The Department for Work and Pensions (DWP) will phase out four major legacy benefits in February 2025, requiring affected claimants to transition to Universal Credit (UC) to continue receiving financial support.
This transition is part of the government’s plan to simplify the welfare system. However, it’s essential for claimants to know the deadlines, transitional support options, and application process to avoid losing income.
If you’re currently receiving one of these legacy benefits, acting on time is critical. Here’s a guide to help you navigate the transition.
Benefits
The DWP is replacing the following four benefits with Universal Credit:
- Income Support
- Income-Based Jobseeker’s Allowance (JSA)
- Income-Related Employment and Support Allowance (ESA)
- Housing Benefit (except for some supported housing cases)
If you currently receive any of these benefits, you must apply for Universal Credit before the deadline mentioned in your Migration Notice letter to avoid interruptions in financial support.
Information at a Glance
| Details | Information |
|---|---|
| Benefits Ending | Income Support, Income-Based JSA, Income-Related ESA, Housing Benefit |
| Transition Deadline | February 2025 |
| Action Required | Apply for Universal Credit by your Migration Notice deadline |
| Transitional Protection | Available to avoid income loss during the transition |
| Support Available | Jobcentres, Citizens Advice, DWP helpline |
How to Move to Universal Credit
The DWP will send a Migration Notice, instructing you to apply for Universal Credit. This letter will contain:
- Your deadline to apply.
- Instructions on how to apply.
- Details about transitional protection, if eligible.
Check Your Eligibility
Before applying, make sure you meet Universal Credit requirements:
- Age: Must be over 18 (exceptions exist for 16-17-year-olds).
- Residency: Must live in the UK.
- Savings: Must have savings under £16,000.
Gather Required Documents
You will need the following documents when applying:
- National Insurance (NI) number
- Bank details for payments
- Proof of income and housing costs (e.g., rent agreement, council tax bills)
- Details of dependents or disabilities, if applicable
Apply for Universal Credit Online
Visit the official UK government website to apply for Universal Credit. If you need help, contact the Universal Credit helpline or visit your local Jobcentre.
First Universal Credit Interview
Once you’ve applied, you’ll need to:
- Attend an interview at a Jobcentre or over the phone.
- Provide any additional information requested.
- Agree to the Claimant Commitment, which outlines your job-seeking or work-related responsibilities.
Receive Your First Payment
Universal Credit payments take five weeks after applying. If you need money urgently, you can request a Universal Credit Advance, which will be repaid over time.
Will I Lose Money?
One major concern for claimants is the risk of losing income. To prevent financial loss, the government offers transitional protection, which tops up your payments so you don’t receive less than your old benefit amount.
Transitional Protection
- Available only if you apply before your Migration Notice deadline.
- Not available if you voluntarily switch to Universal Credit before being asked.
- May reduce over time if your income or circumstances change.
Common Challenges
| Challenge | Solution |
|---|---|
| Delay in Receiving First Payment | Apply for a Universal Credit Advance to cover costs. |
| Struggling to Apply Online | Contact Citizens Advice or the DWP helpline for step-by-step guidance. |
| Confusion Over Work Requirements | Speak with your Work Coach at Jobcentre Plus for personalized support. |
| Loss of Certain Benefits | Use a benefits calculator (Turn2Us) to check how your payments will change. |
Expert Opinions
The DWP believes that Universal Credit simplifies the benefits system and offers better financial security. Mel Stride, the Work and Pensions Secretary, said:
“Universal Credit provides better financial security and a modern system that ensures every claimant receives the support they need.”
Concerns from Charities
Charities like Citizens Advice warn that some claimants could face hardship during the transition, especially those who rely on disability support. Dame Clare Moriarty, Chief Executive of Citizens Advice, cautioned:
“Some claimants may face hardship during the transition. It is crucial to seek advice and apply early.”
Final Thoughts
If you’re currently receiving one of the legacy benefits, it’s crucial to act as soon as you receive your Migration Notice from the DWP. By preparing early and seeking support when needed, you can ensure a smooth transition to Universal Credit and protect your financial stability.
Remember, transitional protection can help you avoid income loss, but only if you apply before the deadline.
FAQs
Which benefits are ending in February 2025?
Income Support, Income-Based JSA, Income-Related ESA, and Housing Benefit.
What is the deadline to apply for Universal Credit?
The deadline is in February 2025, or as stated in your Migration Notice.
What is transitional protection?
It ensures you won’t receive less than your previous benefit amount during the transition.
How long does it take to receive Universal Credit?
It takes five weeks to receive your first Universal Credit payment.
What if I can’t apply online?
Contact Citizens Advice or the DWP helpline for assistance.
