Universal Credit for Homeless Individuals: How to Claim

Homelessness is a growing crisis in many parts of the world, particularly in urban areas where housing costs are skyrocketing and social safety nets are strained. For those without a permanent address, accessing government assistance like Universal Credit (UC) can feel impossible. Yet, financial support is often the first step toward stability. This guide breaks down how homeless individuals can claim Universal Credit, navigate the system, and secure the help they need.

Understanding Universal Credit

Universal Credit is a welfare benefit in the UK designed to support people who are unemployed, unable to work, or on a low income. It replaces six legacy benefits, including Jobseeker’s Allowance and Housing Benefit, streamlining the process into a single monthly payment.

Who Qualifies for Universal Credit?

To be eligible for UC, you must:
- Be over 18 (with some exceptions for 16- and 17-year-olds).
- Be under State Pension age.
- Live in the UK.
- Have less than £16,000 in savings (unless you’re in temporary or emergency housing).

Homeless individuals often assume they can’t claim UC without an address, but this isn’t true. The system has provisions for those without a fixed residence.

Challenges Faced by Homeless Claimants

No Fixed Address

One of the biggest hurdles is the lack of a permanent address. Many government services require one for correspondence, but UC allows alternatives:
- Using a friend’s or family member’s address (with their permission).
- Registering with a homeless shelter or charity that offers mail services.
- Using a “care of” (c/o) address at a local Jobcentre or support organization.

No Bank Account

UC payments are made electronically, so a bank account is typically required. However, homeless individuals can:
- Open a basic bank account (many banks offer these with minimal ID requirements).
- Use a Post Office card account if unable to open a traditional bank account.
- Request payments to a trusted third party’s account in exceptional cases.

Digital Barriers

UC applications are primarily online, which can be difficult for those without internet access or digital literacy. Solutions include:
- Jobcentre support – Staff can help with online applications.
- Public libraries or charities – Many offer free computer access and assistance.
- Phone applications – In rare cases, claims can be started over the phone.

Step-by-Step Guide to Claiming Universal Credit While Homeless

1. Gather Necessary Documents

Even without a fixed address, you’ll need:
- National Insurance number (if you’ve lost it, contact HMRC or visit a Jobcentre).
- Proof of identity (passport, driver’s license, or birth certificate).
- Bank details (or alternative payment method).

If you don’t have these, explain your situation to a work coach—they may still help you apply.

2. Start Your Claim Online

Visit the GOV.UK Universal Credit page to begin. If you can’t complete it in one session, save your progress.

3. Attend the Initial Interview

After applying, you’ll be asked to attend a Jobcentre appointment within seven days. If you miss it, your claim may be canceled. Explain if you’re struggling to attend—they can sometimes reschedule or offer phone appointments.

4. Verify Your Identity

If you lack traditional ID, the Jobcentre may accept alternative verification, such as:
- A letter from a homeless shelter or support worker.
- A bank statement (even an old one).
- A biometric residence permit (if applicable).

5. Set Up Payments

If you don’t have a bank account, discuss alternatives like:
- Post Office card accounts (though these are being phased out).
- Payment exceptions (e.g., via the Payment Exception Service, which allows cash withdrawals).

6. Complete the Claimant Commitment

To keep receiving UC, you’ll need to agree to a Claimant Commitment—a record of what you’ll do to prepare for or look for work. If you’re homeless, your commitments should reflect your circumstances.

Additional Support for Homeless Claimants

Advance Payments

If you’re in urgent need, you can request an advance payment—a loan deducted from future UC payments. You can apply for this during your initial claim.

Housing Costs

Even without a permanent home, you may qualify for help with:
- Temporary accommodation (if placed by a council).
- Hostel or shelter costs (if eligible).
- Rent deposits if moving into stable housing.

Local Council Assistance

Many councils offer discretionary housing payments (DHPs) or emergency support. Contact your local authority or a homelessness charity for guidance.

Real-Life Success Stories

Case Study: John’s Journey Off the Streets

John, 42, had been sleeping rough for two years before learning he could claim UC without an address. With help from a local charity, he used their address for correspondence, opened a basic bank account, and secured an advance payment. Within months, he had enough for a deposit on a shared flat and is now rebuilding his life.

Case Study: Maria’s Fight for Stability

Maria, a single mother, lost her home after fleeing domestic violence. She applied for UC using a women’s shelter’s address and received housing support. Today, she’s in stable accommodation and training for a new career.

Final Tips for a Successful Claim

• Seek help early – Charities like Shelter, Crisis, and local food banks can guide you.
• Be persistent – The system isn’t perfect, but many have succeeded despite obstacles.
• Know your rights – If unfairly denied, challenge the decision with support from advocacy groups.

Homelessness doesn’t have to mean hopelessness. Universal Credit, while imperfect, can be a lifeline—if you know how to access it.