Redundancy support
Universal Credit when your partner works
5 min read
Universal Credit is a household benefit. If you're part of a couple, you claim together and both incomes count. That doesn't mean you can't claim — it just means the maths matters.
You usually have to claim jointly
Couples who live together claim UC jointly, even if only one of you has lost work. Your maximum award is reduced based on your combined earnings.
The work allowance and taper rate
If you have children or limited capability for work, you can earn a 'work allowance' before UC starts being reduced. Beyond that, UC is reduced by 55p for every £1 earned (the taper rate).
Often still worth claiming
Couples with one earner and a low or moderate income often still qualify, especially if they have children or pay rent. Always run a free calculation before assuming you can't claim.
See what you may be entitled to
The free check gives an indicative view in about five minutes. No login.
Frequently asked questions
Sources
See our methodology for how we use these sources.
Related reading
Redundancy support hub
Calm step-by-step guidance for the weeks after redundancy.
Benefits after redundancy: what you may be able to claim
An overview of UK benefits to consider after redundancy — Universal Credit, New Style JSA, Council Tax Reduction, and contribution-based options.
How savings and redundancy pay affect Universal Credit
The £6,000 and £16,000 thresholds explained, plus how deliberate spending (deprivation of capital) is treated.
Can I claim benefits if my partner works?
How a partner's income and savings affect UK benefits like Universal Credit, New Style JSA, ESA and PIP, with plain English examples.