Most new Working Tax Credit claimants are now directed to Universal Credit, but there is still a group who can claim Working Tax Credit — particularly those already on legacy benefits, certain disability claimants, and those over 60. Here's the current position.
Can You Still Claim Working Tax Credit in 2026?
New claims for Working Tax Credit are now closed for most people — DWP redirects claimants to Universal Credit. However, existing Working Tax Credit claimants who haven't been migrated to Universal Credit can continue claiming. Additionally, some claimants with disabilities who receive DLA or PIP may still be able to make new claims. Those over 60 working less than 30 hours may also have options via Pension Credit instead.
- •New WTC claims generally closed — directed to Universal Credit
- •Existing claimants: can continue on legacy system until migrated notice received
- •Disability premium claimants may have different options
- •Over 60: consider Pension Credit as alternative
- •Check with Citizens Advice before making any claim change
What happens when I receive a Migration Notice?+
A Migration Notice means you must move to Universal Credit by a specified deadline. You must claim UC before the deadline date or your benefits will stop. Citizens Advice can help you understand the transition.
How Much Is Working Tax Credit Worth?
Working Tax Credit is made up of a basic element plus additional elements depending on circumstances. Rates for 2026/27: basic element £2,435/year, couples element £2,500/year, lone parent element £2,500/year, 30-hour element £1,015/year, disability element £3,935/year. Income thresholds determine how much you receive.
- •Basic element: £2,435/year
- •Couples element: £2,500/year
- •30-hour element: £1,015/year if working 30+ hours
- •Disability element: £3,935/year
- •Childcare element: up to 70% of eligible childcare costs
Universal Credit vs Working Tax Credit
For most households, Universal Credit replaces Working Tax Credit and is more generous in some circumstances, less in others. UC assessments are monthly rather than annual, and earnings from employment reduce UC by 55p per £1 earned above the work allowance. Advice before transitioning is essential — some households are better off on legacy benefits and should not voluntarily switch.
- •Never voluntarily switch from WTC to UC without advice first
- •UC managed migration: automatic transition, protects transitional protection
- •Transitional protection prevents immediate reduction when migrating
- •Get advice from Citizens Advice or Turn2Us before any change
- •Managed migration includes top-up payment for at least 5 years if UC award is lower
#working tax credit#tax credits#hmrc benefits#working benefits#income support
Start Your Savings Journey Today
20+ savings challenges, daily tracking, and achievement badges -- all free.
Download on the App Store