![](https://images.jacobinmag.com/wp-content/uploads/sites/4/2022/09/06095135/GettyImages-185782615-420x315.jpg)
Universal Credit Has Been a Disaster. It Has to Be Replaced.
As the cost of living crisis bites, the failings of Universal Credit – low rates and complicated fluctuating payments among them – are redoubling the misery for millions. It’s time to replace it with a benefits system that works.