Universal credit: Claim conditions
To be entitled to Universal Credit, you must meet certain basic and financial conditions. This section gives a brief overview of these requirements.
NOTE: The rules on this page explain the basic conditions and requirements that must be met in order to be entitled to UC. Eligibility to claim and entitlement are two separate issues - someone who is eligible to submit a claim may not be entitled to UC if they do not meet the requirements below. You can find out more in our who can claim UC section.
A single claimant is entitled to UC if they meet the basic conditions and the financial conditions for single claimants. A couple (joint claimants) are entitled to UC if each of them meets the basic conditions and they meet the financial conditions for joint claimants (although there are some exceptions to this explained below).
- Basic conditions
- Financial conditions
The legislation is very specific about when two people are treated as part of a couple. However there are exceptions to this general rule that mean sometimes a member of a couple may have to make a single claim.
For UC, a couple is defined as:
- Two people who are married to each other and members of the same household
- Two people who are not married to each other but are living together as if they are
- Two people who are civil partners of each other and members of the same household
- Two people who are not civil partners of each other but are living together as if they are.
There are some differences to the current tax credits definition of a couple, namely that married couples must be part of the same household and the separated tests have been removed.
See Chapter E4 of the Advice for Decision Makers guidance (AMD) for more detailed information on what constitutes a couple for UC.
There are some circumstances where a person can make a single claim even though based on the criteria above they are part of a couple. In brief these are:
- Where one partner is not yet 18 and cannot get UC as a person under the age of 18
- Where one partner is not treated as ‘in Great Britain’
- Where one partner is a prisoner
- Where one partner is part of a religious order and is fully maintained by that order or is serving a sentence of imprisonment whilst detained in hospital.
Even if both members of a couple do not meet the basic conditions (set out below), they must still claim UC jointly. This will be the case where:
- One member of the couple is has reached their state pension credit qualifying age and the other is under it (mixed age couples must claim UC, couples where both members have reached their state pension credit qualifying age cannot claim UC).
- One member of the couple is counted as ‘receiving education’
To meet the basic conditions a person must:
- Be at least 18 years of age (see below for the exceptions to this)
- Not have reached the qualifying age for state pension credit (but see above for an exception)
- Be in Great Britain
- Not be receiving education
- Have accepted the claimant commitment
There are limited exceptions to the minimum age rule which mean that people aged 16 and 17 can claim UC in some situations. Broadly: -
- those who have limited capability for work or are awaiting assessment to determine whether they have limited capability for work and a registered medical practitioner has given a statement that supports the person is not fit for work.
- those responsible for a child (including where a 16 or 17 year old is part of a couple where the other member is responsible for a child providing the other member meets the conditions).
- those with regular and substantial caring responsibilities for a severely disabled person
- young women who are pregnant between 11 weeks before and 15 weeks after the expected date of confinement;
- young people who are without parental support.
The test for whether someone is ‘in Great Britain’ is different to the current test for tax credits that requires someone to be ‘in the UK’.
Normally a person will not be in GB unless they are habitually resident in the UK, Channel Islands, Isle of Man or Republic of Ireland. And a person cannot be treated as habitually resident unless they also have a right to reside in one of those places.
In effect this means that to claim UC you must be both habitually resident and have a right to reside. As with tax credits there are specific rules about who has a right to reside, temporary absences from GB or are Crown Servants. The rules are different to tax credits.
You cannot claim UC if you are a person ‘subject to immigration control’.
More detailed information can be found in the ADM Chapter C1 which covers the ‘in Great Britain’ requirement.
To meet the financial conditions a single claim must not have capital above a certain level (see further our capital limits section) and their income must be low enough so that the amount of UC payable is not below the set minimum amount, currently one penny (see Advice for decision makers, E1153).
To meet the financial conditions a couple must not have combined capital that is above a certain level (see further our capital limits section) and their combined income must be low enough so that the amount of UC payable is not below the set minimum amount.
Last reviewed/updated 2 August 2021