A couple with children may be able to claim Universal Credit through one joint claim, provided they meet the residence, immigration and other rules; both partners will usually need to be below State Pension age. The assessment considers your combined income, savings and capital, housing costs, childcare costs and circumstances, while extra amounts may apply for children or disability. Savings above £16,000 normally prevent a claim, and savings between £6,000 and £16,000 can reduce the award. Check your circumstances using the official GOV.UK guidance or a reputable benefits calculator.