Universal Credit, a benefit claimed by millions across the UK, can make you eligible for other handouts worth tens of thousands of pounds per year. This money is completely free and does not need to be repaid, nor will it affect your future Universal Credit amount.

Universal Credit is not only for those out of work - this is a common misconception. As of December 2023, there were 2.4 million people in employment while claiming Universal Credit.

This means that 38 percent of all claimants are actually working and using UC as a supplement to their income.

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A government report stated: "Universal Credit is available to people on a low income as well as those who are out of work." It also revealed that "There were 2.4 million people on Universal Credit in employment for December 2023, 38% of all people on Universal Credit. This figure has been stable since January 2023," reports the Express.

The most significant benefit boost for those on Universal Credit is for those with children. If you claim Universal Credit, you can also claim back up to 85 percent of your childcare costs, provided you are working or about to start working - i.e. you have a provable job offer.

The maximum amount you can claim back is £1,739.37 for two or more children, which equates to a substantial £20,827.44 per year.

Other benefits you can claim on Universal Credit include a £1,500 energy bills grant and a council tax reduction worth £2,171, as well as about £328 towards water bills.

Several energy firms offer energy bill grants for those on Universal Credit which can be used to wipe off arrears and you can also apply for little-advertised social tariffs which offer cheaper rates. This is the same as water bills - water firms often offer discounted social tariffs which could see you issued much lower bills than normal.

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