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Is our welfare benefit system too complex? Billions of pounds go unclaimed every year by millions of people. So what can be done to improve benefit take-up so that the money reaches those who need it? And as the roll out of Universal Credit progresses, we find out how it's helping to simplify the system.

To share your views, suggestions and experiences. with Paul and guests, call 03700 100 444 from 1pm to 3.30pm or e-mail moneybox@bbc.co.uk Standard geographic charges from landlines and mobiles will apply.

Presenter: Paul Lewis
Producer: Alex Lewis
Editor: Andrew Smith.