Will people struggle with new universal credit system?
22 November 2012 Last updated at 16:05 GMT
MPs have warned that the universal credit benefit system could leave some claimants struggling to cope.
Due to be introduced in 2013, the credit's aim is to improve work incentives for families and to cap payments at £26,000 a year.
BBC Radio 5 live Wake Up To Money asked welfare rights advisor Gary Vaux how it would work.