Five weeks too long
People are being forced to food banks because five weeks is too long to wait for Universal Credit. This isn’t right – the government needs to end the five week wait.
Universal Credit should be fighting poverty, not forcing people to use food banks
We’re a country that prides itself on making sure proper support is in place for each other when help is most needed – our benefits system was created to do exactly this. But Universal Credit isn’t the poverty-fighting reform that was promised.
Five weeks is too long to wait for Universal Credit. We need to end the wait.
More and more people are moving onto Universal Credit. None of them should need a food bank. But from the very start, everyone who applies has to wait at least five weeks for a first payment – some people are left waiting longer. This is leaving many without enough money to cover the basics.
Food banks are picking up the pieces
Rebekah has seen many people referred to her food bank because of the impact the five week wait is having on people. She shared the experience of someone she recently helped:
“We had a single person referred to us that was suffering from health problems and living alone in council accommodation. Their previous disability benefit was suspended, and then they were told they would have to apply for Universal Credit, which they did, but have been left with no income and no money in the bank in the meantime.
This has led to them having no money for food, electricity and having their phone disconnected. They are also now accruing rent arrears, are concerned that further action will be taken and are at risk of becoming homeless. All this is having a negative effect on their mental health and they have had to seek support from their GP.”
Have you been affected by the five week wait for Universal Credit or know someone who has?
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The government knows the five week wait is too long
The government knows some people struggle with the five week wait but the changes they’ve made so far won’t stop people needing a food bank. They need to do more. The best way to make sure no one needs a food bank while waiting for Universal Credit is to end the five week wait.
It doesn't have to be like this
There’s a five week wait because the government designed Universal Credit to work that way. We need to convince them to change it. Here’s how we’ll do that:
Everyone who thinks the government should end the five week wait joins together with food banks, charities, faith and community groups to be part of the #5WeeksTooLong campaign.
We’ll show how damaging the five week wait is, get coverage in the media and take action by emailing, tweeting and meeting politicians of all parties so they know it’s #5WeeksTooLong.
When the time is right, everyone who’s part of #5WeeksTooLong will demand change from those in charge – like when the Chancellor makes big spending decisions for the government.
Find out more about Universal Credit and the five week wait
Who’s backing the #5WeeksTooLong campaign?
“Making people with M.E. wait five weeks for vital financial assistance can lead to a cycle of debt and hardship which is impossible to escape. The stress caused by this can have a negative effect on their condition and worsen symptoms for a considerable time.”
“People in UK poverty have no buffer to help them when they hit a crisis and no savings to tide them over. To expect people to wait five weeks before they receive Universal Credit is to completely disregard this reality. Acts 435 works through local churches and charities to offer a buffer in situations like these, crowdfunding to meet needs as paying a bill or purchasing a bed, and has seen an increase in demand because of people waiting for Universal Credit. Government policy should not be causing such crisis which is why Acts 435 supports the #5WeeksTooLong campaign.”
“People turn to advice services when they can’t solve problems on their own; advice practitioners are often the first to hear when things don’t work. So it is the roll out of Universal Credit can be tracked across the country through the rise in numbers of people seeking advice. People coming to us are left juggling bills and debts and borrowing while they wait for their first Universal Credit. For them, the five week wait is simply cruel. It is difficult to imagine another area of basic need where waiting five weeks would even be suggested as acceptable. It is not acceptable for Universal Credit.”
“AdviceUK’s 660 members tell us that the 5 week waiting period is putting families under severe and avoidable hardship. Though there is a loan available, it immediately places low income families on the edge of a financial precipice when they can’t pay rent, heating and/or put food on the table. We believe that Universal Credit should help people move smoothly from non-work to work not put obstacles in their way. AdviceUK fully supports Trussell Trusts vital #5WeeksTooLong campaign”
“Young people experiencing homelessness urgently need access to the vital safety net that Universal Credit should provide. But too often we see the young people we support in our services pushed into severe hardship because of the 5-week wait for their first Universal Credit payment. The current system is setting homeless young people up to fail. That’s why Centrepoint supports the #5WeeksTooLong campaign.”
“We know the five week wait for universal credit is causing families hardship and driving people to food banks. It’s not right that families have to struggle because they don’t have enough income for five weeks. Advance payments are not a solution because people have to repay that money later on, leaving them facing hardship again down the line. We support the Trussell Trust’s call to end the five week wait.”
“We know that problems with the benefit system, including the five-week wait, is one of the main reasons that families fall into financial crisis. The long wait for an initial Universal Credit payment can leave families without enough money to pay bills or to provide food for their children. We support the #5WeeksTooLong campaign because Universal Credit should support families instead of pushing them towards a financial crisis.”
“Our benefits system should be there for people, not put them through greater hardship. When a government service relies on people being referred to food banks to get by, we know there is a real problem that should not be ignored. We know volunteers in food banks across the country who devote their time to helping people but it should not be necessary. Making people wait five weeks for their first payment is not treating them with dignity. It is too long and it must change. “
“We know that making people wait for the money they’re entitled to is one of the key ways that Universal Credit is trapping people in poverty. Church Action on Poverty supports the #5WeeksTooLong campaign because our benefits system should make sure everyone has access to good food, and no one has to go to bed hungry. We’re working with churches across the UK to put their faith into action, by calling on Government to take urgent action to fix Universal Credit.”
‘The evidence from the Citizens Advice Network in Scotland has consistently shown the 5 week wait to be one of the most problematic features of Universal Credit. It can create debt or cause existing debt to spiral. It can leave our clients struggling to afford food and other essentials or reliant on foodbanks, Crisis Grants and high cost credit to get by. Many people have also reported increased stress and negative impacts on their mental and physical health as a result of the wait. It is time for the government to act on this evidence and end the five week wait.’
“In recent years we have witnessed an increase in food poverty on our doorstep. There have been more and more people coming to our door who are visibly undernourished, who may have not eaten for days and who ask us for something to eat. How can this be right? We have opened our own Emergency Food Support service to support those in need, but systemic policy change is needed to address the root causes. Five weeks is far too long for families to receive the Universal Credit payment they need to stay afloat, and that is why Community Links supports the #5WeeksTooLong campaign.”
“The 5 week wait is leaving many people that come through our doors struggling to pay their rent while they try to cover the cost of essentials like bills and food and pay back any advance payments. This rising pressure can quickly force people into homelessness. Universal Credit needs to be properly resourced so it can act as a comprehensive safety net for people when they need it and respond rapidly to prevent homelessness. That means ending the 5 week wait, without delay.”
“Depaul UK works with thousands of young people affected by homelessness every year, more and more are suffering because of the five week wait. It’s unacceptable to expect young people in such desperate circumstances to ask for a Universal Credit advance that has to be paid back. Universal Credit could still be an improvement on the benefits it’s replacing if the heartless five week wait is abolished.”
“The five week wait is having a devastating effect on disabled people. Many struggle to afford basic essentials such as food and heating, with some disabled people forced to turn to food banks. Disabled people are falling into debt, losing their homes and in extreme cases considering suicide.
These are some of the most vulnerable people in society. It is a disgrace that they are having to wait at all, let alone for five weeks, for a benefit that is supposed to be a safety-net for disabled people unable to work. The Disability Benefits Consortium joins the #5WeeksTooLong campaign, calling for an end to this unnecessary and cruel policy.”
“We support #5WeeksTooLong because we believe the 5 week wait for Universal Credit forces people into financial crises. While thousands are waiting for the benefits that are due to them their bills are still coming in and there is food to buy and basics desperately needed. This situation often catapults them into the arms of high cost loan companies as these costs don’t just go away. This results in a domino effect that drives further high costs and yet more poverty.”
“We know that over a quarter of a million single parents are on Universal Credit. The wait for payments is having a devastating impact on their finances. Many single parents are having to take out loans to cover the shortfall of the waiting period to cover the upfront cost of childcare, food and bills because they don’t have savings to dip into. The government can change this; they need to ensure there is adequate support for single parents on UC.”
“The difficulties many of our customers face would start to dissipate if the five-week wait for Universal Credit was scrapped. Instead of desperately trying to find cash to pay bills, then having to play catch-up for months thereafter our customers could do what they should be doing, getting on with their lives. Through the actions proposed by the #5WeeksTooLong campaign this stressful situation is entirely avoidable. Home Group wants Universal Credit to be fair, and as such has been a constructive critic. We are fully behind the campaign that proposes workable solutions to a problem that is forcing many of our customers into financial crises.”
“People who are homeless, or at risk of homelessness, don’t have money to fall back on while they wait for their first Universal Credit payment. During this time people are going without food or heating, unable to move into accommodation, facing eviction, or are forced to take out a loan that enters them into a vicious cycle of debt that is almost impossible to get out of. Our benefits system should support people away from homelessness but this won’t happen if they have to wait #5WeeksTooLong.”
“Through our network of more than 120 grassroots night shelter projects across the country we are seeing the effect of the sclerotic Universal Credit system on those experiencing homelessness, at times preventing people moving on with their lives in to settled accommodation. Housing Justice is supporting the #5weekstoolong campaign to ensure no one has to go without food, heating or a warm and secure home while they wait for welfare.”
“Like the Trussell Trust’s 1,200+ food banks, at least 809 independent food banks and many hundreds of other independent food aid providers are continuously supporting people driven to despair by Universal Credit’s five-week wait. The imposition of a cruel and ill-considered wait or advance payment debt on those in our society who can least afford it must be reversed as soon as possible. Our society’s welfare safety net should provide financial support to those in need not push them into deeper crisis. We very much support the Trussell Trust’s call to end the five-week wait.”
“As a compassionate nation, we want to help people when they face challenging times, so it’s just not right that people have to turn to food banks to cope. We see people struggling every day against powerful currents of low pay, insecure jobs and rising costs. Our social security system should hold people steady against these forces, but the minimum five-week wait for Universal Credit is adding to the turbulence instead. Without enough money to get through this period, many people are forced into debt, fall behind on rent or have to cut back on essentials like food. Universal Credit can and must be redesigned to be an anchor for people experiencing poverty – that’s why we support the call to end the five-week wait.”
“A cancer diagnosis can have a sudden and significant financial impact. Many have to stop working at the same time as facing increased and unexpected costs. The welfare system should be a vital safety net to ensure people with cancer get quick access to support when they need it, whether they are having treatment or approaching the end of their lives. But waiting 5 weeks for Universal Credit puts many at risk of anxiety, hardship and debt at a time when they should be focusing on their health, not how they will make ends meet. That’s why Macmillan supports the #5WeeksTooLong campaign.”
“Every year 300,000 people with mental health problems fall out of work. Coping with that change can be difficult enough, but having to wait more than five weeks to get support from the benefits system is too often pushing people into a cycle of debt, housing problems and deteriorating mental health. We need to see a benefits system that’s there for us when we need it and that’s why we support the #5WeeksTooLong campaign.”
“The MND Association believes the 5 week wait for a first Universal Credit payment is an unacceptable delay for people living with rapidly progressive and terminal conditions such as MND. We are particularly concerned about the impact this is having on claimants who are applying for Universal Credit via the Special Rules for Terminal Illness, who do not appear to be exempt from this built-in delay either.”
“Through our debt advice work at National Debtline and Business Debtline, we see how the five week wait risks exacerbating financial problems. It can cause vulnerable people to fall into a spiral of debt including missing payments on essential household bills. The delay in payment presents a significant challenge to many of our clients at the worst possible time and it is for these reasons that the Money Advice Trust supports the #5WeeksTooLong campaign.”
“People with mental health problems are already three times and a half times more likely to be in problem debt; the five-week delay they face to receive initial payments is only making this worse. We want the government to end the five-week wait, and to make the benefits system more accessible to people with mental health problems. This will be crucial in preventing more people from falling into financial difficulty when they’re struggling with their mental health.”
“People with MS applying for Universal Credit are likely to already be struggling. A five week wait for vital financial support only makes the situation worse. During this time some people with MS struggle to pay for food and heating and cannot afford prescriptions or to travel to medical appointments. Many are forced into debt, and the stress and worry of it all can make their condition worse.
There is no logic or compassion in making people with MS wait at least five weeks for their first payment. This is why the MS Society is supporting the #5WeeksTooLong campaign.”
“Housing associations are on the frontline in supporting tenants with the change to Universal Credit. Time and again we are hearing that the biggest challenge that tenants face is the 5 week wait for their first payment. The National Housing Federation believe that this policy is unnecessary and further pushes people into financial difficulty and potential rent arrears at a time of instability. Universal Credit must work in the best interests of tenants and landlords to help secure sustainable homes for those most in need, which is why we support the #5WeeksTooLong campaign.”
“Landlords and tenants are consistently let down by the five-week wait and administrative errors inherent to Universal Credit, leaving many tenants in significant rent arrears and facing the risk of eviction before their benefit has been received. With 76 percent of landlords who let to tenants on Universal Credit experiencing arrears and LHA rates falling well behind market rents, making tenants wait five weeks unnecessarily hinders their chances to access the private rented sector. As a result, only 15 percent of private landlords let to benefit tenants, which is why the NLA is supporting the #5WeeksTooLong campaign.”
“P3 Charity is adding its voice to the #5WeeksTooLong campaign. Daily, our services see the impact this wait is having on people’s lives. P3 is supporting people who are left without money for food, rent and utilities. The wait forces people into debt—with accruing rent arrears—putting people at risk of homelessness. This five week wait is causing acute anxiety and distress and should be brought to an immediate end.”
“One of PLP’s core priorities is to ensure that systems for public decision-making are fair. We are frequently in touch with people claiming Universal Credit, and with welfare rights advisers working with claimants. One of the most common problems raised with us is the fact that the five week wait for a first payment leaves people at risk of hardship and even destitution. This is straightforwardly unfair, and that is why we support the #5WeeksTooLong campaign.”
“Rethink Mental Illness are pleased too support the #5weeksTooLong campaign. The 5 week wait runs the risk of people living with severe mental illness becoming more unwell, accumulating debt and being unable to meet basic needs. No policy rationale has been put forward for the 5 week wait and the wellbeing of people living with severe mental illness is more valuable than a one off cost saving.”
Reuse Network has been supporting UK low income households with furniture and electricals for over 30 years. Having set up during the 1980s austerity, economic failings, and welfare cuts; we are still here today dealing with people affected by today’s austerity and welfare cuts – plus now we have increased debt, rent to buy pressuring retailers, the gig economy, low pay, and of course Universal Credit. The Reuse Network saves 1.5 million low income families a total of £450 million per year – we can no longer tolerate this inequality, discriminating against those in poverty. That is why we are supporting the #5WeeksTooLong campaign.
“Riverside is adding its voice to the #5WeeksTooLong campaign, as we’re aware of the hardship being experienced by our tenants having to wait 5 weeks for their Universal Credit payment and it’s pushing them into debt. Our tenants, including customers in our homelessness services, have told us that they are struggling to keep afloat.
This long wait means that many people are going without food or heating and they are getting into debt to cover their bills. We welcome the simplicity that moving to an integrated benefit is intended to bring, but the way Universal Credit is being implemented means that instead of acting as a safety net, it is dragging people into debt.”
“Across our centres, time and again, our local community leaders tell us that the five week wait, under Universal Credit, is causing significant, and unnecessary, hardship for people they help every day. And they’re angry because they know it doesn’t have to be this way. They know government is choosing policies that push people into hardship, not lifting them up at a time they need the most help. We are fully behind Trussell Trust’s campaign to end this wait, and will continue push for policy solutions that enable people to live in dignity, free from fear or destitution.”
“At Scope, we know that financial shocks can have a massive impact on the lives of disabled people. Our welfare system is designed to provide support for people when they need it, and Universal Credit has been created to simplify this support. But as the new Universal Credit system becomes a reality for millions of disabled people, many face losing vital support which they used to receive and facing a long wait to get the support they are entitled to. The Government must recognise the barriers disabled people face, and take action so their critical financial support does not disappear, and nobody is left without their income while being moved to Universal Credit. We support the #5WeeksTooLong campaign to ensure disabled people get the support they need when they need it.”
“The five week wait is a weight for many people already struggling to keep their heads above water. Not only does it make it difficult for those affected to get the basic necessities of life, it acts as an accelerant to the build-up of debts that can lead to homelessness and the breakup of families, blighting the life chances of our future citizens. It is corrosive for whole communities with more than their fair share of households who need social security support. This is not the sort of society we want to build and that is why SFHA is calling for the end to the five week wait and its supporting #5WeeksTooLong.”
“Shelter helps millions of people every year struggling with bad housing or homelessness through our advice, support and legal services. Since the roll-out of Universal Credit, we see many people pushed into rent arrears and facing the threat of homelessness. The five-week wait at the start of a UC application exacerbates an already difficult situation for many, caused by housing benefit not covering private rents in most of the country, leaving people with no income at all. In supporting the #5WeeksTooLong campaign we want to make sure the wait is removed as soon as possible.”
“The five week wait is causing people to become homeless. We see this happening in our casework: sometimes landlords go for eviction because they can’t or won’t wait any longer for the rent. Advance payments aren’t a realistic solution because the deductions are often unaffordable, which makes it harder to offer a payment plan to prevent an eviction. The five week wait causes homelessness, hunger and stress. People still have bills to pay and mouths to feed. Nobody can exist off thin air for five long weeks.”
“Shelter Scotland helps over half a million people every year and we’re increasingly seeing people struggle with their housing costs. The five week wait automatically puts most people into rent arrears, which puts them at direct risk of homelessness. We know that the average arrears of a household on Universal Credit is far higher than a household on housing benefit. We call on the Government to recognise that the home is central to wellbeing and five weeks is too long to wait for the first Universal Credit payment.”
“As Bath and North East Somerset was a UK pilot area for the roll out of Universal Credit, St John’s Foundation has witnessed, first-hand, the effects of this policy. Low income families and individuals simply cannot afford to go for five weeks without any money. We are seeing increasing numbers of families getting into high amounts of debt, be it from rent, utility, Council Tax arrears or taking out high interest loans to try and tide them over. Far too many families are now having to rely on food banks, charity clothes schemes and welfare payments from the local authority or organisations like St John’s. We have spent hundreds of thousands of pounds over the last three years, simply supporting people being failed by Universal Credit. That’s why we are putting our names to this campaign.”
“St Mungo’s provides housing and support to thousands of homeless and vulnerable people, who tell us the five week wait is having a serious impact. The majority of people we work with cannot bridge such a long gap in their income. People told us they have used foodbanks, run up huge arrears, or been forced to take out risky loans whilst waiting for their first payment. Others are put at serious risk of losing their homes. We want people to have a home for good. That means access to an income – which is why we are supporting the #5WeeksTooLong campaign.”
“Every day we support people who are struggling with spiralling debt, hardship and health problems because they have been forced to take on debt to meet day to day living costs. There is no good reason to push financially vulnerable people into debt and further hardship through unnecessary delays. We support the #5WeeksTooLong campaign because Universal Credit should be part of the solution not the problem.”
“Waiting five weeks for Universal Credit can have a debilitating impact on victim-survivors of domestic abuse, particularly those experiencing economic abuse. Women living with economic abuse rely on access to benefits as a safety net when leaving an abusive partner. Knowing that there is a wait may put them off taking this brave step. We also know that the primary reason many women return to an abusive partner is economic hardship. Five weeks is too long a time for women and their children to be denied this vital safety net. SEA supports the #5WeeksTooLong campaign.”
“Universal Credit is designed to work for people who are moving across from work and who are used to monthly payments. A significant proportion of working people are not paid monthly though and an even greater proportion of our clients aren’t in any paid work at all. Most of our clients are used to weekly and fortnightly benefit payments and they just don’t have the financial buffer and safety net to cover even basic day to day expenses for 5 weeks. Additionally, advance payments under Universal Credit reduce your ongoing award for a year, creating a different type of financial hardship.”
“Any social security system which requires a five week wait for the first payment is simply not acceptable, individuals and families cannot afford to wait this long. There is no justification for the five weeks wait for the first payment.
The five week wait policy has fundamental consequences, people fall in to poverty and debt, we have witnessed the rising numbers being referred to foodbanks, and there is an increased risk of homelessness.”
“Turn2us is here to stop people being thrown into poverty. Making claimants wait 5 weeks for their first payment of Universal Credit is going to put many already struggling families into a real financial crisis.
The wait means that many people are almost automatically being thrown into debt when they are moved to Universal Credit. Many can’t put food on the table and the most vulnerable are worse effected. The 5 week wait breaks the safety net for thousands of people who need it, but this is easy to fix.”
“Everyone who applies for Universal Credit has to wait at least five weeks for their first payment. That’s leaving many people without enough money to cover the basics, forcing them to rely on food banks and other forms of emergency support. This is an utterly inhumane and indefensible approach that scars lives and communities alike. That’s why we’re throwing our support behind the Trussell Trust’s campaign to end the five week wait for Universal Credit.”
“1.6 million three-day emergency food supplies were given to people in crisis by Trussell Trust food banks last year. An appalling statistic for a country that has the fifth largest economy in the world. Families cannot afford to wait for 5 weeks for their initial payment of Universal Credit. Ending the 5 week wait is one of the crucial ways the government can reduce the need for foodbanks and the amount of people in poverty who are pushed in to debt. We support the #5WeeksTooLong campaign and urge the government to take action.”
“Women escaping domestic abuse often flee with nothing, to an area far from friends or family support, and then must try to rebuild their own and their children’s lives after experiencing trauma. Many survivors experience economic abuse at the hands of a perpetrator, denying them access to money and resources, and limiting their choices and access to safety. The wait of at least five weeks for Universal Credit increases the severe financial barriers women face in escaping; over half of survivors responding to our survey with Trades Union Congress who were living with their abuser said they could not afford to leave. Those women and children who do manage to escape can be pushed into poverty and hardship when they are at their most vulnerable and in most need of help. That is why Women’s Aid supports the #5WeeksTooLong campaign.”
“Having to deal with at least 5 weeks wait of no income is causing significant financial hardship for the people we work with and it is forcing them into debt, arrears, driving them to food-banks and leading to potential homelessness. Z2K supports Trussell Trust’s crucial #5WeeksTooLong campaign because we believe the social security system should be a tool to help people move out of poverty and into a stable, dignified life.”
“Universal Credit was rolled out in north Bristol last year and is having a huge impact on the clients we see. The five week wait is too long, causing real hardship and plunging clients into debt. Those who do secure an advance payment then face the prospect of repaying it, adding to their debt burden. UC should be a safety net designed to protect people from financial hardship, not a tool that contributes to it. That’s why we’re supporting this campaign.”
“At PayPlan, we see the link between the 5 week wait for Universal Credit and problem debt every day. People are forced into borrowing an advance to keep them going, which they are then unable to pay back. In fact, 72% of our clients who claim Universal Credit had to borrow money within the first 5 weeks which led to a debt problem further down the line, and a reliance on foodbanks to see them through until their first payment. We are supporting the #5WeeksTooLong campaign to put pressure on the government to make urgent changes to reduce poverty and remove the need for foodbanks completely.”
“The five-week wait is driving destitution and distress. It has pulled countless people into poverty and trapped many more who were already struggling. We hear time and time again that the policy is pushing some people into rent arrears while others are going hungry to avoid getting into debt. We urgently need to end the wait and increase the level of payments to meet people’s needs. The current policy has no place in a decent society.”
“When someone is granted refugee status in the UK, they face a race against time. Within 28 days the Home Office stops all financial support to that person. As well as having to get to grips with new systems and rights, individuals need to make a claim for Universal Credit which has a five-week processing time. This results in many people becoming destitute. The UK government must do the right thing and end the five-week wait for Universal Credit. #5WeeksTooLong”