Universal Credit: Insight into how the procedure for the system works in 2020 | Personal Finance

This episode focused on Liverpool, which is a big city for Universal Credit. There are around 45,000 people in Liverpool on Universal Credit, with a further 2,000 people signing up to moving over from the old benefits system. One in twenty are completely out of work. In this episode, we got to see how the Universal Credit system effects certain claimants, including Susan a former nursery school cleaner.

Related articles

Universal Credit: Can it be used for rental payments Universal Credit and Housing Benefit 2020 rates confirmed by MPs


Universal Credit: Man left homeless amid struggle on £262 a month

Susan, 61, sat down with her Universal Credit coach Alison to discuss her circumstances.

Susan made her claim as she lost her job as a cleaner, having been made redundant.

As she went through the procedure it became clear to see that it can be a stressful experience.

She is questioned on what she’s been doing since being made redundant and she is asked for details on her job search.

READ MORE: Universal Credit UK: Roll out delayed- what has DWP said about movement to payment?

Stressful procedure

The procedure for Universal Credit can be very stressfull (Image: GETTY & BBC)

State cuts

State cuts have made the process even more difficult (Image: GETTY)

Clearly frustrated, Susan detailed: “They’re not paying me money you know, job searching is stressful”.

Alison detailed that job hunting is necessary as it is treated like a full time job.

Thirty five hours a week of job searching needs to be completed for the benefit to be paid.

Alison tried to reassure Susan that it’s not meant to feel like you’re just sitting at a desk for 35 hours but Susan, riddled with anxiety, interrupted: “But that’s how it feels.”

How Universal Credit works for self-employed people – how does it affect income? [EXPLANATION]
Universal Credit: Government loses appeal against claimants with severe disabilities [STORY]
Universal Credit warning: Your payments could be stopped if you don’t do this one thing [WARNING]

Related articles

Universal Credit: Inquiry into economics of benefit launches Universal Credit Money Manager tool: how does it work?

Viewers are brought into Susan’s home as she details what her life is like. After her rent is paid, she is left with just over £317 to last her.

She jokes: “I can’t afford a haircut at the moment.

“I’ve been unemployed in the past and it was so so different I couldn’t tell you, but now it’s all been made into one you just don’t know where you’re at. There are so many things you’ve got to do and it’s just so much pressure.”

Universal Credit

Universal Credit has had a controversial rollout (Image: EXPRESS)


Universal Credit processes under fire in new BBC documentary – video

Eventually, Susan gets some good news. She received a call from the job centre detailing that they’ve found her work, but it’s only for 10 hours, 25 short of the amount she’ll need to completely come off the benefits.

Despite this, she is optimistic as she exclaimed: “It’s the first step of getting off Universal Credit”.

As she heads to the interview she is clearly nervous and it’s here where a lot of modern plights are revealed. During the interview, the employer revealed that the minimum wage is paid and it is for 10 hours maximum.

The meeting seems relatively brief but Susan receives a call a few days later revealing that she got the job. Her optimism shined through again: “I’ve got the job I just need to get my mojo back you know, it’s only 10 hours so if I could only get 25 hours more, you know, bye bye job centre”.



Unexpected unemployment could force a lot of people into Universal Credit (Image: GETTY)

From the job centre workers’ perspective, it’s clear to see that there’s issues for the internal system too. As a senior worker puts succinctly: “The system is in flux”

It’s revealed that £37billion has been cut from the welfare budget since 2010. While the staff are just about managing with the workload, it’s clear that operations are crumbling, especially for the local area which merged three job centres into one due to cuts.

It is almost ironic as the staff start giving their views on what’s happening. When asked what she would do in the same circumstances, Alison detailed that she would continually look for work but would likely take anything she could.

She detailed that there are plenty of people who are happy to clean toilets and she would rather do that than be on Universal Credit. Others within the system may not have a choice as a veteran public servant detailed that there are people working within Universal Credit Offices who also need to claim.

Universal Credit: Inside the Welfare State continues on Tuesday 18 on BBC Two at 9pm.