So glad I found this site. I'm worrying myself sick with being migrated to universal credits. My son has money in savings account from a life insurance policy from when his dad died. I've read that I have to declare this to uc is this right? Also I work 25 hours on working tax will I have to increase my hours when I move over to universal credit? I read somewhere that if your child is over a certain age you have to work 35 hours? Would be most grateful to hear off anyone