Low Paid

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If you have a low income from work then this page will give you more information on how the new benefit changes may affect you including Universal Credit. This page includes information about how help with housing costs is changing and what to do if something goes wrong with your claim.

Tax Credits

This website does not include any specific articles about Tax Credits and Welfare Reform. If Tax Credit claimants need advice they should refer to the article Where to get advice.

Where to get adviceInformation about where to get face to face advice on benefits and financial issuesFind out more...

Universal Credit

Some information here

Bedroom TaxInformation about the Bedroom Tax which explains how it works, who it applies to and what you can do if you are affectedFind out more...
Housing Costs under Universal Credit if you live in rented AccommodationInformation about how you will get help with your rent when you claim Universal CreditFind out more...
Where to get adviceInformation about where to get face to face advice on benefits and financial issuesFind out more...
Your Responsibilities If You Get Universal CreditInformation about what you are expected to do if you claim Universal Credit. Payment can be affected if you do not meet these conditionsFind out more...

Housing Benefit

Housing Benefit (HB) is a benefit paid by the local authority to meet the cost of rent either in full or in part. People who get Universal Credit (UC) will have their housing costs paid as part of that benefit. There are a number of reasons why the level of HB and UC paid is less than the level of rent and these are explained in the article HB and UC housing costs restrictions. These reasons include the Bedroom Tax,  and Housing Costs Contributions and Non-Dependents. These articles suggest ways of tackling these problems but failing this claimants may want to consider asking for a Discretionary Housing Payment. If you need help with any aspect of claims for these benefits see the article Where to get advice.

Bedroom TaxInformation about the Bedroom Tax which explains how it works, who it applies to and what you can do if you are affectedFind out more...
Discretionary Housing PaymentInformation about Discretionary Housing Payment and how to claim thisFind out more...
Housing Benefit and Universal Credit Housing Cost RestrictionsInformaiton about Local Housing Allowance and rent restrictions for people who are under 35Find out more...
Housing Costs Contributions and Non-dependentsInformation to explain how much other people living in your house are expected to pay you towards the rent or mortgage and how this will change under Universal Credit Find out more...
Where to get adviceInformation about where to get face to face advice on benefits and financial issuesFind out more...

Something Wrong With Your Claim?

This section of the website gives advice on some of the most common crisis situations arising for low paid people due to welfare reform. If you are left without any income some solutions are suggested in the article What to do if you have no income? If you wish to dispute a decision that has been made against you, you will need to go through the Mandatory Reconsideration process. If you need help with any situation when something has gone wrong see the article Where to get advice

Mandatory ReconsiderationAn explanation of Mandatory Reconsideration the first stage of disputing a decision that has gone against you and how to make it work to increase your chances of successFind out more...
What To Do If You Have No Income?Information about the main reasons you may have no income and suggestions of what you can do depending on your cirucmstancesFind out more...
Where to get adviceInformation about where to get face to face advice on benefits and financial issuesFind out more...