Universal Credit is a means-tested payment that may help with living costs if you are on a low income, out of work, or unable to work. It can include amounts for housing, children and health conditions, depending on your circumstances, and usually replaces benefits such as Housing Benefit, Income Support and income-related ESA. You normally apply online through GOV.UK and attend an appointment to verify your identity and discuss your circumstances. The Department for Work and Pensions decides eligibility and the amount, so check the official guidance before claiming.