Being unemployed does not automatically prevent you from claiming Universal Credit. You may qualify if you meet the rules on age, residence, savings, income and household circumstances; usually, you must be 18 or over and below State Pension age. Savings over £16,000 normally prevent a claim, while savings between £6,000 and £16,000 can reduce the amount, and couples usually make a joint claim. If you qualify, you may be expected to look for work or take other steps agreed in your claimant commitment. Check the latest guidance and apply through GOV.UK, as the Department for Work and Pensions decides eligibility and payment.