This essential guide tells you what universal credit means for you. It explains in straightforward terms how Universal Credit works and it affects people in various situations (lone parents, carers etc). This 3rd edition will be updated in line with the new legal regulations.This book is also for you if you're currently claiming benefits yourself, or if you think you may need to in future. Use it to find out what you need to know about universal credit and how it's likely to affect you. You don't need to be an expert on the social security system - this book makes the law clear and understandable for everyone. * Can you claim universal credit? * How much universal credit will you get?* When will your benefit be sanctioned? * When can you be fined?* What will you be expected to do to receive benefit?* What happens if you're overpaid or your circumstances change?