Universal Credit is a welfare benefit in the United Kingdom designed to support individuals and families with low income or who are out of work. It combines several benefits into one monthly payment, including Jobseeker's Allowance, Housing Benefit, and Child Tax Credit. This system aims to simplify the benefits process and encourage people to find work by gradually reducing support as their income increases. To qualify for Universal Credit, applicants must meet certain criteria, such as being over 18 and living in the UK. The amount received depends on various factors, including income, savings, and family circumstances. This benefit is intended to provide financial stability while helping recipients transition into employment.