New campaign calls on UK government to guarantee essentials

Today, The Trussell Trust, have  launched a new campaign, Guarantee our Essentials, in partnership with the Joseph Rowntree Foundation (JRF), calling on the UK government to enshrine in law the amount people need to ensure the basic rate of Universal Credit at least covers the essentials.

Universal Credit should offer support to anyone in need of help. But there’s now a significant gap between living costs and the income Universal Credit provides, according to calculations. Rates are also not based on what people need and how much essentials such as food, household bills and travel cost, which is driving increasing levels of hardship and pushing people to food banks, with 90% of low-income households on Universal Credit going without.

“People that need our food bank just don’t have enough money to live on. Once they’ve paid their rent they have very little left for their utility bills and to pay for food. For instance, one person we’re supporting, after she’s paid her rent, then has £109 to spend in a month on food and utility bills – which is just not enough. That’s the main driver to our food bank.”

Linda, Abergele Foodbank Funding Manager

More and more people agree this is unacceptable

The campaign launches as new research reveals 66% of people think the basic rate of Universal Credit is too low, as well as 67% saying they didn’t think they’d be able to afford the essentials if they were on Universal Credit.

With almost three quarters of the general public supportive of the Essentials Guarantee, and more and more people being left with no option but to use a food bank, it’s time for the UK government to guarantee our essentials.

Get involved

We can’t always deal with what life throws at us on our own, so we need to have a system that supports us all to afford the essentials if we face hard times.

Find out more about the Essentials Guarantee, and how you can get involved

Room to Grow: Removing barriers to training for people on universal credit

New research from The Work Foundation focusing on job insecurity, with policy recommendations for the DWP. 

Room to Grow: Removing barriers to training for people on universal credit

Conditionality requirements that people who receive Universal Credit (UC) must comply with can significantly limit their availability to engage with training, due to job search activity they are required to complete each week. These obligations also interact with a range of personal circumstances that people on UC will hold, such as childcare or caring responsibilities, which again can create barriers to training and development activity.

Through qualitative interviews with people who are interested in training and also in receipt of UC, this research sought to explore how the welfare system impacts on access to training opportunities.

Universal Credit requirements impairs training possibilities

Some of the people we spoke to faced a requirement to conduct job search activity for 35 hours a week. This impacted on their ability to undertake training, and resulted in being unable to attend parts of courses they were already engaged in.

For people with caring responsibilities or part-time jobs, it was especially difficult to fit training courses around these commitments. Those with mental and physical health conditions also found it difficult to take part in training while completing their work search activity.

Transactional relationships with Work Coaches limit support to build new skills

People on UC often struggled to build a supportive relationship with their Work Coach. Often people experienced a change in the Work Coach they reported to and struggled to establish a trusting relationship.

Also, too often, people on UC needed to research training opportunities and eligibility independently. Work Coaches were often unaware of key skills initiatives available.

Parents are struggling to take up training opportunities without access to affordable and flexible childcare

Nine of the 16 people interviewed were mothers with children and a key theme that emerged through their interviews was that a lack of affordable childcare made it difficult or impossible for some people to access training courses, especially where they had conditionality and part-time work to balance, leading to a case of someone not being able to attend a training course that was paid for.

Policy recommendations 

The Department for Work and Pensions should:

  • Allow anyone receiving benefits to study part or full-time for at least one year, with the potential to extend. Conditionality requirements should be adjusted to account for time spent studying to allow students to fully benefit from taking part.
  • Provide clear information about the ways people can study while getting UC, as well as funding available to help cover course fees and other costs associated with taking part in training.
  • Create opportunities for people on UC to discuss and explore any interests in accessing training with their Work Coach at any point throughout their claim. This should trigger a training-focused meeting and potentially signposting to the National Careers Service. Work coaches should agree and document any training goals.
  • Work with DfE to ensure Work Coaches have up-to-date knowledge of local skills ecosystems, labour market demand and training opportunities, including Government skills initiatives, by establishing a specialised group of career developers who would engage with and build relationships with local stakeholders and share their knowledge with Work Coaches through CPD sessions and high-quality advice.

Read the full report here

Further information:
The Work Foundation is the leading think tank for improving work in the UK. We have been an authoritative, independent source of ideas and analysis on the labour market and the wider economy for over a hundred years.


Report: Uprating Universal Credit to tackle the cost of living crisis

Report to the Centre for Social Justice
Authors: Deven Ghelani, Alex Clegg
Published: 20 May 2022

The Centre for Social Justice asked Policy in Practice to calculate the cost of three policy options to increasing Universal Credit, in order to protect low income households from high and rising inflation.

  • Option 1: Restoring the £20 weekly uplift to Universal Credit
  • Option 2: Increasing elements of Universal Credit, as though they had been uprated by 10% in April 2022
  • Option 3: Restoring work allowances to 2015 levels to help all Universal Credit households in work

Download the report

Event: Migrating to Universal Credit during the cost of living crisis
25 May, 10.30 – 11.45am

On Monday 9 May the Department for Work and Pensions resumed the managed migration of people who claim legacy benefits to Universal Credit. It is due to be completed by December 2024.

The picture is not black and white.

Nearly a million people on legacy benefits are expected to be worse off when migrating to UC, 600,000 of whom will be offered transitional protection. Conversely, DWP estimates that nearly two million working households will be £1,000 a year better off on UC. Moving to Universal Credit is a complex subject and local authorities and advice organisations are preparing to help people who are uncertain about how it may affect them.

Join this webinar to learn:

– Who should move to Universal Credit now via natural or voluntary migration

– What transitional protection is and who should wait for it to be offered

– What other factors people and the organisations who support them should consider when making the move to Universal Credit

Register for free now

Resolution Foundation Report: To govern is to choose

As part of today’s event delivered by the Resolution Foundation the following report has been released; 

The Chancellor’s Autumn crunch: Assessing the key economic decisions to come

Full event details can be found here

Watch the event again here (YouTube)

Read the report ‘To govern is to choose: The choices facing the Chancellor this Autumn’ here. 

Further information: 

The Resolution Foundation is an independent think-tank focused on improving living standards for those on low to middle incomes. We work across a wide range of economic and social policy areas, combining our core purpose with a commitment to analytical rigour. These twin pillars of rigour and purpose underpin everything we do and make us the leading UK authority on securing widely-shared economic growth.

The Foundation’s established work programme focuses on incomes, inequality and poverty; jobs, skills and pay; housing; wealth and assets; tax and welfare; public spending and the shape of the state, and economic growth.


Universal Credit: Claiming during the coronavirus pandemic

National Housing Federation logo

The National Housing Federation (NHF) recently conducted a large survey of housing association tenants detailing their experiences claiming Universal Credit during the coronavirus pandemic. The survey found positive experiences of the system and service, but overall, the picture was very mixed, with some people clearly struggling.

The report highlights the findings of the survey and covers the claimant journey, the impact of claiming on people’s lives, employment, experience of the Universal Credit service, and what more housing associations can do to support tenants. They also made a series of recommendations for the government, the Department for Work and Pensions (DWP), and housing associations.

The survey ran in spring 2021 and gathered responses from 3,520 tenants claiming Universal Credit across eight housing associations.

Key findings

  • Overall, respondents generally found keeping up to date with their claim online easy and many were grateful for the financial support. Just over half of people generally agreed that Universal Credit is enough for the basics (53%, n=3,050).
  • While the NHF cannot say Universal Credit causes hardship, there was evidence of real strain on finances and health and wellbeing:
    • 84% (n=3,007) of respondents needed financial help, such as loans, while claiming and over a third said they always run out of money before their next payment.
    • 79% (n=2,989) of respondents reported that they had struggled to pay for at least one essential item when claiming, with 43% saying they struggled to pay for food.
    • One in ten respondents said hardship on Universal Credit had given them a health condition. People also reported high levels of anxiety with 19% (n=2,980) rating themselves as completely anxious yesterday.
  • There was a mixed experience with the Universal Credit service with 48% (n=2,956) of people reporting they were broadly happy. Service experience may be linked to staff, mistakes with a claim or a lack of flexibility to individual circumstances, as well as whether people are better or worse off when compared to legacy benefits.
  • Housing associations can exacerbate stress relating to claiming through notices of rent arrears.

Recommendations for the government and the DWP

  • The government must not cut £20 per week of people’s Universal Credit from October 2021. The NHF’s survey shows evidence of real financial strain with many people unable to afford the essentials.
  • The government should end the five-week wait for first payment. Two in three respondents did not have money to cover the wait and it pushed some people into debt from which they haven’t recovered.
  • The DWP should review advances and deductions to ensure people can meet their own basic needs and their obligations to creditors. It should also review application of the benefit cap and removal of the spare room subsidy.
  • The DWP should extend the circumstances that allow a backdating of claims to the point of entitlement.
  • The DWP should consider compensating people who claimed the benefit when it was first introduced due to the longer wait for payment and no legacy benefit run-on. Respondents reported having still been in debt years after the wait for their first Universal Credit payment.
  • The DWP should invest in further staff training and case monitoring to ensure a consistent level of service for claimants.
  • The DWP should review reporting of annual rent updates. Many respondents found updating this difficult and wanted their housing association to do it on their behalf, given they had to verify costs.

Considerations for housing associations

  • It is recommended that housing associations advertise the welfare service they offer, or links to other services, more widely as most people were not aware or had not spoken to their housing association about their claim.
  • Housing associations should continue taking supportive approaches to income collection to reduce anxiety and help claimants to manage their finances

TUC says universal credit cut will hit millions of working families and key workers

Francis O'Grady from TUC speaking at a conference
  • Union body publishes regional and constituency impact on working families of slashing universal credit  
  • Most families hit by £1040 pa cut are in work, say anti-poverty campaigners 
  • Many of those affected by cut will be key workers, warns TUC 
  • Cutting universal credit is “levelling down” 

The TUC has today (Friday) warned that millions of working families – and many key worker households – will be worse off as a result of the government’s planned cut to universal credit. 

New analysis published by the union body reveals the regional and local impact cutting Universal Credit will have on low-paid workers – even in wealthier constituencies like the chancellor’s and prime minister’s. 

Majority of those hit by autumn cut are working families  

2.3 million workers in the UK are currently receiving universal credit – the equivalent of around 2 in 5 (38%) of all universal credit recipients. They will all be hit by the £20pw cut.  

However, the working tax credit is also being cut, having also been raised by £20pw in early 2020.  

So the majority of those affected by the £20pw cut to benefits this autumn will be families who are working, according to the Joseph Rowntree Foundation (JRF). 

The TUC says low-paid key workers will be among those worst affected.  

TUC research published last week showed that one million children in key worker households are currently growing up poverty – with many currently receiving in-work benefits like universal credit. 

Local breakdown 

Today’s analysis breaks down the number of people receiving universal credit by nation, region and local constituency. 

It shows that even in wealthier parts of the UK the cut to universal credit will impact heavily on low-paid workers. 

For example, in the Chancellor Rishi Sunak’s constituency (Richmond) nearly half (48%) of people currently receiving universal credit are in work – with 3,025 workers in the constituency depending on it. This number will only grow as more families transfer over from the working tax credit. 

And in Prime Minister Boris Johnson’s constituency (Uxbridge) around two-fifths (38%) of universal credit recipients are currently in work – with 3,665 workers in his constituency depending on it. This number will grow as more families transfer over from the working tax credit. 

Vital lifeline 

The TUC says the £20 increase in universal credit has been a “vital lifeline” for low-paid workers – and that reducing a crucial in-work support will push more families below the breadline.   

The TUC says a decent social security system is also essential for helping those who lose their jobs get back on their feet and back into work. 

In addition to stopping the planned £20pw cut to universal credit, the government must increase the minimum wage to £10 an hour and urgently bring forward an employment bill to tackle insecure work, says the union body. 

TUC General Secretary Frances O’Grady said:  

“Everyone should have enough money to live on. 

“But if the universal credit cut goes ahead millions of working families – and key workers – will be forced to get by on much less every week. It is levelling down – not levelling up.   

“Ministers should abandon this cruel cut that will hit low-income working families. We need a social security system that helps people get back on their feet – not one that locks them in poverty. 

“And we need decent jobs on decent pay for every worker, in every part of the country.  

“That means increasing the minimum wage, investing to create good green jobs and tackling the scourge of insecure work. Cutting universal credit isn’t the way to achieve decent work.” 


Notes to editors: 

Number of workers receiving universal credit by nation and region (excludes those to be transferred over from the working tax credit) 

TUC analysis of Stat Explore data using May 2021 data 

 Source: TUC analysis of Stat Explore data using May 2021 data 


TUC press office 
020 7467 1248  


UK heading for the biggest overnight cut to the basic rate of social security since World War II – JRF warns MPs at the start of summer break

money picture notes and coins

Government plans to cut Universal Credit by £20-a-week in October will impose the biggest overnight cut to the basic rate of social security since the foundation of the modern welfare state, according to analysis by the independent Joseph Rowntree Foundation (JRF).

This historic cut to the incomes of around 6 million families is scheduled in law for 6 October 2021 and will coincide with the final day of Conservative Party Conference.

As ministers and MPs go for their summer break, there are 5 facts about the impact of this cut which they should consider:

  • The Government would be responsible for the biggest overnight cut to the basic rate of social security since the birth of the modern welfare state. This will be a huge shock for millions of people on low incomes who will have £20 less to spend each week.   
  • Half a million more people are set to be pulled into poverty, including 200,000 children.
  • Working families make up the majority of families who will be affected by the cut to Universal Credit and Working Tax Credit.
  • Families with children will be disproportionately impacted. Around 6 in 10 of all single-parent families will experience their income falling by the equivalent of £1,040 per year because of the cut in UC or WTC. 
  • Despite a commitment to ‘levelling up’ the impact of the cut will be the greatest across the North of England, Wales, the West Midlands and Northern Ireland.

New analysis from JRF on the adequacy of working-age social security used a range of illustrative families to demonstrate how adequacy has changed for different households over time. In their illustrative family with three children, where one adult is working full-time, and the other is working part-time (living in Kernow West, a medium cost area):

  • In 2013/14, they would have been £271 a month above the poverty line.
  • Cuts and freezes in the decade leading up to the pandemic eroded their income, so that even with the £20 increase in 2020, they are now below the poverty line.
  • If it the cut goes ahead, they will be a huge £150 per month below the poverty line.

Particularly worryingly, the analysis found that the planned cut would leave an illustrative single adult who loses their job, destitute – the most extreme form of poverty.  

The Poverty Alliance recently submitted a Freedom of Information request asking the Government to disclose any analysis that it has undertaken on the potential impact of the £20-a-week cut to Universal Credit. The Department for Work & Pensions deemed the disclosure of the information to not be in the public interest. This is in spite of the fact that:

  • When we entered the pandemic, the main rate of out-of-work support was at its lowest level in real terms since around 1990 and its lowest ever as a proportion of average wages. At the same time, support for families in work had been eroded, causing a rise of in-work poverty.
  • The cut is opposed by six former Conservative Work & Pensions Secretaries, the Northern Research Group of Conservative MPs, the One Nation Group of Conservative MPs, numerous cross-party committees in all nations of the UK and a huge coalition of charities and community groups.

It is important to note that around 2 million people claiming legacy benefits – Jobseeker’s Allowance, Employment and Support Allowance and Income support – have wrongly been excluded from this vital improvement in support. The £20 increase should be extended to people on these benefits which are mainly claimed by sick or disabled people and carers.

Katie Schmuecker, Deputy Director of Policy and Partnerships for the independent Joseph Rowntree Foundation said:

“Universal Credit has been a lifeline that has helped keep millions of heads above water, but the new analysis should act as a stark warning of the immense, immediate and avoidable consequences of what amounts to the biggest overnight cut to the basic rate of social security since the Second World War.

“We all accept governing is about priorities but cutting the incomes of millions of the poorest families and sucking money out of the places in which they live, flies in the face of the Government’s mission to level up our country. This is not about generosity, it’s a matter of investing in families so they have the dignity of being able to meet their needs and supporting everyone in and out of work to escape poverty.

“The public deserve to know what the Government expects the impact of this cut to be. Ministers cannot hide the fact that they are ploughing ahead with a cut despite knowing it will be devastating for millions of families. They should publish their analysis on the impact of the cut as soon as possible.”


JRF Media Relations | | 01904 615958

Calum Masters | | 07976 435559

Notes to Editors

  1. How has JRF worked out ‘the biggest overnight cut to the basic rate of social security since the foundation of the modern welfare state’ statement? We have reviewed officially published data on rates of benefits stretching back to 1948 (when the Beveridge system was introduced), in particular, the main element of support for a single adult aged over 25 who has lost their job. It is possible that the cut this October could be the biggest cut ever, though we have not looked in detail at the period before 1948.
  2. JRF has published a new briefing on the adequacy of social security.
  3. Last week, JRF published new research showing the cut to Universal Credit would reduce the value of out-of-work benefits to their lowest recorded levels relative to what the public thinks is an acceptable income.
  4. Even prior to the pandemic, around 2.4 million people experienced destitution in 2019 (up 54% since 2017), including 550,000 children (up 52% since 2017) with inadequate benefit levels and debt deductions under Universal Credit cited as a leading cause. This highlights the need not to repeat the mistakes of the past by cutting social security again. (JRF, 2020)  
  5. The Joseph Rowntree Foundation is an independent social change organisation working to solve UK poverty. For more information visit 

Thousands could fall into Government debt ‘trap’ warns The Salvation Army


The Salvation Army is calling for the Government to include Universal Credit Advance Payments in its Debt Respite Scheme.

The Scheme is a 60-day ‘breathing space’ where enforcement action from creditors will be paused for people with problem debt. However, Government loans, including Advance Payments for Universal Credit (UC) claimants, are not included. Many rely on these loans to make ends meet while their claim is processed and the repayments are automatically deducted.

Between March and September 2020, over one million UC Advance Payments were made. The Salvation Army is concerned that many will have struggled to eat or heat their homes while they were repaying this Government debt.  As unemployment is expected to keep rising, the Government is being urged to act now to protect more UC claimants from this debt trap.

Man is worried in front of children

A new Salvation Army report, ‘No One Left Behind’, shows how deep Covid-related debt is set to become and how vulnerable people are most at risk. The report analyses calls to our debt advice lines and finds that of those who accessed the service:

  • People on low incomes have increased their level of debt by 191% [1]
  • Full-time workers have an average debt of over £13,000 [2]
  • Private tenants experienced a 43% increase in debt levels at the peak of the pandemic [3]

The organisation has written a letter urging the Economic Secretary to the Treasury, John Glen, to refocus the Government on supporting people to pay back debt rather than automatically deducting money which many will struggle to pay. The letter has been co-signed by 16 partner organisations*.

The research in our report shows a worsening of people’s debt, which paired with job losses or reduction in income, is putting them at real risk of poverty.

Lorraine Cook, Financial Development Inclusion Manager at The Salvation Army

Lorraine Cook, The Salvation Army’s Financial Development Inclusion Manager said: “It’s the very vulnerable we are most concerned about. The people queuing outside our foodbanks because they can no longer afford to eat are those most likely to rely on Universal Credit Advance Payments to get by. The moment someone has an unexpected payment like a boiler repair or a new pair of trainers for their child, is where repaying this debt can become unmanageable.

“Our Debt Advice Centres have experienced an increase in the number of people seeking our support. The research in our report shows a worsening of people’s debt, which paired with job losses or reduction in income, is putting them at real risk of poverty.

 “Banks and credit card companies will be forced to give much needed space to people struggling with debt and yet the Government can continue to take significant portions from people’s income without respite.

 “The Government should be less focused on collecting money and instead help people manage their finances by highlighting the professional support available from debt support services”.

Whilst the Government has indicated that it is planning to include Advance Payments in the Debt Respite Scheme, due to IT constraints, they will be included on a ‘phased basis’ and no specific timeframe has been given. The Salvation Army is concerned a significant delay means thousands will be pushed into debt before then.  

No One Left Behind

Making debt support work for people on Universal Credit.



Additional information

[1] The average debt for those on low incomes from June – August was £3,552 – up from an average of £1,220 from December – February.

[2] From December – February debt held by those working full-time averaged £8,926 per person. This increased to £13,380 per person from March – May.

[3] In December – February this group’s total debt averaged £10,183 per person. From March – May this average increased to £14,549 per person.

* Partner organisations

  • Advice UK
  • Bournemouth Churches Housing Association
  • Enham Trust
  • Entitledto
  • Fedcap Employment Limited
  • Friends of Stour Connect
  • Get Ready for Work
  • Groundwork
  • Integrate
  • Landau
  • Longhurst Group
  • National Association of Welfare Rights Advisers
  • Quaker Social Action
  • The Women’s Organisation
  • Unison
  • Z2K

Face-to-face health assessments for benefits suspended amid coronavirus outbreak


Claimants on disability benefits will no longer be required to attend face-to-face assessments. The change also covers health checks for Universal Credit.

From Tuesday 17 March, face to face assessments for all sickness and disability benefits have been suspended for 3 months. 

In summary the following is happening:

  • Face-to-face assessments for all sickness and disability benefits will be suspended for the next 3 months effective on Tuesday 17 March 2020.
  • This is being taken as a precautionary measure to protect vulnerable people from unnecessary risk of exposure to coronavirus as the country’s response ramps up in the ‘delay’ phase.
  • We will ensure those who are entitled to a benefit continue to receive support, and that new claimants are able to access the safety net.
  • It affects claimants of Personal Independence Payment, those on Employment and Support Allowance and some on Universal Credit, and recipients of Industrial Injuries Disablement Benefit.
  • The suspension of face-to-face assessments also covers new claims to those benefits.
  • Anyone who has a face-to-face assessment appointment scheduled from Tuesday 17 March onwards does not need to attend and will be contacted to discuss next steps and alternative arrangements, which could involve either telephone or paper-based assessments.
  • We expect this measure will be in effect for the next 3 months but we will be regularly reviewing the position in line with Public Health advice.
  • No further action is required by any claimant as a result of this change. They will be contacted with advice on next steps.

You may find the following links helpful:

DWP press release regarding this announcement:

The current NHS guidelines on coronavirus, including advice on those who should stay at home.

Coronavirus (COVID-19): UK government response:

Please share this information about the suspension of assessments with your members, audiences, local networks and branches using your own channels whether that is a newsletter, email update or on social media.

Supporting Londoners on Universal Credit – views requested

Greater London Authority

As Universal Credit (UC) continues to be rolled out in London, many voluntary and community sector organisations are working hard to deliver the right support for their beneficiaries. Together with others, the Greater London Authority (GLA) has identified many challenges – especially for disabled Londoners. This work is aimed at identifying those gaps so that the GLA can help the sector to better support their beneficiaries claiming UC.   

We would be grateful if you could complete this survey – it should take about 10 minutes – and/or pass it on to any other relevant organisations in London. We would also be grateful if you could pass the survey on to your local network, as we are keen to learn about how community organisations support people claiming Universal Credit in different London boroughs.  It’s probably best for someone with operational insight to complete it.   

Your answers will be used to inform the GLA’s support for the voluntary and community sector supporting disabled Londoners. 

Please contact Dalia Ben-Galim at if you would like more information and / or a different format. 

The survey will close on Friday 14th February.  

Further information:

Low Income Londoners Project

Equality and Fairness Team