Report
Universal Credit and Financial Resilience

Universal Credit and Financial Resilience
Supported by the Joseph Rowntree Foundation, this Universal Credit analysis identifies 7 factors that determine a household’s ability to cope with the transition to Universal Credit.
We find that at least 3.3 million households, or 71% of the cohort yet to move to Universal Credit, will face at least one of these challenges. But these factors can often interact and overlap.
In addition, we find that at least 1.2 million low-income households, around 26% of the cohort yet to move onto Universal Credit, will face two or more of these challenges.
We give 4 recommendations that the Government should adopt now: a targeted grant in place of the Universal Credit advance payment, a two week run on of Child Tax Credit, fortnightly payments of Universal Credit and greater flexibility in processes.
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