Can you claim Universal Credit when living with parents?

You may be eligible for Universal Credit if you live in the UK and you’re on a low income, or you are out of work.

You must be 18 years or over to claim Universal Credit, but there are some exceptions for people aged 16 to 17.

You must be under State Pension age, or your partner must be, in order to claim the benefit.

In terms of savings, you and your partner must also have £16,000 or less saved between the pair of you.

A number of factors can affect how much Universal Credit you receive.

Factors such as your age and whether you have children will affect how much you receive in Universal Credit payments.

In some circumstances your claim for Universal Credit will also take into account who you live with.

For example if you live with your partner, your partner’s income and savings will be taken into account when you claim for Universal Credit.

If you live with your parents, this may also affect how much Universal Credit you can receive.

The Citizens Advice website states: “You can get Universal Credit if you’re living with other people but it might affect how much you get.

“For example, living with parents might mean you get less help with housing costs.”

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How much can you get on Universal Credit?

Universal Credit consists of a standard allowance, but you may be eligible for extra payments.

You could get extra funding on Universal Credit if you have children, have a disability or health conditions which prevents you from working, or if you need help paying your rent.

Your Universal Credit payments will also be impacted by the amount you earn.

If you are single and under the age of 25, the monthly standard allowance on Universal Credit is £342.72.

If you are single and over the age of 25, the monthly standard allowance is £409.89.

If you are in a couple, and you are both under the age of 25, the standard monthly allowance for both is £488.59.

If you are in a couple, and either of you is over the age of 25, you will get £594.04 in total.

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