Updating our approach to State Benefit payments

From tomorrow, Tuesday 24 April, we're updating how we verify some benefit income, including Universal Credit.

New policy and proof requirements

You'll now need to use your clients' latest 3 months bank statements instead of their Award Notice to verify:

  • Universal Credit
  • Child Tax Credits
  • Widowed Parent's Allowance
  • Working Tax Credits
  • Adoption Allowance
  • Employment Support Allowance (ESA)*

* We're now able to accept ESA Working Group income

For joint applications, bank statements can be addressed to either or both applicants.

Keying benefit income

You'll need to key the average of the last 3 months payments into the 'Universal Credit/Tax Credit' field.

If the latest bank statement doesn't show a benefit payment, and the income is needed for affordability, you'll need to wait for the next month's statement to evidence that the income is ongoing.


Applications submitted before tomorrow will continue to be assessed under our previous policy, even if you make a change to the case.

Full details of our benefit income criteria can be found on our website:

View our benefit income criteria.