Almost 3million more people have joined universal credit since the start of the coronavirus pandemic, as a result of job losses, salary cuts and the high street lockdown.
The scheme, which rolls six benefits into one, is available as a top up to your wages or as a monthly income for those unable to cover their outgoings.
The benefit was initially introduced to help those on low incomes - but it is also available to anyone who is at risk of poverty and out of work.
In terms of savings, it won't be paid out if you have more than £16,000 in a rainy day fund (this applies per couple where relevant).
We've got a full guide on how to apply for universal credit, here.
Right now, the Government is advising anyone at risk of debt to apply for the scheme.
This includes people who have lost their jobs and self-employed workers who are experiencing a shortfall in work or have had to self-isolate. In short, anyone who is experiencing financial difficulty because of coronavirus is being asked to apply.
It can be paid in addition to mortgage holidays, water bill discounts and council tax breaks.
But what other help can you claim once you're on the new six-in-one benefit and how can you access the extra support?
Minister for Welfare Delivery Will Quince said: "These are challenging times, but claiming benefits doesn’t have to be challenging. If you need help, our staff are here to simplify the system and make sure you’re getting the right level of support.
"We are helping people to access the support they need, and Universal Credit unlocks a wide range of extra help with essential bills, such as housing, travel and childcare costs."
What help can I get from Universal Credit?
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Up to 85% of childcare costs can be reimbursed through Universal Credit. Employed claimants can claim up to £646.35 per month if you have one child and up to £1,108.40 for two or more children. For more information visit the Understanding Universal Credit website.
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You can get up to 50% off train and bus travel if you are eligible for a Jobcentre Plus Travel Discount Card. This can help you get to interviews and appointments as well as other journeys you make. Those receiving Jobseekers Allowance may also be eligible.
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Not having 'work clothes' doesn't have to stop you accepting a job . A Flexible Support Fund is available to help you cover the costs of starting work. This money does not have to be paid back, and can cover the costs of things like clothing and uniforms to start work, and travel to interviews.
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If you are having a child, you may be entitled to a one off payment known as the Sure Start Maternity Grant . Households on Universal Credit can benefit from a one-off payment of £500. This does not have to be paid back and will not affect the benefit payments you receive.
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You could save on your Council Tax bill and in some cases you may not need to pay anything at all. Depending on your circumstances and where you live you may be eligible for a Council Tax Reduction. Apply for one online at gov.uk.
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You can get help to start saving . The government’s Help to Save scheme offers people who receive Universal Credit, and some people entitled to Working Tax Credit, incentives to save anything from £1 up to £50 per month. After two years of saving, the government will give you an extra 50p for every £1 you have saved.
Applicants can get additional support with a Universal Credit application through Citizen Advice's Help to Claim service.
The charity can help with all aspects of your application, or you can visit your local Jobcentre for further support.
If you are unsure about something relating your Universal Credit claim call the DWP’s Universal Credit helpline on 0800 328 5644, or visit the Understanding Universal Credit website.
