The six-week waiting time for universal credit must be cut as the idea that people have a nest egg to fall back on is “grotesquely ignorant”, the Archbishop of York has said.
Writing in The Sunday Times, Dr John Sentamu said ministers must take a “courageous” look at the benefit.
Addressing the delay must be a priority, he said.
The government said it was determined to ensure people would not face hardship.
Changes recently announced to the system of advanced payments meant people could access these as soon as they got into the system, a spokesman said.
Universal credit rolls six working-age benefits into a single payment.
Since it began rolling out four years ago, almost a quarter of the 610,000 claimants receiving the benefit have had to wait for a month and a half for the first payment.
Although Dr Sentamu praised the concept of a single welfare payment, he wrote that the current system “seems to assume that everyone has a nest egg that will tide them over as they wait a minimum of 42 days for payouts”.
“That assumption is grotesquely ignorant, because millions of people, especially those in need of support, are already in debt and have nothing to fall back on,” he said.
‘Widows and orphans’
Dr Sentamu added that the UK’s poorest were at risk of falling into a downward spiral of debt, with some taking out expensive loans to bridge the 42-day benefit gap, so that the repayment of loans or of interest “becomes the first call on any payment they receive”.
He wrote: “In the Bible, the hardest-pressed of all poor people were summarised as ‘widows and orphans’ for they were the group most at risk and with least support.
“Our concern should be for their present-day successors whose essential outgoings are costing more and more and their incomes standing still or going down.”
Last week, Prime Minister Theresa May agreed to scrap premium rate charges for phone calls to the universal credit helpline, which can be up to 55p a minute.