If you’ve recently become unemployed or part of the 16% who need help to cover some of their costs, you’ve probably looked into applying for Universal Credit.
But, can Universal Credit be backdated?
Let’s find out.
You may backdate your Universal Credit payment up to a month prior to your claim.
You’re required to provide a reasonable cause for not submitting a claim sooner. If you’re applying as a couple, both parties must have a good reason to receive permission for backdating.
Valid Universal Credit backdated reasons include:
You can apply to get a backdated Universal Credit online or via the Universal Credit helpline. Phone applications are usually reserved for people who don’t have access to a computer or have difficulties reading or writing.
Regardless of the channel you choose, you’ll be asked to provide your bank information or credit union account details, phone number, or email address.
Universal credit backdating regulations dictate that an applicant has to prove their identity by providing identification documents, such as a passport, a driving licence, a debit or credit card, a payslip, or P60.
You’ll then have to provide information about your housing, rent, your earnings, savings as well as childcare costs.
If you qualify to receive a Universal Credit backdated payment, you should start getting payments up to five weeks after your application has been approved. This backdated payment is also called an “advance” payment and in most cases, the recipient has to pay it back, though there is no interest on it.
The amount of Universal Credit you will receive is determined by your assessment period, income, and circumstances. Working hours do not affect Universal Credit eligibility, which means you can work and receive payments, but they can affect the amount.
All applicants receive letters that inform them whether their request for backdating was approved.
If they backdate your claim, the letter will state when and how much you will receive, as well as when and how you will be paid. If your application was rejected, the letter will provide a reason for the decision and what you can do to challenge it.
Universal Credit is a type of benefits payment that can provide financial assistance to those who are out of work, can’t work, or have low income. If you need an urgent payment and wonder “can Universal Credit be backdated?” the answer is yes, though you will need to provide a good reason to get it.
My name is Marija, and I'm a financial writer at DontDisappointMe. Although finance might not be everyone's cup of tea, my 10+ years of working in one of the biggest banks in my country, and my interest in extensive research on everything finance/investment-related, have made me somewhat of an expert in the field (if I do say so myself). No longer having the passion to work in a corporate setting, I decided that I couldn't let all of this knowledge go to waste so I started writing. And, here I am! Today I try to share my knowledge with my audience in the hopes of making this topic as simple and interesting as possible. In my leisure time, I like spending time with my family and travelling to new locations.