Universal Credit Services

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Universal Credit Application Support

We are helping clients navigate the Universal Credit application process, ensuring they provide accurate information about their earnings, savings, and other circumstances to maximize their entitlements.

Universal Credit for Couples

We are offering guidance on how couples' claims are calculated, particularly if one partner is working and the other is not, or if their earnings fluctuate. Helping them understand how joint income affects overall entitlement.

Maximizing Other Benefits

Advising clients on other benefits they might be entitled to in addition to Universal Credit, such as Council Tax Reduction, free prescriptions, or Healthy Start vouchers for those with children.

Universal Credit Disability Elements

For those with a disability or long-term health condition, you may be entitled to additional support through Universal Credit. This includes:

Limited Capability for Work (LCW)

If the client is assessed as having a limited capability for work, they will not be required to look for work but may still have to prepare for future employment.

Limited Capability for Work and Work-Related Activity (LCWRA)

If the client has a severe disability or health condition that makes work impossible, they could be placed in the LCWRA group, which provides an extra element in their Universal Credit payments. This group does not require work-related activities, and the client receives an additional monthly amount to support their living costs. Our accountants can assist the clients in understanding their eligibility for these elements, explaining the assessment process, and preparing for the Work Capability Assessment (WCA), which determines their classification.

Personal Independence Payment (PIP) Advice

Personal Independence Payment (PIP) is a separate benefit that provides financial support to individuals with long-term disabilities or health conditions that affect their ability to perform daily activities or get around. It is not means-tested, so it doesn’t depend on income or savings. Key aspects include:

Daily Living Component

For those who need help with everyday tasks (e.g., dressing, cooking, managing medications), PIP can provide a standard or enhanced payment depending on the level of care required.

Mobility Component

For individuals with mobility issues, PIP provides additional financial support based on their ability to move around independently. We can help clients understand how to apply for PIP, what documentation is needed, and guide them through the assessment process. If they are already receiving PIP, we can also explain how this interacts with their Universal Credit entitlement.

Maximizing Benefits for Disabled Clients

Helping clients understand how PIP and Universal Credit work together is crucial. Clients who qualify for PIP or are in the LCWRA group often receive higher Universal Credit payments due to:

Exemption from the Benefit Cap

Clients who receive PIP are exempt from the Benefit Cap, meaning there is no limit to how much they can receive in Universal Credit.

Work Allowance

If the client is working, the work allowance in Universal Credit is higher for those receiving PIP or classified under LCWRA, allowing them to earn more before their benefits start to reduce.