The Department for Work and Pensions (DWP) has confirmed that couples aged 25 or over living together will receive a standard monthly payment of £628.10 under Universal Credit. This payment is part of the government’s financial support system designed to provide assistance to eligible claimants based on their personal and household circumstances.
Understanding this payment is essential for anyone considering or currently receiving Universal Credit. This article will break down what the £628 payment means, who qualifies, how the payment is structured, and practical advice on managing and maximizing benefits. The goal is to make this complex topic easy to understand for everyone — from a 10-year-old to professionals involved in social work, finance, or policy planning.
DWP Confirms £628 Monthly Payment for One Group
| Aspect | Details |
|---|---|
| Monthly Payment for Couples 25+ | £628.10 |
| Single Claimant (25 or over) | £400.14 |
| Couples Under 25 | £497.55 (for both) |
| Single Under 25 | £316.98 |
| Payment Frequency | Monthly |
| Includes Additional Elements | Possible (childcare, disability, housing) |
| Reporting Requirement | Must notify DWP of changes in partner or income |
| Official Universal Credit Information | GOV.UK Universal Credit |
The confirmed £628 monthly payment for couples aged 25 or over under Universal Credit represents a foundational support designed to ease living costs for those with low or no income. Understanding the eligibility criteria, payment structure, and reporting requirements helps claimants make the most of this benefit.
Whether for individuals new to Universal Credit or professionals assisting clients, knowing the basics and practical steps can simplify benefit claims and ensure rightful support is received promptly and accurately.
What Is the £628 Monthly Payment?
The £628 figure corresponds to the standard allowance part of Universal Credit paid to couples who are both aged 25 or over. Universal Credit is a monthly payment aimed at helping with living costs for people on low income or out of work.
This amount is not a bonus or a one-time payment but a regular monthly entitlement that forms the base of a Universal Credit claimant’s support. The exact amount others receive can vary according to age, living situation, and additional circumstances like disabilities or childcare needs.
Why £628?
The government sets different Standard Allowance rates for Universal Credit depending on claimants’ age and whether they are single or in a couple. For couples where either partner is 25 or older, the rate is £628.10 per month. For instance:
- A single person aged 25 or over gets £400.14.
- Couples both under 25 get £497.55 together.
- Single individuals under 25 receive £316.98.
Therefore, the £628 payment targets a specific group and reflects their recognized additional financial needs.
Who Qualifies for the £628 Payment?
To qualify for the £628 monthly Universal Credit payment, claimants must:
- Live with a partner (couples claim).
- Be aged 25 years or older (either partner).
- Have a low income or be out of work.
- Have savings below £16,000 (with specific deductions between £6,000 and £16,000).
In other words, the claim must be made jointly for couples living together, regardless of marital status (married, civil partnership, or cohabiting). The age threshold of 25 and above is a key factor for this payment bracket, with different rates applicable to younger claimants.
How Is the Payment Calculated?
The £628 is a standard allowance, which is the core amount for eligible households. However, this amount can change based on:
- Additional amounts for children, disabilities, or caring responsibilities.
- Housing costs support.
- Income earned from work.
Claimants receive the standard allowance plus extra elements depending on their individual situations. For example, if the couple has children, they may get child elements added on top of the basic £628. Likewise, disabilities or care roles attract additional payments.
If claimants work and earn money, the Universal Credit payment reduces gradually, depending on how much they earn. This design helps ensure support while encouraging work.
How to Apply and Report Changes
Joint claims must be submitted online through the Universal Credit portal. The first individual creates an account and shares a partner code with their partner to link claims correctly. Once linked, the claim should be submitted within 28 days.
Claimants should immediately report any changes in their circumstances to DWP to avoid overpayments or penalties. This includes changes like moving in with or separating from a partner, changes in income, or changes in childcare needs.
Practical Advice for Claimants
- Check Eligibility Early: Use official benefits calculators available on GOV.UK or through advice services.
- Keep Documentation Ready: Proof of rent, income, savings, and partner information is critical.
- Report All Changes Promptly: Notifications ensure payments reflect current circumstances.
- Seek Support if Needed: Local Jobcentres, Citizens Advice, or other welfare advisors offer guidance.
- Understand Additional Elements: Know which extras apply to your situation beyond the standard allowance.
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FAQs About DWP Confirms £628 Monthly Payment for One Group
Q1: Can I claim Universal Credit as a single person and get £628?
No. The £628 monthly rate applies only to couples where either partner is 25 or over. Single claimants aged 25 or above receive £400.14.
Q2: What if my savings exceed £6,000?
Savings above £6,000 reduce your Universal Credit by a specific formula; over £16,000, you won’t qualify.
Q3: Can I work and still receive Universal Credit?
Yes. Universal Credit payments reduce gradually as earnings increase but support continues until income surpasses set thresholds.
Q4: How often is Universal Credit paid?
Payments are made monthly, usually into a bank account.
Q5: What happens if my circumstances change?
You must report changes to the DWP such as relationship status, income, or housing to update your payment correctly.
