Sharon Cyrus
The Department for Work and Pensions (DWP) has revealed that individuals over State Pension age may qualify for additional Pension Credit if they meet certain conditions.
This includes pensioners with a low income or those receiving Attendance Allowance, or the middle or higher care component of Disability Living Allowance (DLA), Personal Independence Payment (PIP), or Adult Disability Payment (ADP).
This also applies to claimants of the new Pension Age Disability Payment (PADP).
How Much Extra You Can Receive
Pensioners qualifying for the disability element of Pension Credit can receive an extra £82.90 weekly, which adds up to £331.60 every four weeks.
Couples, where at least one partner receives a disability benefit, can also claim this extra £82.90 per week. Additionally, those on Carer’s Allowance may get an added £46.40 per week through Pension Credit.
Importantly, if you qualify for Carer’s Allowance but are not receiving it due to a higher payment like State Pension, you may still receive extra support through what’s called an ‘underlying entitlement.’
Millions Could Be Missing Out
Nearly 1.4 million pensioners in Great Britain are currently receiving Pension Credit, with the DWP estimating an average yearly support value of £4,300.
However, over 700,000 eligible pensioners are still not claiming what they’re entitled to. A common misunderstanding is that owning a home or having savings disqualifies someone — this is not always true. Pension Credit can help with housing costs, Council Tax, and heating bills.
Guaranteed Minimum Income Levels
Pension Credit ensures your weekly income does not fall below:
| Household Type | Minimum Weekly Income |
|---|---|
| Single Pensioner | £227.10 |
| Couple | £346.60 |
This tax-free payment is available to anyone who:
- Has reached State Pension age, and
- Resides in Great Britain
How to Check If You Qualify
Checking your eligibility is fast and easy using the Pension Credit calculator on GOV.UK. Alternatively, you can call the Pension Credit helpline at 0800 99 1234 (open Monday to Friday, 8am–6pm).
Additional advice and support can be obtained from trusted organizations such as:
- Age UK
- Citizens Advice
- Income Max
- Independent Age
Additional Perks of Pension Credit
Those receiving Pension Credit may also qualify for:
- Housing Benefit (if you rent)
- Support for Mortgage Interest (if you own)
- Council Tax reductions
- Free TV Licence (for those aged 75+)
- NHS help with dental care, prescriptions, travel
- Warm Home Discount Scheme (heating support)
- Royal Mail Redirection discounts (if moving)
Mixed Age Couples and Rule Changes
As of May 2019, couples where one partner is under State Pension age are considered working-age couples for benefit purposes. They must both reach State Pension age to claim Pension Credit or pension-age Housing Benefit — a change from earlier rules.
Using the Pension Credit Calculator
To use the calculator, gather the following:
- Your date of birth
- Residency status and location in the UK
- If you’re registered blind
- Which benefits you receive and how much
- Pension amounts (State, private, or work)
- Earnings and savings or investments
- If someone receives Carer’s Allowance for you
After answering the questions, you’ll see an estimate of what you may receive and a link to begin the application process. You can also print your results to help when applying.
Who Should Not Use the Calculator
You cannot use the calculator if you or your partner:
- Are deferring your State Pension
- Own multiple properties
- Are self-employed
- Have non-traditional housing costs not covered by Housing Benefit
How to Claim Pension Credit
You can apply up to four months before reaching State Pension age. If you apply afterward, you may backdate your claim for up to three months, provided you were eligible during that period.
Required Information
- National Insurance number
- Details about income, savings, and investments
- Bank account information
If backdating, you’ll also need financial info from the date you wish your claim to start.
Apply Online If
- You’ve already claimed State Pension
- Your claim doesn’t include children or young dependents
To check eligibility or apply, call 0800 99 1234 or visit GOV.UK.
Pension Credit is a vital support mechanism for retirees on a low income, offering both a financial boost and access to extra benefits. With over 700,000 pensioners missing out, it’s crucial to check eligibility, especially as entitlements can include an additional £331.60 monthly for disability or caring responsibilities. Whether you’re applying for yourself or assisting a loved one, using the online calculator or calling the helpline could unlock thousands in annual support.
FAQs
Does owning a home disqualify me from receiving Pension Credit?
No, owning your home does not automatically disqualify you. You may still be eligible depending on your income and savings.
Can I backdate my Pension Credit claim?
Yes, you can backdate your claim for up to three months, provided you were eligible during that time.
What if I qualify for Carer’s Allowance but don’t receive it?
You might still get an extra £46.40 per week via underlying entitlement, even if you’re not paid Carer’s Allowance due to receiving another benefit like the State Pension.