Many pensioners in the UK are missing out on extra financial help from the government – and they might not even know it. If you’re over State Pension age and on a low income, there’s a benefit called Pension Credit that could give you around £4,300 extra a year. But shockingly, thousands of people don’t claim it, even though they qualify.
This article explains what Pension Credit is, who can get it, and what other help it unlocks. Whether you’re a pensioner or you know someone who is, this could make a big difference.
What Is Pension Credit?
Pension Credit is a benefit from the Department for Work and Pensions (DWP). It’s designed to help people over State Pension age who are on a low income. It’s separate from your State Pension and does not replace it.
It comes in two parts:
- Guarantee Credit: tops up your weekly income to a minimum level.
- Savings Credit: an extra payment if you’ve saved some money for retirement (available only for people who reached State Pension age before April 6, 2016).
Pension Credit is not just money – it can open doors to other support like help with rent, heating bills, and even free NHS dental treatment.
Why Are So Many Missing Out?
Many pensioners assume they can’t claim anything once they start receiving their State Pension. But that’s not true. According to experts at Spencer Churchill Claims Advice, there’s a common myth that the State Pension is the only help available in retirement.
They explain that Pension Credit can be worth £4,300 per year on average, and many eligible pensioners aren’t applying simply because:
- They don’t know it exists
- They think it’s too complicated
- They don’t have access to the internet
- They assume they won’t qualify
That’s why friends, neighbours and family members are being urged to start the conversation. A quick phone call or check online could mean £80 extra a week or more for someone struggling with bills.
What Other Help Can You Get with Pension Credit?
If you qualify for Pension Credit, you may also be eligible for other forms of support, including:
- Housing Benefit: If you rent your home
- Council Tax discount
- Free TV licence: If you’re over 75
- Winter Fuel Payment
- Warm Home Discount: Help with heating bills
- Support for Mortgage Interest: If you own your home
- Help with NHS costs: Free dental treatment, glasses, and travel to hospital
- Discounts on Royal Mail redirection when moving house
So it’s not just the weekly payment — it’s about improving your overall living situation and easing financial pressure.
Is It Hard to Apply?
No, applying is not difficult. Pension Credit is means-tested, but that doesn’t mean a long, complicated form. Most applications can be done by:
- Calling the Pension Credit claim line
- Applying online at GOV.UK
- Getting help from Citizens Advice or local support groups
Even if you have savings or a private pension, you could still qualify – it all depends on your income level.
What About Other Benefits Like Attendance Allowance?
The experts also reminded people that some benefits – like Attendance Allowance or War Widow’s Pension – are not means-tested. So you can still claim them even if you’re receiving your full State Pension or Pension Credit.
Pension Credit can be a lifesaver for older people on low incomes, yet thousands miss out every year. If you or someone you know is over State Pension age, it’s worth checking. It might only take a few minutes, but it could lead to thousands of pounds in extra help each year.
FAQs
What is Pension Credit and who can claim it?
Pension Credit is a benefit for people over State Pension age on a low income. It tops up your income and may help with other costs like rent, heating, and NHS bills.
How much is Pension Credit worth per year?
On average, Pension Credit is worth around £4,300 per year, which is about £80 per week, depending on your personal circumstances.
Can I get Pension Credit if I already receive my State Pension?
Yes, you can still get Pension Credit even if you receive your State Pension. It is a separate benefit meant to support low-income pensioners.
What extra help does Pension Credit unlock?
It can give you access to Housing Benefit, Council Tax reductions, free TV licence (if over 75), Warm Home Discount, Winter Fuel Payment, and NHS support.
Why do so many people miss out on Pension Credit?
Many pensioners are unaware they’re eligible, think the application is too complex, or don’t realise they can still claim it after getting a State Pension.
How do I apply for Pension Credit?
You can apply online through GOV.UK, call the Pension Credit claim line, or get free help from Citizens Advice or other local support organisations.
