Universal Credit and Housing Costs
Universal Credit (UC) is the main working-age benefit in England and covers a range of needs including housing costs through the housing element. For many people on low incomes or experiencing homelessness, UC is their primary source of income. However, the system has significant flaws that can push vulnerable people toward — rather than away from — homelessness.
The Five-Week Wait
One of the most widely criticised aspects of Universal Credit is the five-week wait before the first payment. When someone first applies for UC — often because they have just lost a job or experienced a crisis — they must wait five weeks before receiving any money. During this period, rent can go unpaid, and landlords may begin eviction proceedings. The five-week wait has been directly linked to increased rent arrears and homelessness.
The Housing Element Gap
The housing element of Universal Credit is supposed to cover rent, but as discussed in relation to the Local Housing Allowance, it frequently falls short of actual rental costs. In Brighton, this gap can be hundreds of pounds per month, making it impossible for many UC claimants to afford private rented accommodation. This is a structural problem that drives homelessness.
Navigating UC When Homeless
For people who are already homeless, navigating the Universal Credit system presents additional challenges. Without a fixed address, phone, or internet access, completing and maintaining a UC claim can be extremely difficult. Sanctions — where payments are reduced or stopped as a penalty for missing appointments — can plunge already vulnerable people into destitution. Support in managing UC claims is therefore a critical component of homelessness support.
How Seaside CIC Helps
Seaside CIC provides practical assistance to help people in Brighton navigate the Universal Credit system. This includes help with online claims, understanding entitlements, dealing with sanctions and appeals, and managing the housing element to maintain accommodation.
Struggling with Universal Credit in Brighton? Contact Seaside CIC for free advice and support.
