On the other hand, necessary steps should be taken to ensure support to users who do not have access to services online, and to users who face challenges when going from weekly to monthly budgeting (Finn and Tarr, 2012). Take-up of benefits will increase after reform, since households who are today taking up only part of the benefits are eligible to will automatically receive their full entitlement under Universal Credit. The integrated nature of the reform will also remove the need for separate applications when moving from one benefit to another and when moving in and out of work, as the separation between out-of-work and in-work benefits is removed. This represents a take-up rate in the range of 75 to 85% (DWP, 2010b).