Preparing your business for Universal Credit
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Universal Credit is a new benefit being introduced by the Government, replacing six existing benefits and providing a monthly payment to households. It is the biggest current threat to landlord income. Its rollout is slow, and this allows housing associations the opportunity to prepare for its introduction.
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Preparing your business for Universal Credit
- 1. • Pippa Bell, Policy Officer, National Housing Federation • Gareth Bevan, Policy Officer, National Housing Federation Preparing your business for Universal Credit
- 2. Pippa Bell, Policy Officer, National Housing Federation Universal Credit overview
- 3. Universal Credit Included in UC: • Income-based Jobseeker’s Allowance • Income-related Employment and Support Allowance • Income Support (including Support for Mortgage Interest) • Child Tax Credits • Working Tax Credits • Housing Benefit Excluded from UC: • Council Tax support • Disability Living Allowance • Personal Independence Payments • Contributory Benefits (although earnings rules aligned) • State Pension • Child Benefit • Pension Credit • Carer’s Allowance
- 4. UC timetable April 2014 • UC live in 10 sites Summer 2014 • North West expansion starts • Roll out to couples Autumn 2014 • Roll out to claimants with children 2016/17 • Migration of existing claims
- 6. Alternative payment arrangements Managed payment (to landlord) Split payment More frequent payment
- 7. UC payments Universal Credit claimants will: • Have a ‘set’ pay date each month • Receive their initial payment seven days after the end of their assessment period • From that point onwards they will receive their payment on the same date each month, with a cut-off date to notify DWP of changes of circumstance • If the pay day falls on weekends or bank holidays, the pay day will be advanced to the nearest working day • Amount will not vary according to number of days in month
- 9. Universal Credit entitlement UCmaximumamount Standard allowance + Housing element + Child Element / Disabled Child Additions + Childcare element (for those in work) + Limited Capability for WRA Element or Limited capability for work element + Carer Element UCEntitlement UC maximum amount – applicable capital – applicable income – earnings (taking into account disregards and tapers)
- 10. Housing element Liable rent and eligible service charges Minus Any under- occupation deduction Minus any Housing Cost Contribution (HCC) from non- dependants For social sector tenants the housing element will be:
- 12. Gareth Bevan, Policy Officer, National Housing Federation Universal Credit Twelve months in: learning from the Pathfinders
- 13. Structure of presentation • Scope of the research • Preparations • Key issues emerging from UC Pathfinders in the North West • Recommendations • Solutions • What next?
- 14. Scope of the research • Research methodology • Solely evidence from associations • Anecdotal • Limited claimant numbers
- 15. Preparations • Proactive • Reactive • Work with staff • Work with tenants • Communication • Processes
- 17. Emerging issues… Routing of claims UC HB
- 21. Emerging issues… Alternative Payment Arrangements
- 24. Recommendations • Save function • Confirmation • PBS • APAs • Data sharing
- 25. Solutions • Relationships • Regular meetings • LSSF • Processes
- 26. What next…? • Rollout plans • Ongoing research • Member engagement
- 27. Contact Pippa Bell pippa.bell@housing.org.uk 0207 067 1174 @natfedPippa Gareth Bevan gareth.bevan@housing.org.uk 0161 873 9449