Some more detailed reports came out now, includingon gov.uk.I thought the £650 was for cost of living and the £400 for energy bills???
Our finances are separate, rent is separate, bills are separate so we aren't getting £650 we are getting £325...
As you said £400 is energy bill relief, goes to billpayer for energy account.
£650 for those who qualify is per person, and doesnt matter if they are a billpayer, however if its a couple who are joint recipients of a means tested benefit, its £650 between both. Its a cost of living payment. Also not everyone on means tested benefits will qualify according to the gov.uk site, but the exceptions I think is going to be a very low amount of people (housing benefit or council tax relief claimants who dont claim a mainstream benefit). This likely explains Sunak's "almost everyone" comment.