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Universal Credit Presentation
1st September 2015
2
Welfare Reform
Our reforms will…
The Welfare Reform Act aims to introduce a simpler, fairer benefits system that helps ensure people are better off in work than on benefits.
Prepare the long-term unemployed
for the world of work
Provide unconditional support for those
who need it
Ensure people receive a fairer pension
and are encouraged to save for retirement
Help to ensure people are better off in work
than on benefits
SupportingFamilies to stay together
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Universal Credit
is at the heart of these reforms. It aims to simplify the benefits system and help and ensure
people are better off in work than on benefits while providing support for those who need it
Welfare Reform
The case for change
• There are still too many people for whom the current welfare system doesn’t work.– Weak financial incentive in the current system– Risks to household and income due to both moving into, and potentially
back out of, work
• Universal Credit has been introduced to tackle the structural problems which persist in the legacy welfare system.
• By creating a single system for those in and out of work, Universal Credit ensures that work pays and more work pays for everyone.– Flexibility – rules allow to resume claims easily should circumstances
change within 6 months of initially moving off Universal Credit.– Simplicity – Universal Credit removes requirement to provide similar
information to different organisations. (HMRC, LA’s and DWP)
Simplifying the benefits system
• The legacy welfare system is complex in its structure, administration and how the different qualifying conditions interact with each other.
• To simplify the legacy benefit system DWP has:– Created a new legislative framework.– Implemented a single system of means tested support.
• Universal Credit provides a new single system of means-tested support for working-age households who are in or out of work.
• All elements are assess in a single claim which removes the need to claim different means-tested benefits from different agencies.
.
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Delivering the policy - how Universal Credit is rolling out to eligible claimants
• Universal Credit rolled out in Somerset during March and April 2015.
• It rolled-out across Cornwall during May, June and July 2015.
• Universal Credit will role out across Greater Devon on 9th of November 2015.
• It will role out across Torbay and Plymouth on 25th of January 2016.
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Universal Credit is rolling out to eligible claimants
• Initially new claims can be made if the customer is single, aged 18 to 60yrs 6mths and are available for work.
• They must be a GB National normally resident in GB, have a National Insurance Number and a suitable Bank, Building Society or Credit Union account.
• Includes customers who are responsible to pay rent, except those in Supported Accommodation.
• Other exceptions apply, full details available on Gov.uk
What’s different about Universal Credit?
IT ENCOURAGES
WORK
IT’S LIKE WORK
IT’S ABOUT WORK
PAID MONTHLY
PAID DIRECTLY
CLAIMANT COMMITMENT –
LIKE A CONTRACT
IN AND OUT OF WORK
CLAIMANT COMMITMENT
REQUIREMENTS
FULL TIME WORK SEARCH
EARNINGS, NOT HOURS A SIMPLE TAPER
SO BETTER OFF IN WORK
EASY TRANSITION UC TO WORK (AND
BACK)
Universal Credit – one year on
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Local Area
Support for claimants with complex needs
BudgetingWork
OnlineHousing
Support for claimants
LA Services
National Partners
Local Partners
Jobcentre Plus
Alternative Payment
Arrangements
Moneyadvice
Financial products
Claimants managing their
money
Personal Budgeting Support - Overview
REQUIREMENT FOR A PERSONAL BUDGETING
STRATEGY IS DRIVEN BY THESE CHANGES
Personal Budgeting Support - Context
Housing costs direct to tenant
Single payment to household
Monthly Payment
We want to help people to be able
to manage their own finances successfully,
whether they arein or out of work
15
Your role
Partner
Claimant
DWPINFORMATION ABOUT
UNIVERSAL CREDIT
GOV.UK
Claimant Leaflet
Videos
Partner Toolkit
Infographics
Useful links for stakeholders
• An introduction to Universal Credit video http://youtu.be/E7GUu7Xa7Nw
• Universal Credit pages on GOV.UK https://www.gov.uk/universal-credit
• A toolkit for Partners https://www.gov.uk/universal-credit-toolkit-for-partner-organisations
• Budgeting help and support
https://www.gov.uk/government/publications/budgeting-your-universal-credit-quick-guide
• Operating Guidance for Personal Budgeting Support & Alternative Payment Arrangementshttps://www.gov.uk/government/uploads/system/uploads/attachment_data/file/181399/personal-budgeting-support-cover-note.pdf
Useful links for stakeholders
• The Money Advice Service https://www.moneyadviceservice.org.uk/en
• A Money Advice Service Universal Credit video
https://www.moneyadviceservice.org.uk/en/videos/get-ready-universal-credit
• A quick guide for employers about Universal Credit and RTI
https://www.gov.uk/government/publications/universal-credit-works-for-employers-and-claimants-quick-guide
• HMRC and RTI http://www.hmrc.gov.uk/payerti/getting-started/paye-basics/rti.htm
• Eight Ways Universal Credit can help your business
https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/307091/how-uc-can-help-your-business.pdf
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