Universal Credit is a benefit unemployed people or those with low salaries receive to top up their income. The total amount you can get depends on several things such as whether you have a partner, your number of dependents or your housing costs. Universal Credit also depends on your monthly take-home pay, so if you have a variable salary, it is also a great way to smooth your income.
Universal Credit ceases once you (and your partner) reach the State Pension Age. If your basic state pension and private pension are not enough to reach a minimum level of income, you will be able to claim Pension Credits.
Specific groups such as low and middle-income families or disabled people can get additional benefits that reflect their higher living costs such as Child Benefit, Scottish Child Payment or Personal Independence Payment.