Millions of people across the UK who claim Universal Credit while living with long-term health conditions or disabilities could be entitled to payments of up to £1,149 per month under existing benefit rules. As the cost of living remains high and many households face financial pressure, understanding how Universal Credit works has never been more important.
For claimants whose ability to work is affected by illness or disability, Universal Credit can include additional financial support. However, many people are unaware of how entitlement is calculated or that they may qualify for higher payments. This lack of awareness often leads to missed income and avoidable hardship.
Why Universal Credit Payments Differ Between Claimants
Universal Credit is not a fixed payment. Instead, it is made up of a standard allowance combined with extra elements that depend on individual circumstances. Factors such as health conditions, disabilities, housing costs and caring responsibilities all influence how much someone receives each month.
This flexible structure means that two people claiming Universal Credit can receive very different amounts, even if they appear to be in similar situations.
How Health Conditions Affect Universal Credit
If a physical or mental health condition limits a person’s ability to work, they may qualify for additional Universal Credit support. This is decided through a formal process known as the Work Capability Assessment.
The assessment focuses on how a condition affects day-to-day functioning rather than the medical diagnosis alone.
Understanding the Work Capability Assessment Process
The Work Capability Assessment evaluates whether a claimant can carry out work-related activities. It considers both physical limitations, such as mobility or fatigue, and mental health challenges, including anxiety or depression.
After the assessment, claimants are placed into one of two main categories, which directly affect their Universal Credit payments.
What “Limited Capability for Work” Means
Claimants found to have Limited Capability for Work are not expected to look for a job immediately. However, they may still be asked to take steps to prepare for work in the future.
Importantly, this group does not usually receive an extra monthly payment, but they are protected from full job-seeking requirements.
What “Limited Capability for Work and Work-Related Activity” Means
People assessed as having Limited Capability for Work and Work-Related Activity (LCWRA) receive additional financial support each month. This category applies to those whose health conditions significantly limit their ability to work or prepare for work.
The LCWRA element can substantially increase overall Universal Credit entitlement.
How the £1,149 Monthly Figure Is Calculated
The widely discussed £1,149 per month figure is not a standard Universal Credit rate. Instead, it reflects a combination of the standard allowance, the LCWRA element and, in many cases, housing support.
When these elements are added together, eligible claimants can reach or exceed this amount depending on their personal circumstances.
The Standard Universal Credit Allowance
Every Universal Credit claim includes a standard allowance. The amount depends on age and whether the claimant is single or part of a couple. This payment is made regardless of health status.
The LCWRA Element Explained
The LCWRA element is an additional monthly payment designed to support people with severe health limitations. It recognises that some individuals are unable to work or take part in work-related activities.
This element is one of the main reasons some claimants receive significantly higher Universal Credit payments.
Why Housing Costs Make a Big Difference
Housing support is another key factor. Claimants who rent their home may receive help with rent through Universal Credit. When housing costs are added to the standard allowance and LCWRA element, total monthly payments can rise considerably.
Who Is Most Likely to Receive Up to £1,149 a Month
Single claimants aged over 25 who qualify for the LCWRA element and receive housing support are among those most likely to approach the £1,149 figure. Couples or families may receive more, depending on their circumstances.
Why Many Eligible Claimants Miss Out
Many people do not realize they need to report health conditions or request a Work Capability Assessment. Others find the process stressful or confusing and delay taking action.
As a result, some claimants receive less support than they are entitled to.
Mental Health Conditions and Universal Credit
Conditions such as depression, anxiety and long-term stress can qualify for additional support if they significantly affect daily functioning. These conditions are assessed in the same way as physical illnesses.
Why the £1,149 Figure Can Be Misleading
Not everyone with a health condition will receive £1,149 a month. This amount represents a potential maximum based on specific circumstances. Actual payments vary widely.
Final Thoughts
The possibility of receiving up to £1,149 a month through Universal Credit highlights the importance of understanding entitlement for people with health conditions. While not everyone will qualify for the maximum amount, many may be entitled to more support than they currently receive.
Staying informed, reporting changes and seeking advice where needed can help ensure Universal Credit provides the financial support it is designed to deliver.
My name is Arsam, and I am the founder and author of Mymct. I created this website to share reliable mobile technology updates and important news in a simple and easy-to-understand way. I have a strong interest in smartphones, mobile apps, and the fast-changing digital world, and I enjoy researching topics that are useful for everyday users.