New Case?
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________________ Basic household details
Is this a NEW or EXISTING claim
When did the UC award start?
Single or Couple?
Claimant's age Enter ages using DOB if unsure about Pension Age
Claimant's D.O.B. dd/mm/yyyy
Partner's age
Partner's D.O.B. dd/mm/yyyy
Too old to claim Universal Credit! To qualify for Universal Credit the claimant (or their partner) must be under Pension Age.
Housing type
Region for Benefit Cap
Disability or illness?
Claimant or Partner receive one of the following?
• Attendance Allowance
• Disability Living Allowance
• Personal Independence Payments
Claimant or Partner severely sight impaired or blind?
Claimant or Partner a full-time carer? Do they receive Carers Allowance or provide 35+ hours care to severely disabled person?
Dependant children i.e. children they get child benefit for. (Don't count foster children.)
DO NOT PROCEED! Until 2018 no new claims accepted for UC if more than 2 children. Should claim Tax Credits and Housing Benefit instead.
Was the OLDEST child born after 5th April 2017?
Child 1 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 2 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 3 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 4 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 5 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 6 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 7 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 8 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 9 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 10 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 11 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 12 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 13 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 14 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 15 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Child 16 details:
2 Child Limit: Born before 6th April 2017 or exempt?
Children with disability? i.e. reg blind or getting DLA or PIP
Any other occupants? incl non-dependents
e.g. working age children, relatives, friends, carers, subtenants (e.g. lodgers/boarders).
Don't include joint tenants.
__________
Capital & Savings
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This includes cash, bank savings, ISAs etc, shares, tax rebates or redundancy payments, second house (unless up for sale).
It
does not include money that is unavailable e.g. pension schemes, or surrender value of insurance, personal injury payments held in trust, personal possessions, capital belonging to a child.
Any debts are ignored - so an overdraft or debt does not reduce total savings or capital.
Please enter any stocks or shares separately - they are treated differently to other savings/capital to allow for the costs of selling them (10%).
Claimant and partner's savings and capital only
Value of any stocks/shares
Value of other savings or capital
NOT ENTITLED TO BENEFIT! CAPITAL ABOVE £16,000
Income
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Income Labels: Please be super-careful about the labels you choose for income types. This calc uses the labels to work out UC entitlement. Some labels are specific to Claimant (CLMNT) or Partner (PRTNR) so take care with that.
You should only use the generic label “Other Unearned Income” if you are sure that there is no specific label that would be more accurate.
The following benefits are replaced by UC so there is no point entering them:
JSA(IB) • ESA(IR) • Housing Benefit • Tax Credits
They are labelled with this symbol
[::] at the end as a reminder. If you enter them by mistake they will be ignored and will not affect the UC calculation.
Earnings: This includes wages and self-employed income. Enter the “take-home” figure after Tax and NI have been deducted. If there are any other deductions – e.g. union subs, charity donations, fines etc then these need to be added back in. Normal rules for self-employed expenses apply.
Special rules for self-employed income. These help notes are not the place for long technical discussions so you might need to do some Googling. Briefly, the first 12 months of self-employment are counted as a “start-up period” and you should enter the actual net income from self-employment. After the start-up period the DWP can apply a “minimum income rule” and use that figure instead. This is based on either 16 or 35 hours at National Minimum Wage rates unless their actual income is higher.
Abbreviations: We have tried to avoid abbreviations in the labels unless they are well known – e.g. DLA for Disability Living Allowance.
The only ones you might have difficulty with are:
SDA – Severe Disablement Allowance (pretty old-school)
SSP/SMP/SPP – Statutory Sick Pay / Statutory Maternity Pay / Statutory Paternity Pay. This label also includes Statutory Adoption Pay.
Generally speaking, even if you are not familiar with some of the abbreviations, the person who gets the income will be. 
Enter claimant and partner's incomes below. Please label with care.
Income label £££ Freq
Ill-health or Disability
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These elements are only paid to someone who is too ill to work for a long time or has a disability. Universal Credit does not automatically award extra money to working-age people who get “qualifying benefits” e.g. DLA. Instead it uses a Work Capability Assessment. This assessment should happen in the first 13 weeks after the claim for UC or the start of the illness/disability.
The assessment puts people into one of three categories.

• Fit for work
or
• Limited capability for work
- they have a physical or mental condition that makes it unreasonable to require them to work or
• Limited capability for work-related activity
- they have a physical or mental condition that makes it unreasonable to require them to work or look for ways to get work.
The assessment is done by medics, and it is not always easy to predict the results. If you don't know the assessment results yet you can only use the questions below to do "What if" calculations.
There is a 3 month Waiting Period before the elements are included in the UC calculation. This can be waived if the person is terminally ill – or was recently getting one of the elements on a different claim for UC or ESA.
Claimant's 3 month Waiting Period complete or waived?
Claimant assessed as having Limited Capability for Work?
Claimant assessed as having Limited Capability for Work-related Activity?
Claimant gets Mid/High rate DLA Care?
Claimant's earnings too high for Limited Capability elements
Partner's 3 month Waiting Period complete or waived?
Partner assessed as having Limited Capability for Work?
Partner assessed as having Limited Capability for Work-related Activity?
Partner gets Mid/High rate DLA Care?
Partner's earnings too high for Limited Capability elements
Disability - children
Don't count any child twice - prioritise questions in top-down order
Children getting:
• DLA High rate Care Component or
• PIP Enhanced rate Daily Living
Children certified blind / severely sight impaired
Children getting DLA or PIP at any other rate or type
Are there any dependant children who, due to their disability, need their own bedroom?
Childcare costs
Any children under age 16* in paid childcare?
Average childcare costs
*For these purposes a child counts as "under age 16" until 1st September after their 16th birthday
Other occupants
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Do include:
working-age children, other relatives, friends, subtenants (lodgers/boarders), and anyone else who normally lives in the claimant's household.
Don't include:
- a partner or any dependant children or foster children.
- joint tenants.
- temporary visitors who normally live elsewhere.
There are some additional questions below that only apply in special cases. If you use any of these special case questions then don't include the people they apply to in the main "Other Occupants" section or they will be counted twice. 
Show special case questions?
To calculate bedrooms for LHA or 'Bedroom Tax' in special cases
Not counting a partner, are any occupants in hospital or prison for up to 6 months?
Are any of claimant/partner's children in the armed forces and away from home "deployed on operations"?
Is the claimant or partner an approved foster carer (kinship carer in Scotland) - even if no foster children currently?
Does the claimant or partner need a non-resident carer who stays overnight?
How many other occupants are there? Please read the Help notes above if you are not sure who to include.
Occupant 1
Are any of the following points true?
» They are a boarder or lodger
» They are a aged under 21
» They are responsible for a child under 5
» They get any of the following benefits
• Attendance Allowance
• DLA Care Mid/High
• PIP Daily Living
• Armed Forces Indep. Pay
• Carer's Allowance
• Pension Credit
Occupant 2
Are any of the following points true?
» They are a boarder or lodger
» They are a aged under 21
» They are responsible for a child under 5
» They get any of the following benefits:
• Attendance Allowance
• DLA Care Mid/High
• PIP Daily Living
• Armed Forces Indep. Pay
• Carer's Allowance
• Pension Credit
Occupant 3
Are any of the following points true?
» They are a boarder or lodger
» They are a aged under 21
» They are responsible for a child under 5
» They get any of the following benefits:
• Attendance Allowance
• DLA Care Mid/High
• PIP Daily Living
• Armed Forces Indep. Pay
• Carer's Allowance
• Pension Credit
Occupant 4
Are any of the following points true?
» They are a boarder or lodger
» They are a aged under 21
» They are responsible for a child under 5
» They get any of the following benefits:
• Attendance Allowance
• DLA Care Mid/High
• PIP Daily Living
• Armed Forces Indep. Pay
• Carer's Allowance
• Pension Credit
Occupant 5
Are any of the following points true?
» They are a boarder or lodger
» They are a aged under 21
» They are responsible for a child under 5
» They get any of the following benefits:
• Attendance Allowance
• DLA Care Mid/High
• PIP Daily Living
• Armed Forces Indep. Pay
• Carer's Allowance
• Pension Credit
Occupant 6
Are any of the following points true?
» They are a boarder or lodger
» They are a aged under 21
» They are responsible for a child under 5
» They get any of the following benefits:
• Attendance Allowance
• DLA Care Mid/High
• PIP Daily Living
• Armed Forces Indep. Pay
• Carer's Allowance
• Pension Credit
Other occupant couples
If any of the "Other Occupants" listed above are living together as a couple, please say how many couples there are.
Housing Costs
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For Social Tenants the Eligible Rent for UC is normally the actual rent unless the property is bigger than the household needs - based on the number of bedrooms it has.
If there is one extra bedroom the rent figure is reduced by 14%.
If there are 2 or more extra bedrooms the rent figure is reduced by 25%.
This is commonly known as the “Bedroom Tax”. The DWP calls it the “Removal of the Spare Bedroom Subsidy”.

This calculator automatically works out the required bedroom count and adjusts the rent figure - so please just enter the full rent.
The Eligible Rent for UC is determined using the Local Housing Allowance (LHA).
Each council publishes rates for LHA for different sizes of accommodation based on the number of bedrooms needed.
This calculator tells you how many bedrooms to look up in the LHA rates.
For single claimants aged under 35 with no children and no disabilities you should use the
"Shared accommodation rate". This gets flagged up by the calc. Also enter this rate if the claimant actually lives in shared accommodation.
The rent you pay should be "on a commercial basis" (e.g. legally enforcable and covered by an agreement). Generally, the same rules as for Housing Benefit apply to what is/n't commercial.
Support for Mortgage Interest (SMI) only covers the interest and uses a standard rate, currently 3.12%.
SMI is not paid if the claimant/partner has any earned income. This includes wages, self-employed income, Statutory Sick Pay, Statutory Maternity Pay etc.
There is a 9 month Waiting Period for SMI. This begins when the UC claim begins if there is no earned income. (The first Waiting Period on UC can be waived or shortened if transferring from Income Support or JSA or ESA).
If the claimant/partner has earnings the Waiting Period only begins when those earnings stop. The Waiting Period resets to 9 months if earned income begins/stops again. This applies even with very short periods of work.
If you enter any earned income into this calc the questions about SMI are hidden.
There is a limit of £200K on the mortgage that SMI takes into account. However, if part of the loan was for disability adaptations for the claimant/partner or dependent child then this part can also be included.
Enter rent:
Actual number of bedrooms
Any Rent-Free weeks?
Bedroom Tax does NOT apply in this case
1 Spare room - Bedroom Tax 14% - Automatic
2+ Spare rooms - Bedroom Tax 25% - Automatic
Bedrooms for LHA =
Shared Accommodation Rate? See notes in Help - above.
Enter LHA rent figure for this size/type property. See notes in Help above.
9 month SMI Waiting Period complete? See notes in help - above.
Outstanding mortgage (whole outstanding capital amount owed - not monthly repayments)
Additional loan for adaptations? See notes in Help - above.
Housing Costs for owner-occupiers hidden due to earned income. See notes in Help - above.
RESULTS
MONTHLY WEEKLY
Universal Credit
Award reduced by
Capped UC Payable
NOTE: May be exempt from Benefit Cap if claimant/partner combined earned income more than £430 during the past 12 months (Employment Grace Period).
Show Results Detail?
MONTHLY WEEKLY
Max. Universal Credit
Adult Elements M W
Limited Capability for Work
Lim. Cap. Work Related Activity
Carer Element
Child Elements M W
Child Elements
Disabled Child Addition - Lower
Disabled Child Addition - Higher
Childcare Costs Element
Housing Costs Element M W
Housing Costs
*Non-dependant deductions
Housing Costs (minus Non-Deps)
Earnings M W
Earnings
Work Allowance
Earnings minus Work Allowance
Earnings for UC calc (65%)
Unearned Income M W
Unearned income
Tariff income (from capital)
*Under UC, non-dep deductions are called "Housing costs contributions"
- End -
QuickCalc Ltd © Peter Cox 2017 V2017.05b
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