Purpl accepts no responsibility for the content of third-party websites and cannot guarantee that all these services mentioned may be able to help. Please note that situations and funding change from time to time. Purpl offer this information to be helpful and in good faith and the information is valid as of 15 April 2025.<\/p>\n\n\n\n
\n\n\n\n
In this Guide<\/strong><\/h2>\n\n\n\n\n- What is Pension Credit?<\/a><\/li>\n\n\n\n
- You Could be Eligible – Don’t Miss Out!<\/a><\/li>\n\n\n\n
- Pension Credit and Help with Health Costs<\/a><\/li>\n\n\n\n
- Pension Credit and Help with Housing Costs<\/a><\/li>\n\n\n\n
- Pension Credit and Help with Other Costs<\/a><\/li>\n\n\n\n
- Eligibility Criteria<\/a><\/li>\n\n\n\n
- How to Apply for Pension Credit<\/a><\/li>\n\n\n\n
- Top Tips for Claiming Pension Credit<\/a><\/li>\n\n\n\n
- Change of Circumstances<\/a><\/li>\n\n\n\n
- How to Report a Change<\/a><\/li>\n\n\n\n
- Living with a Partner under State Pension age<\/a><\/li>\n\n\n\n
- Common Myths About Pension Credit<\/a><\/li>\n\n\n\n
- Frequently Asked Questions (FAQs)<\/a><\/li>\n\n\n\n
- Get Help with Benefits and Pensions if you have Accessibility Needs<\/a><\/li>\n\n\n\n
- Other Support Available if you\u2019re not Eligible for Pension Credit<\/a><\/li>\n\n\n\n
- Conclusion<\/a><\/li>\n<\/ul>\n\n\n\n
\n\n\n\nWhat is Pension Credit?<\/strong><\/h2>\n\n\n\nPension Credit<\/a> is a means-tested benefit provided by the UK government to individuals over the State Pension age, who live in England, Scotland or Wales. It aims to boost the income of retirees who might otherwise struggle to make ends meet. It comes through the Department for Work and Pensions (DWP).<\/p>\n\n\n\nPension Credit is divided into two components:<\/p>\n\n\n\n
\n- Guarantee Credit<\/strong>: This part tops up your weekly income to a minimum level. As of April 2023, the amounts are:\n
\n- \u00a3201.05 per week for single individuals.<\/li>\n\n\n\n
- \u00a3306.85 per week for couples.<\/li>\n<\/ul>\n<\/li>\n\n\n\n
- Savings Credit<\/strong>: This additional amount is for people who saved some money towards their retirement, such as through a private or workplace pension. It is available only to those who reached State Pension age before 6 April 2016.\n
\n- Up to \u00a315.94 per week for single people.<\/li>\n\n\n\n
- Up to \u00a317.84 per week for couples.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n
\n\n\n\nYou Could be Eligible – Don’t Miss Out!<\/strong><\/h2>\n\n\n\nResearch from Age UK estimates that 850,000 eligible households fail to claim Pension Credit, missing out on these additional benefits. You can use our Turn2Us benefits calculator<\/a> to see if you are eligible for Pension Credit. Pension Credit is more than just an income boost; it serves as a gateway to other benefits and entitlements. Alongside the winter fuel payment, claiming pension credit can unlock housing benefit, support with mortgages, a free TV license and help with NHS dental appointments, which can add up to thousands of pounds in additional support.<\/p>\n\n\n\nTurn2us<\/a> is a national charity offering information and practical support to people facing financial insecurity.<\/p>\n\n\n\n
\n\n\n\nPension Credit and Help with Health Costs<\/strong><\/h2>\n\n\n\nYou\u2019ll get free NHS dental treatment, and you can get help with the cost of glasses and transport to hospital.<\/p>\n\n\n\n
If you care for someone, you might get an extra amount known as Carer Addition, which is worth up to \u00a345.60<\/strong> a week.<\/p>\n\n\n\nIf you have a disability, you may get an extra amount known as Severe Disability Addition, which is worth up to \u00a381.50 <\/strong>a week.<\/p>\n\n\n\n
\n\n\n\nPension Credit and Help with Housing Costs<\/strong><\/h2>\n\n\n\nYou probably won’t have to pay Council Tax (unless other people live with you).<\/p>\n\n\n\n
If you rent your home, you might get your rent paid in full by Housing Benefit<\/a>.<\/p>\n\n\n\nIf you own your home, you might be eligible for help with mortgage interest, ground rent, and service charges.<\/p>\n\n\n\n![\"An](\"https:\/\/wp.purpldiscounts.com\/wp-content\/uploads\/2025\/04\/old-couple-3-720x480-1.png\")
<\/figure>\n\n\n\nPension Credit and Help with Other Costs<\/strong><\/h2>\n\n\n\nIf you’re 75 or over, you can get a free TV licence<\/a>.<\/p>\n\n\n\nYou\u2019ll be eligible for a Cold Weather Payment<\/a> during particularly cold weather.<\/p>\n\n\n\nThe Government has announced that from Winter 2024 onwards, only people who claim Pension Credit (or another means-tested benefit) will be eligible for the Winter Fuel Payment<\/a>; an annual payment to help with heating costs during the colder months.<\/p>\n\n\n\n\nPension Credit serves as a gateway to other benefits and entitlements that can add up to thousands of pounds in additional support! It is well worth you applying if you are eligible! <\/p>\nGeorgina\u2019s Disability Money Saving Tips<\/strong><\/cite><\/blockquote>\n\n\n\n
\n\n\n\nEligibility Criteria<\/strong><\/h2>\n\n\n\nTo qualify for Pension Credit, you must meet certain conditions:<\/p>\n\n\n\n
Age Requirement<\/strong>: You must have reached the State Pension age. For couples, both partners must meet this criterion, unless one partner is already claiming Housing Benefit.<\/p>\n\n\n\nResidency<\/strong>: You must live in England, Scotland, or Wales (different rules apply for Northern Ireland).<\/p>\n\n\n\nIncome Threshold<\/strong>: Pension Credit is means-tested, so your income (from pensions, savings, earnings, and other benefits) must fall below the threshold mentioned above.<\/p>\n\n\n\nIf you have savings or investments over \u00a310,000, they will be taken into account, with every \u00a3500 above this limit treated as generating \u00a31 of income per week.<\/p>\n\n\n\n
If you’ve reached State Pension age, you can claim Guarantee Credit if your weekly income is less than:<\/p>\n\n\n\n
\n- \u00a3218.15 if you\u2019re single<\/li>\n\n\n\n
- \u00a3332.95 if you\u2019re a couple.<\/li>\n<\/ul>\n\n\n\n
This works out at \u00a311,343.80 a year if single, or a shared income of \u00a317,313.40 for a couple.<\/p>\n\n\n\n
Even if your weekly income is higher than these thresholds, you could still claim Guarantee Credit if you meet one of the following criteria:<\/p>\n\n\n\n
\n- you’re a carer<\/li>\n\n\n\n
- you have a severe disability<\/li>\n\n\n\n
- you have certain housing costs, such as service charges<\/li>\n\n\n\n
- you’re responsible for a child or young person who usually lives with you.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\nHow to Apply for Pension Credit<\/strong><\/h2>\n\n\n\nApplying for Pension Credit is straightforward. Here are the steps:<\/p>\n\n\n\n
Gather Necessary Information<\/strong><\/p>\n\n\n\nBefore applying for Pension Credit, ensure you have all the necessary documents ready to make the process smoother. You will need your National Insurance number, details of your bank account, and comprehensive information about your income, savings, and investments. If applicable, include details about your partner\u2019s financial situation as well. Having these documents organised will help prevent delays in processing your claim and ensure you provide accurate information to the Department for Work and Pensions (DWP).<\/p>\n\n\n\n
Apply Online<\/strong>: You can use the government\u2019s official website to complete your application.<\/p>\n\n\n\nApply by Phone<\/strong>: Call the Pension Credit claim line at 0800 99 1234<\/a> (Textphone: 0800 169 0133<\/a>).<\/p>\n\n\n\nApply by Post<\/strong>: Request a paper application form by contacting the DWP.<\/p>\n\n\n\nIt\u2019s worth noting that you can apply for Pension Credit up to four months before reaching State Pension age or up to three months after you\u2019ve become eligible.<\/p>\n\n\n\n
\n\n\n\nTop Tips for Claiming Pension Credit<\/strong><\/h2>\n\n\n\n\n- Check Eligibility Regularly<\/strong>: Even if you\u2019ve been told you don\u2019t qualify, changes in your circumstances – such as a reduction in income or increase in age – may make you eligible.
<\/li>\n\n\n\n- Use the Pension Credit Calculator<\/strong>: The government\u2019s online calculator<\/a> can give you an estimate of what you might receive.
<\/li>\n\n\n\n- Claim Even if You Have Savings<\/strong>: Many people mistakenly believe that having savings disqualifies them. However, only savings over \u00a310,000 are considered, and even then, the effect on your entitlement may be minimal.
<\/li>\n\n\n\n- Seek Help from Charities<\/strong>: Organisations like Age UK<\/a> and Citizens Advice<\/a> can help you with the application process.
<\/li>\n\n\n\n- Don\u2019t Delay<\/strong>: Pension Credit claims can only be backdated for up to three months, so apply as soon as you become eligible.<\/li>\n<\/ol>\n\n\n\n
\nIf you have been affected by the changes to the Winter Fuel Payment, you should check if you are eligible for pension credit. If you are able to claim this benefit, it will now unlock the Winter Fuel Payment for you. The deadline to receive a backdated Winter Fuel Payment for 2024 has now passed, but those eligible should still apply in good time to secure their entitlement for this year.<\/p>\nGeorgina\u2019s Disability Money Saving Tip<\/cite><\/blockquote>\n\n\n\n
\n\n\n\nChange of Circumstances<\/strong><\/h2>\n\n\n\nYou need to report changes to you and your partner\u2019s personal and financial circumstances.<\/p>\n\n\n\n
Your claim might be stopped or reduced if you do not report a change straight away. Some changes will increase the amount of Pension Credit you could get.<\/p>\n\n\n\n
Changes to your Personal Circumstances<\/strong><\/h3>\n\n\n\nA change of personal circumstances can include:<\/p>\n\n\n\n
\n- moving to a new address<\/li>\n\n\n\n
- starting or stopping living with a partner<\/li>\n\n\n\n
- the death of a partner who is named on your claim<\/li>\n\n\n\n
- starting or stopping work<\/li>\n\n\n\n
- going into hospital or a care home<\/li>\n\n\n\n
- people moving in or out of your house<\/li>\n\n\n\n
- changing your name<\/li>\n\n\n\n
- switching your bank account<\/li>\n\n\n\n
- changes to your Post Office card account<\/li>\n\n\n\n
- leaving England, Scotland and Wales for any period (for example, going on holiday)<\/li>\n\n\n\n
- you start or stop looking after a child or young person under the age of 20<\/li>\n\n\n\n
- changes to your immigration status, if you\u2019re not a British citizen<\/li>\n<\/ul>\n\n\n\n
Changes to your Financial Circumstances<\/strong><\/h3>\n\n\n\nYou also need to report if your income or expenses change. This can include changes to:<\/p>\n\n\n\n
\n- housing costs, for example ground rent or service charges<\/li>\n\n\n\n
- benefits that anyone living in your home gets – including getting a new benefit or a benefit being stopped<\/li>\n\n\n\n
- occupational or personal pensions – including if you start to get a new pension or take a lump sum out of your pension pot<\/li>\n\n\n\n
- other income, for example foreign pensions or Working Tax Credits<\/li>\n\n\n\n
- savings, investments or property<\/li>\n<\/ul>\n\n\n\n
Call the Pension Credit helpline<\/a> if you\u2019re not sure if you need to report a change.<\/p>\n\n\n\n![\"An](\"https:\/\/wp.purpldiscounts.com\/wp-content\/uploads\/2025\/04\/old-couple-2-720x480-1.png\")
<\/figure>\n\n\n\nHow to Report a Change<\/strong><\/h2>\n\n\n\nPension Service helpline
Telephone: 0800 731 0469<\/a>
Textphone: 0800 169 0133<\/a>
Relay UK<\/a> (if you cannot hear or speak on the phone): 18001 then 0800 731 0469<\/a>
British Sign Language (BSL) video relay service<\/a> if you\u2019re on a computer – find out how to use the service on mobile or tablet
<\/a>Monday to Friday, 8am to 6pm (except public holidays)
Find out about call charges<\/a><\/p>\n\n\n\nYou can also report by post. The address is on the letters you get about your Pension Credit.<\/p>\n\n\n\n
\n\n\n\nLiving With a Partner Under State Pension Age<\/strong><\/h2>\n\n\n\nYou will stop getting Pension Credit if you start living with a partner who is under State Pension age. You can start getting it again when your partner reaches State Pension age.<\/p>\n\n\n\n
If you were living with a partner under State Pension age before 15 May 2019 and getting Pension Credit, you\u2019ll keep getting it unless you stop being eligible. If this happens, you usually won\u2019t be able to get Pension Credit again until you and your partner are both eligible<\/a>.<\/p>\n\n\n\nIf you cannot get Pension Credit, you might be entitled to Universal Credit<\/a> instead, but you and your partner cannot get both at the same time. If one of you starts getting Universal Credit you\u2019ll stop being eligible for Pension Credit.<\/p>\n\n\n\n
\n\n\n\nCommon Myths About Pension Credit<\/strong><\/h2>\n\n\n\nMyth 1: \u201cI have too much income to qualify.\u201d<\/strong> Even if your income is slightly above the threshold, you may still qualify for Pension Credit if you have certain disabilities or are a carer.<\/p>\n\n\n\nMyth 2: \u201cIt\u2019s not worth the effort.\u201d<\/strong> Claiming Pension Credit can unlock additional benefits worth thousands of pounds per year.<\/p>\n\n\n\nMyth 3: \u201cI\u2019ll have to repay it later.\u201d<\/strong> Pension Credit is not a loan; it\u2019s a benefit, and you won\u2019t need to pay it back.<\/p>\n\n\n\n
\n\n\n\nFrequently Asked Questions (FAQs)<\/strong><\/h2>\n\n\n\nCan I work and still claim Pension Credit?<\/strong> Yes, you can work and still receive Pension Credit, but your earnings will be taken into account when calculating your entitlement.<\/p>\n\n\n\nWhat happens to my Pension Credit if I live with a partner?<\/strong> If you live with a partner, your income and savings will be assessed jointly. Both of you must have reached State Pension age unless one is already receiving Housing Benefit.<\/p>\n\n\n\nWill Pension Credit affect my other benefits?<\/strong> No, Pension Credit is designed to complement other benefits, not replace them.<\/p>\n\n\n\nCan I get Pension Credit if I\u2019m self-employed?<\/strong> Yes, self-employed individuals can apply for Pension Credit. Your income from self-employment will be assessed as part of the application.<\/p>\n\n\n\nWhat if my application is denied?<\/strong> If your application is denied, you can ask the DWP to reconsider their decision. If you\u2019re still unsatisfied, you can appeal through an independent tribunal.<\/p>\n\n\n\n
\n\n\n\nGet Help with Benefits and Pensions if you have Accessibility Needs<\/strong><\/h2>\n\n\n\nYou can get help if you have difficulties claiming benefits and pensions because of a disability or health condition.<\/p>\n\n\n\n
Difficulty using the phone<\/strong><\/h3>\n\n\n\nIf you have difficulty using the phone, you can use one of the following services instead.<\/p>\n\n\n\n
Relay UK<\/a> is a national service provided by BT that helps people with hearing and speech difficulties communicate with people over the phone. This can be used to contact all of our benefit and pension services.<\/p>\n\n\n\nTextphone is available for all benefits and pension services. The textphone number is given with the other contact details in benefits and pensions guides.<\/p>\n\n\n\n
Video Relay Service allows British Sign Language (BSL) users to communicate with DWP through a BSL interpreter. The service is available for all DWP benefits and services. Check benefit and service contact details to find out where it is available and how to use it.<\/p>\n\n\n\n
Other alternatives to the telephone<\/strong><\/h3>\n\n\n\nIf you cannot use these, you can ask for:<\/p>\n\n\n\n
\n- communication by email \u2013 make sure you tell them this is because of your disability or health condition<\/li>\n\n\n\n
- support from a family member, a friend or someone else such as a welfare rights adviser \u2013 make sure you give them your permission to help you<\/li>\n\n\n\n
- a home visit<\/a><\/li>\n<\/ul>\n\n\n\n
Difficulty using a computer<\/strong><\/h3>\n\n\n\nIf you have difficulty using our online services, contact the service by phone or letter. Tell them you cannot use the digital service because of your disability. You will be helped to access the service in a different way.<\/p>\n\n\n\n
Difficulty reading letters or filling in forms<\/strong><\/h3>\n\n\n\nIf you have difficulty reading letters or filling in forms, let us know when you contact them. You can ask for information in other ways, for example:<\/p>\n\n\n\n
\n- larger typesize<\/li>\n\n\n\n
- Braille \u2013 make clear if you need grade 1 (also known as uncontracted Braille) or grade 2 (also known as contracted Braille)<\/li>\n\n\n\n
- audio \u2013 you can get letters or leaflets on CD or as an MP3 file<\/li>\n\n\n\n
- email \u2013 if you use assistive technology, you can get letters and forms emailed to you in a suitable format<\/li>\n\n\n\n
- phone \u2013 ask for a phone call to explain things in more detail<\/li>\n\n\n\n
- paper colour \u2013 if you find it difficult to read letters because of the colour you can ask for them in a different colour<\/li>\n\n\n\n
- a home visit<\/a><\/li>\n<\/ul>\n\n\n\n
\n\n\n\nOther Support Available if you\u2019re not Eligible for Pension Credit<\/strong><\/h2>\n\n\n\nAttendance Allowance<\/strong><\/h3>\n\n\n\nAttendance Allowance<\/a> is a non-means tested benefit designed to support pensioners who need daily living help. It offers a minimum of \u00a33,700 a year, rising to \u00a35,644.60 depending on the level of support needed.<\/p>\n\n\n\nTo be eligible for the benefit, you must have needed help or supervision for six consecutive months, even if none has been received. This means you need assistance with daily living, or someone to watch you to avoid danger to yourself.<\/p>\n\n\n\n
You can find our Purpl Guide to Attendance Allowance here.<\/a><\/p>\n\n\n\n
\n\n\n\nHousehold Support Fund<\/strong><\/h3>\n\n\n\nThe household support fund <\/a>is money given to all local councils to support vulnerable households in their area. Councils are free to allocate the funds however they feel is best.<\/p>\n\n\n\nSome have provided cash grants, supermarket vouchers, or energy bill assistance. You will need to visit your local council\u2019s website to find out what help may still be available.<\/p>\n\n\n\n
\n\n\n\nEnergy Provider Help<\/strong><\/h3>\n\n\n\nSome energy suppliers are offering help for those struggling with their energy bills. These include Scottish Power, EDF, E.ON and Octopus. You will need to contact your energy provider to find out if you are eligible.<\/p>\n\n\n\n
British Gas also offers a grant of up to \u00a32,000 to customers of any energy provider. You will need to meet specific criteria to be eligible, and can apply on the British Gas Energy Trust website<\/a>.<\/p>\n\n\n\n
\n\n\n\nCharitable Grants<\/strong><\/h3>\n\n\n\nIf you are struggling financially, you may be eligible for certain charitable grants. There are a wide range of grants available depending on your circumstances. However, these grants will typically require you to meet specific criteria and only be able to offer limited funds. You can read our Purpl Guide to charitable grants here.<\/a><\/p>\n\n\n\n
\n\n\n\nPension Credit in Northern Ireland<\/strong><\/h3>\n\n\n\nWe are producing a guide to Pension Credit in Northern Ireland, but until then you can use the Pension Credit calculator<\/a> to work out how much you might get and Contact the Northern Ireland Pension Centre<\/a> if you\u2019re not sure whether you\u2019re eligible for extra amounts. <\/p>\n\n\n\nYou can find more information on the NIDirect website here.<\/a><\/p>\n\n\n\n
\n\n\n\nConclusion<\/strong><\/h2>\n\n\n\nPension Credit plays a crucial role in supporting older people across the UK, ensuring that retirement years are financially secure and dignified. However, its benefits often go unclaimed due to misconceptions or lack of awareness. By understanding eligibility requirements, knowing how to apply, and dispelling common myths, you or someone you know could benefit significantly from this valuable support system.<\/p>\n\n\n\n
If you think you or a loved one might be eligible, don\u2019t hesitate to apply. Every penny counts in retirement, and Pension Credit could open the door to a wealth of additional benefits and opportunities.<\/p>\n\n\n\n
\n\n\n\n\n\n![\"Georgina,](\"https:\/\/wp.purpldiscounts.com\/wp-content\/uploads\/2025\/02\/georgina-banner-1.png\")
<\/figure>\n\n\n\nGeorgina is the founder of Purpl, a platform dedicated to helping disabled people save money through exclusive discounts. Living with Multiple Sclerosis (MS) and ADHD, she understands firsthand the financial challenges of living with a disability. Her mission is to work with brands to secure discounts that ease the cost of essential products, services, and everyday expenses for the disabled community.<\/p>\n\n\n\n
\n\n\n\nHave you Joined Purpl?<\/strong><\/h2>\n\n\n\nIf you are a disabled person living in the UK, you could join the UK\u2019s first and fasted growing disabled discount site!<\/strong><\/a> Don\u2019t take our word for it! We have thousands of members saving money every week with Purpl!<\/p>\n\n\n\n![\"Text](\"https:\/\/wp.purpldiscounts.com\/wp-content\/uploads\/2025\/04\/I-SAVED-website-banners-3.png\")
<\/a><\/figure>\n\n\n\nRelated Disabled Discounts<\/strong><\/h2>\n\n\n\nCarphone Warehouse Disabled Discounts:<\/a><\/strong> check out our latest mobile offers
Who Gives A Crap Disabled Discount Code<\/strong><\/a>: 15% off for new customers
Hoover Direct Disabled Discount<\/strong><\/a>: Exclusive 11% discount <\/p>\n","protected":false},"excerpt":{"rendered":"The Purpl guide to Pension Credit<\/p>\n","protected":false},"author":3,"featured_media":2245,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","footnotes":""},"categories":[12,3],"tags":[],"class_list":["post-2244","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-articles","category-guides-and-advice"],"acf":[],"yoast_head":"\n
A Guide to Understanding Pension Credit in the UK - Purpl<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.purpldiscounts.com\/blog\/a-guide-to-understanding-pension-credit-in-the-uk\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"A Guide to Understanding Pension Credit in the UK\" \/>\n<meta property=\"og:description\" content=\"The Purpl guide to Pension Credit\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.purpldiscounts.com\/blog\/a-guide-to-understanding-pension-credit-in-the-uk\/\" \/>\n<meta property=\"og:site_name\" content=\"Purpl\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/purpldiscounts\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-15T14:07:21+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-08T16:08:54+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/wp.purpldiscounts.com\/wp-content\/uploads\/2025\/04\/pension-credit-720x480-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"720\" \/>\n\t<meta property=\"og:image:height\" content=\"480\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Georgina, Founder of Purpl\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@purpldiscounts\" \/>\n<meta name=\"twitter:site\" content=\"@purpldiscounts\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Georgina, Founder of Purpl\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"14 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.purpldiscounts.com\/blog\/a-guide-to-understanding-pension-credit-in-the-uk\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.purpldiscounts.com\/blog\/a-guide-to-understanding-pension-credit-in-the-uk\/\"},\"author\":{\"name\":\"Georgina, Founder of Purpl\",\"@id\":\"https:\/\/wp.purpldiscounts.com\/#\/schema\/person\/b30b90514209cc151d5c250a919ffe6d\"},\"headline\":\"A Guide to Understanding Pension Credit in the UK\",\"datePublished\":\"2025-04-15T14:07:21+00:00\",\"dateModified\":\"2025-06-08T16:08:54+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.purpldiscounts.com\/blog\/a-guide-to-understanding-pension-credit-in-the-uk\/\"},\"wordCount\":2998,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/wp.purpldiscounts.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.purpldiscounts.com\/blog\/a-guide-to-understanding-pension-credit-in-the-uk\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/wp.purpldiscounts.com\/wp-content\/uploads\/2025\/04\/pension-credit-720x480-1.png\",\"articleSection\":[\"All Articles\",\"Guides and Advice\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.purpldiscounts.com\/blog\/a-guide-to-understanding-pension-credit-in-the-uk\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.purpldiscounts.com\/blog\/a-guide-to-understanding-pension-credit-in-the-uk\/\",\"url\":\"https:\/\/www.purpldiscounts.com\/blog\/a-guide-to-understanding-pension-credit-in-the-uk\/\",\"name\":\"A Guide to Understanding Pension Credit in the UK - 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\n\n\n\n
What is Pension Credit?<\/strong><\/h2>\n\n\n\nPension Credit<\/a> is a means-tested benefit provided by the UK government to individuals over the State Pension age, who live in England, Scotland or Wales. It aims to boost the income of retirees who might otherwise struggle to make ends meet. It comes through the Department for Work and Pensions (DWP).<\/p>\n\n\n\nPension Credit is divided into two components:<\/p>\n\n\n\n
\n- Guarantee Credit<\/strong>: This part tops up your weekly income to a minimum level. As of April 2023, the amounts are:\n
\n- \u00a3201.05 per week for single individuals.<\/li>\n\n\n\n
- \u00a3306.85 per week for couples.<\/li>\n<\/ul>\n<\/li>\n\n\n\n
- Savings Credit<\/strong>: This additional amount is for people who saved some money towards their retirement, such as through a private or workplace pension. It is available only to those who reached State Pension age before 6 April 2016.\n
\n- Up to \u00a315.94 per week for single people.<\/li>\n\n\n\n
- Up to \u00a317.84 per week for couples.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n
\n\n\n\nYou Could be Eligible – Don’t Miss Out!<\/strong><\/h2>\n\n\n\nResearch from Age UK estimates that 850,000 eligible households fail to claim Pension Credit, missing out on these additional benefits. You can use our Turn2Us benefits calculator<\/a> to see if you are eligible for Pension Credit. Pension Credit is more than just an income boost; it serves as a gateway to other benefits and entitlements. Alongside the winter fuel payment, claiming pension credit can unlock housing benefit, support with mortgages, a free TV license and help with NHS dental appointments, which can add up to thousands of pounds in additional support.<\/p>\n\n\n\nTurn2us<\/a> is a national charity offering information and practical support to people facing financial insecurity.<\/p>\n\n\n\n
\n\n\n\nPension Credit and Help with Health Costs<\/strong><\/h2>\n\n\n\nYou\u2019ll get free NHS dental treatment, and you can get help with the cost of glasses and transport to hospital.<\/p>\n\n\n\n
If you care for someone, you might get an extra amount known as Carer Addition, which is worth up to \u00a345.60<\/strong> a week.<\/p>\n\n\n\nIf you have a disability, you may get an extra amount known as Severe Disability Addition, which is worth up to \u00a381.50 <\/strong>a week.<\/p>\n\n\n\n
\n\n\n\nPension Credit and Help with Housing Costs<\/strong><\/h2>\n\n\n\nYou probably won’t have to pay Council Tax (unless other people live with you).<\/p>\n\n\n\n
If you rent your home, you might get your rent paid in full by Housing Benefit<\/a>.<\/p>\n\n\n\nIf you own your home, you might be eligible for help with mortgage interest, ground rent, and service charges.<\/p>\n\n\n\n<\/figure>\n\n\n\nPension Credit and Help with Other Costs<\/strong><\/h2>\n\n\n\nIf you’re 75 or over, you can get a free TV licence<\/a>.<\/p>\n\n\n\nYou\u2019ll be eligible for a Cold Weather Payment<\/a> during particularly cold weather.<\/p>\n\n\n\nThe Government has announced that from Winter 2024 onwards, only people who claim Pension Credit (or another means-tested benefit) will be eligible for the Winter Fuel Payment<\/a>; an annual payment to help with heating costs during the colder months.<\/p>\n\n\n\n\nPension Credit serves as a gateway to other benefits and entitlements that can add up to thousands of pounds in additional support! It is well worth you applying if you are eligible! <\/p>\nGeorgina\u2019s Disability Money Saving Tips<\/strong><\/cite><\/blockquote>\n\n\n\n
\n\n\n\nEligibility Criteria<\/strong><\/h2>\n\n\n\nTo qualify for Pension Credit, you must meet certain conditions:<\/p>\n\n\n\n
Age Requirement<\/strong>: You must have reached the State Pension age. For couples, both partners must meet this criterion, unless one partner is already claiming Housing Benefit.<\/p>\n\n\n\nResidency<\/strong>: You must live in England, Scotland, or Wales (different rules apply for Northern Ireland).<\/p>\n\n\n\nIncome Threshold<\/strong>: Pension Credit is means-tested, so your income (from pensions, savings, earnings, and other benefits) must fall below the threshold mentioned above.<\/p>\n\n\n\nIf you have savings or investments over \u00a310,000, they will be taken into account, with every \u00a3500 above this limit treated as generating \u00a31 of income per week.<\/p>\n\n\n\n
If you’ve reached State Pension age, you can claim Guarantee Credit if your weekly income is less than:<\/p>\n\n\n\n
\n- \u00a3218.15 if you\u2019re single<\/li>\n\n\n\n
- \u00a3332.95 if you\u2019re a couple.<\/li>\n<\/ul>\n\n\n\n
This works out at \u00a311,343.80 a year if single, or a shared income of \u00a317,313.40 for a couple.<\/p>\n\n\n\n
Even if your weekly income is higher than these thresholds, you could still claim Guarantee Credit if you meet one of the following criteria:<\/p>\n\n\n\n
\n- you’re a carer<\/li>\n\n\n\n
- you have a severe disability<\/li>\n\n\n\n
- you have certain housing costs, such as service charges<\/li>\n\n\n\n
- you’re responsible for a child or young person who usually lives with you.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\nHow to Apply for Pension Credit<\/strong><\/h2>\n\n\n\nApplying for Pension Credit is straightforward. Here are the steps:<\/p>\n\n\n\n
Gather Necessary Information<\/strong><\/p>\n\n\n\nBefore applying for Pension Credit, ensure you have all the necessary documents ready to make the process smoother. You will need your National Insurance number, details of your bank account, and comprehensive information about your income, savings, and investments. If applicable, include details about your partner\u2019s financial situation as well. Having these documents organised will help prevent delays in processing your claim and ensure you provide accurate information to the Department for Work and Pensions (DWP).<\/p>\n\n\n\n
Apply Online<\/strong>: You can use the government\u2019s official website to complete your application.<\/p>\n\n\n\nApply by Phone<\/strong>: Call the Pension Credit claim line at 0800 99 1234<\/a> (Textphone: 0800 169 0133<\/a>).<\/p>\n\n\n\nApply by Post<\/strong>: Request a paper application form by contacting the DWP.<\/p>\n\n\n\nIt\u2019s worth noting that you can apply for Pension Credit up to four months before reaching State Pension age or up to three months after you\u2019ve become eligible.<\/p>\n\n\n\n
\n\n\n\nTop Tips for Claiming Pension Credit<\/strong><\/h2>\n\n\n\n\n- Check Eligibility Regularly<\/strong>: Even if you\u2019ve been told you don\u2019t qualify, changes in your circumstances – such as a reduction in income or increase in age – may make you eligible.
<\/li>\n\n\n\n- Use the Pension Credit Calculator<\/strong>: The government\u2019s online calculator<\/a> can give you an estimate of what you might receive.
<\/li>\n\n\n\n- Claim Even if You Have Savings<\/strong>: Many people mistakenly believe that having savings disqualifies them. However, only savings over \u00a310,000 are considered, and even then, the effect on your entitlement may be minimal.
<\/li>\n\n\n\n- Seek Help from Charities<\/strong>: Organisations like Age UK<\/a> and Citizens Advice<\/a> can help you with the application process.
<\/li>\n\n\n\n- Don\u2019t Delay<\/strong>: Pension Credit claims can only be backdated for up to three months, so apply as soon as you become eligible.<\/li>\n<\/ol>\n\n\n\n
\nIf you have been affected by the changes to the Winter Fuel Payment, you should check if you are eligible for pension credit. If you are able to claim this benefit, it will now unlock the Winter Fuel Payment for you. The deadline to receive a backdated Winter Fuel Payment for 2024 has now passed, but those eligible should still apply in good time to secure their entitlement for this year.<\/p>\nGeorgina\u2019s Disability Money Saving Tip<\/cite><\/blockquote>\n\n\n\n
\n\n\n\nChange of Circumstances<\/strong><\/h2>\n\n\n\nYou need to report changes to you and your partner\u2019s personal and financial circumstances.<\/p>\n\n\n\n
Your claim might be stopped or reduced if you do not report a change straight away. Some changes will increase the amount of Pension Credit you could get.<\/p>\n\n\n\n
Changes to your Personal Circumstances<\/strong><\/h3>\n\n\n\nA change of personal circumstances can include:<\/p>\n\n\n\n
\n- moving to a new address<\/li>\n\n\n\n
- starting or stopping living with a partner<\/li>\n\n\n\n
- the death of a partner who is named on your claim<\/li>\n\n\n\n
- starting or stopping work<\/li>\n\n\n\n
- going into hospital or a care home<\/li>\n\n\n\n
- people moving in or out of your house<\/li>\n\n\n\n
- changing your name<\/li>\n\n\n\n
- switching your bank account<\/li>\n\n\n\n
- changes to your Post Office card account<\/li>\n\n\n\n
- leaving England, Scotland and Wales for any period (for example, going on holiday)<\/li>\n\n\n\n
- you start or stop looking after a child or young person under the age of 20<\/li>\n\n\n\n
- changes to your immigration status, if you\u2019re not a British citizen<\/li>\n<\/ul>\n\n\n\n
Changes to your Financial Circumstances<\/strong><\/h3>\n\n\n\nYou also need to report if your income or expenses change. This can include changes to:<\/p>\n\n\n\n
\n- housing costs, for example ground rent or service charges<\/li>\n\n\n\n
- benefits that anyone living in your home gets – including getting a new benefit or a benefit being stopped<\/li>\n\n\n\n
- occupational or personal pensions – including if you start to get a new pension or take a lump sum out of your pension pot<\/li>\n\n\n\n
- other income, for example foreign pensions or Working Tax Credits<\/li>\n\n\n\n
- savings, investments or property<\/li>\n<\/ul>\n\n\n\n
Call the Pension Credit helpline<\/a> if you\u2019re not sure if you need to report a change.<\/p>\n\n\n\n<\/figure>\n\n\n\nHow to Report a Change<\/strong><\/h2>\n\n\n\nPension Service helpline
Telephone: 0800 731 0469<\/a>
Textphone: 0800 169 0133<\/a>
Relay UK<\/a> (if you cannot hear or speak on the phone): 18001 then 0800 731 0469<\/a>
British Sign Language (BSL) video relay service<\/a> if you\u2019re on a computer – find out how to use the service on mobile or tablet
<\/a>Monday to Friday, 8am to 6pm (except public holidays)
Find out about call charges<\/a><\/p>\n\n\n\nYou can also report by post. The address is on the letters you get about your Pension Credit.<\/p>\n\n\n\n
\n\n\n\nLiving With a Partner Under State Pension Age<\/strong><\/h2>\n\n\n\nYou will stop getting Pension Credit if you start living with a partner who is under State Pension age. You can start getting it again when your partner reaches State Pension age.<\/p>\n\n\n\n
If you were living with a partner under State Pension age before 15 May 2019 and getting Pension Credit, you\u2019ll keep getting it unless you stop being eligible. If this happens, you usually won\u2019t be able to get Pension Credit again until you and your partner are both eligible<\/a>.<\/p>\n\n\n\nIf you cannot get Pension Credit, you might be entitled to Universal Credit<\/a> instead, but you and your partner cannot get both at the same time. If one of you starts getting Universal Credit you\u2019ll stop being eligible for Pension Credit.<\/p>\n\n\n\n
\n\n\n\nCommon Myths About Pension Credit<\/strong><\/h2>\n\n\n\nMyth 1: \u201cI have too much income to qualify.\u201d<\/strong> Even if your income is slightly above the threshold, you may still qualify for Pension Credit if you have certain disabilities or are a carer.<\/p>\n\n\n\nMyth 2: \u201cIt\u2019s not worth the effort.\u201d<\/strong> Claiming Pension Credit can unlock additional benefits worth thousands of pounds per year.<\/p>\n\n\n\nMyth 3: \u201cI\u2019ll have to repay it later.\u201d<\/strong> Pension Credit is not a loan; it\u2019s a benefit, and you won\u2019t need to pay it back.<\/p>\n\n\n\n
\n\n\n\nFrequently Asked Questions (FAQs)<\/strong><\/h2>\n\n\n\nCan I work and still claim Pension Credit?<\/strong> Yes, you can work and still receive Pension Credit, but your earnings will be taken into account when calculating your entitlement.<\/p>\n\n\n\nWhat happens to my Pension Credit if I live with a partner?<\/strong> If you live with a partner, your income and savings will be assessed jointly. Both of you must have reached State Pension age unless one is already receiving Housing Benefit.<\/p>\n\n\n\nWill Pension Credit affect my other benefits?<\/strong> No, Pension Credit is designed to complement other benefits, not replace them.<\/p>\n\n\n\nCan I get Pension Credit if I\u2019m self-employed?<\/strong> Yes, self-employed individuals can apply for Pension Credit. Your income from self-employment will be assessed as part of the application.<\/p>\n\n\n\nWhat if my application is denied?<\/strong> If your application is denied, you can ask the DWP to reconsider their decision. If you\u2019re still unsatisfied, you can appeal through an independent tribunal.<\/p>\n\n\n\n
\n\n\n\nGet Help with Benefits and Pensions if you have Accessibility Needs<\/strong><\/h2>\n\n\n\nYou can get help if you have difficulties claiming benefits and pensions because of a disability or health condition.<\/p>\n\n\n\n
Difficulty using the phone<\/strong><\/h3>\n\n\n\nIf you have difficulty using the phone, you can use one of the following services instead.<\/p>\n\n\n\n
Relay UK<\/a> is a national service provided by BT that helps people with hearing and speech difficulties communicate with people over the phone. This can be used to contact all of our benefit and pension services.<\/p>\n\n\n\nTextphone is available for all benefits and pension services. The textphone number is given with the other contact details in benefits and pensions guides.<\/p>\n\n\n\n
Video Relay Service allows British Sign Language (BSL) users to communicate with DWP through a BSL interpreter. The service is available for all DWP benefits and services. Check benefit and service contact details to find out where it is available and how to use it.<\/p>\n\n\n\n
Other alternatives to the telephone<\/strong><\/h3>\n\n\n\nIf you cannot use these, you can ask for:<\/p>\n\n\n\n
\n- communication by email \u2013 make sure you tell them this is because of your disability or health condition<\/li>\n\n\n\n
- support from a family member, a friend or someone else such as a welfare rights adviser \u2013 make sure you give them your permission to help you<\/li>\n\n\n\n
- a home visit<\/a><\/li>\n<\/ul>\n\n\n\n
Difficulty using a computer<\/strong><\/h3>\n\n\n\nIf you have difficulty using our online services, contact the service by phone or letter. Tell them you cannot use the digital service because of your disability. You will be helped to access the service in a different way.<\/p>\n\n\n\n
Difficulty reading letters or filling in forms<\/strong><\/h3>\n\n\n\nIf you have difficulty reading letters or filling in forms, let us know when you contact them. You can ask for information in other ways, for example:<\/p>\n\n\n\n
\n- larger typesize<\/li>\n\n\n\n
- Braille \u2013 make clear if you need grade 1 (also known as uncontracted Braille) or grade 2 (also known as contracted Braille)<\/li>\n\n\n\n
- audio \u2013 you can get letters or leaflets on CD or as an MP3 file<\/li>\n\n\n\n
- email \u2013 if you use assistive technology, you can get letters and forms emailed to you in a suitable format<\/li>\n\n\n\n
- phone \u2013 ask for a phone call to explain things in more detail<\/li>\n\n\n\n
- paper colour \u2013 if you find it difficult to read letters because of the colour you can ask for them in a different colour<\/li>\n\n\n\n
- a home visit<\/a><\/li>\n<\/ul>\n\n\n\n
\n\n\n\nOther Support Available if you\u2019re not Eligible for Pension Credit<\/strong><\/h2>\n\n\n\nAttendance Allowance<\/strong><\/h3>\n\n\n\nAttendance Allowance<\/a> is a non-means tested benefit designed to support pensioners who need daily living help. It offers a minimum of \u00a33,700 a year, rising to \u00a35,644.60 depending on the level of support needed.<\/p>\n\n\n\nTo be eligible for the benefit, you must have needed help or supervision for six consecutive months, even if none has been received. This means you need assistance with daily living, or someone to watch you to avoid danger to yourself.<\/p>\n\n\n\n
You can find our Purpl Guide to Attendance Allowance here.<\/a><\/p>\n\n\n\n
\n\n\n\nHousehold Support Fund<\/strong><\/h3>\n\n\n\nThe household support fund <\/a>is money given to all local councils to support vulnerable households in their area. Councils are free to allocate the funds however they feel is best.<\/p>\n\n\n\nSome have provided cash grants, supermarket vouchers, or energy bill assistance. You will need to visit your local council\u2019s website to find out what help may still be available.<\/p>\n\n\n\n
\n\n\n\nEnergy Provider Help<\/strong><\/h3>\n\n\n\nSome energy suppliers are offering help for those struggling with their energy bills. These include Scottish Power, EDF, E.ON and Octopus. You will need to contact your energy provider to find out if you are eligible.<\/p>\n\n\n\n
British Gas also offers a grant of up to \u00a32,000 to customers of any energy provider. You will need to meet specific criteria to be eligible, and can apply on the British Gas Energy Trust website<\/a>.<\/p>\n\n\n\n
\n\n\n\nCharitable Grants<\/strong><\/h3>\n\n\n\nIf you are struggling financially, you may be eligible for certain charitable grants. There are a wide range of grants available depending on your circumstances. However, these grants will typically require you to meet specific criteria and only be able to offer limited funds. You can read our Purpl Guide to charitable grants here.<\/a><\/p>\n\n\n\n
\n\n\n\nPension Credit in Northern Ireland<\/strong><\/h3>\n\n\n\nWe are producing a guide to Pension Credit in Northern Ireland, but until then you can use the Pension Credit calculator<\/a> to work out how much you might get and Contact the Northern Ireland Pension Centre<\/a> if you\u2019re not sure whether you\u2019re eligible for extra amounts. <\/p>\n\n\n\nYou can find more information on the NIDirect website here.<\/a><\/p>\n\n\n\n
\n\n\n\nConclusion<\/strong><\/h2>\n\n\n\nPension Credit plays a crucial role in supporting older people across the UK, ensuring that retirement years are financially secure and dignified. However, its benefits often go unclaimed due to misconceptions or lack of awareness. By understanding eligibility requirements, knowing how to apply, and dispelling common myths, you or someone you know could benefit significantly from this valuable support system.<\/p>\n\n\n\n
If you think you or a loved one might be eligible, don\u2019t hesitate to apply. Every penny counts in retirement, and Pension Credit could open the door to a wealth of additional benefits and opportunities.<\/p>\n\n\n\n
\n\n\n\n\n\n<\/figure>\n\n\n\nGeorgina is the founder of Purpl, a platform dedicated to helping disabled people save money through exclusive discounts. Living with Multiple Sclerosis (MS) and ADHD, she understands firsthand the financial challenges of living with a disability. Her mission is to work with brands to secure discounts that ease the cost of essential products, services, and everyday expenses for the disabled community.<\/p>\n\n\n\n
\n\n\n\nHave you Joined Purpl?<\/strong><\/h2>\n\n\n\nIf you are a disabled person living in the UK, you could join the UK\u2019s first and fasted growing disabled discount site!<\/strong><\/a> Don\u2019t take our word for it! We have thousands of members saving money every week with Purpl!<\/p>\n\n\n\n<\/a><\/figure>\n\n\n\nRelated Disabled Discounts<\/strong><\/h2>\n\n\n\nCarphone Warehouse Disabled Discounts:<\/a><\/strong> check out our latest mobile offers
Who Gives A Crap Disabled Discount Code<\/strong><\/a>: 15% off for new customers
Hoover Direct Disabled Discount<\/strong><\/a>: Exclusive 11% discount <\/p>\n","protected":false},"excerpt":{"rendered":"The Purpl guide to Pension Credit<\/p>\n","protected":false},"author":3,"featured_media":2245,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","footnotes":""},"categories":[12,3],"tags":[],"class_list":["post-2244","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-articles","category-guides-and-advice"],"acf":[],"yoast_head":"\n
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Pension Credit is divided into two components:<\/p>\n\n\n\n
- \n
- Guarantee Credit<\/strong>: This part tops up your weekly income to a minimum level. As of April 2023, the amounts are:\n
- \n
- \u00a3201.05 per week for single individuals.<\/li>\n\n\n\n
- \u00a3306.85 per week for couples.<\/li>\n<\/ul>\n<\/li>\n\n\n\n
- Savings Credit<\/strong>: This additional amount is for people who saved some money towards their retirement, such as through a private or workplace pension. It is available only to those who reached State Pension age before 6 April 2016.\n
- \n
- Up to \u00a315.94 per week for single people.<\/li>\n\n\n\n
- Up to \u00a317.84 per week for couples.<\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n
\n\n\n\nYou Could be Eligible – Don’t Miss Out!<\/strong><\/h2>\n\n\n\n
Research from Age UK estimates that 850,000 eligible households fail to claim Pension Credit, missing out on these additional benefits. You can use our Turn2Us benefits calculator<\/a> to see if you are eligible for Pension Credit. Pension Credit is more than just an income boost; it serves as a gateway to other benefits and entitlements. Alongside the winter fuel payment, claiming pension credit can unlock housing benefit, support with mortgages, a free TV license and help with NHS dental appointments, which can add up to thousands of pounds in additional support.<\/p>\n\n\n\n
Turn2us<\/a> is a national charity offering information and practical support to people facing financial insecurity.<\/p>\n\n\n\n
\n\n\n\nPension Credit and Help with Health Costs<\/strong><\/h2>\n\n\n\n
You\u2019ll get free NHS dental treatment, and you can get help with the cost of glasses and transport to hospital.<\/p>\n\n\n\n
If you care for someone, you might get an extra amount known as Carer Addition, which is worth up to \u00a345.60<\/strong> a week.<\/p>\n\n\n\n
If you have a disability, you may get an extra amount known as Severe Disability Addition, which is worth up to \u00a381.50 <\/strong>a week.<\/p>\n\n\n\n
\n\n\n\nPension Credit and Help with Housing Costs<\/strong><\/h2>\n\n\n\n
You probably won’t have to pay Council Tax (unless other people live with you).<\/p>\n\n\n\n
If you rent your home, you might get your rent paid in full by Housing Benefit<\/a>.<\/p>\n\n\n\n
If you own your home, you might be eligible for help with mortgage interest, ground rent, and service charges.<\/p>\n\n\n\n
<\/figure>\n\n\n\nPension Credit and Help with Other Costs<\/strong><\/h2>\n\n\n\n
If you’re 75 or over, you can get a free TV licence<\/a>.<\/p>\n\n\n\n
You\u2019ll be eligible for a Cold Weather Payment<\/a> during particularly cold weather.<\/p>\n\n\n\n
The Government has announced that from Winter 2024 onwards, only people who claim Pension Credit (or another means-tested benefit) will be eligible for the Winter Fuel Payment<\/a>; an annual payment to help with heating costs during the colder months.<\/p>\n\n\n\n
\n
Pension Credit serves as a gateway to other benefits and entitlements that can add up to thousands of pounds in additional support! It is well worth you applying if you are eligible! <\/p>\nGeorgina\u2019s Disability Money Saving Tips<\/strong><\/cite><\/blockquote>\n\n\n\n
\n\n\n\nEligibility Criteria<\/strong><\/h2>\n\n\n\n
To qualify for Pension Credit, you must meet certain conditions:<\/p>\n\n\n\n
Age Requirement<\/strong>: You must have reached the State Pension age. For couples, both partners must meet this criterion, unless one partner is already claiming Housing Benefit.<\/p>\n\n\n\n
Residency<\/strong>: You must live in England, Scotland, or Wales (different rules apply for Northern Ireland).<\/p>\n\n\n\n
Income Threshold<\/strong>: Pension Credit is means-tested, so your income (from pensions, savings, earnings, and other benefits) must fall below the threshold mentioned above.<\/p>\n\n\n\n
If you have savings or investments over \u00a310,000, they will be taken into account, with every \u00a3500 above this limit treated as generating \u00a31 of income per week.<\/p>\n\n\n\n
If you’ve reached State Pension age, you can claim Guarantee Credit if your weekly income is less than:<\/p>\n\n\n\n
- \n
- \u00a3218.15 if you\u2019re single<\/li>\n\n\n\n
- \u00a3332.95 if you\u2019re a couple.<\/li>\n<\/ul>\n\n\n\n
This works out at \u00a311,343.80 a year if single, or a shared income of \u00a317,313.40 for a couple.<\/p>\n\n\n\n
Even if your weekly income is higher than these thresholds, you could still claim Guarantee Credit if you meet one of the following criteria:<\/p>\n\n\n\n
- \n
- you’re a carer<\/li>\n\n\n\n
- you have a severe disability<\/li>\n\n\n\n
- you have certain housing costs, such as service charges<\/li>\n\n\n\n
- you’re responsible for a child or young person who usually lives with you.<\/li>\n<\/ul>\n\n\n\n
\n\n\n\nHow to Apply for Pension Credit<\/strong><\/h2>\n\n\n\n
Applying for Pension Credit is straightforward. Here are the steps:<\/p>\n\n\n\n
Gather Necessary Information<\/strong><\/p>\n\n\n\n
Before applying for Pension Credit, ensure you have all the necessary documents ready to make the process smoother. You will need your National Insurance number, details of your bank account, and comprehensive information about your income, savings, and investments. If applicable, include details about your partner\u2019s financial situation as well. Having these documents organised will help prevent delays in processing your claim and ensure you provide accurate information to the Department for Work and Pensions (DWP).<\/p>\n\n\n\n
Apply Online<\/strong>: You can use the government\u2019s official website to complete your application.<\/p>\n\n\n\n
Apply by Phone<\/strong>: Call the Pension Credit claim line at 0800 99 1234<\/a> (Textphone: 0800 169 0133<\/a>).<\/p>\n\n\n\n
Apply by Post<\/strong>: Request a paper application form by contacting the DWP.<\/p>\n\n\n\n
It\u2019s worth noting that you can apply for Pension Credit up to four months before reaching State Pension age or up to three months after you\u2019ve become eligible.<\/p>\n\n\n\n
\n\n\n\nTop Tips for Claiming Pension Credit<\/strong><\/h2>\n\n\n\n
- \n
- Check Eligibility Regularly<\/strong>: Even if you\u2019ve been told you don\u2019t qualify, changes in your circumstances – such as a reduction in income or increase in age – may make you eligible.
<\/li>\n\n\n\n- Use the Pension Credit Calculator<\/strong>: The government\u2019s online calculator<\/a> can give you an estimate of what you might receive.
<\/li>\n\n\n\n- Claim Even if You Have Savings<\/strong>: Many people mistakenly believe that having savings disqualifies them. However, only savings over \u00a310,000 are considered, and even then, the effect on your entitlement may be minimal.
<\/li>\n\n\n\n- Seek Help from Charities<\/strong>: Organisations like Age UK<\/a> and Citizens Advice<\/a> can help you with the application process.
<\/li>\n\n\n\n- Don\u2019t Delay<\/strong>: Pension Credit claims can only be backdated for up to three months, so apply as soon as you become eligible.<\/li>\n<\/ol>\n\n\n\n
\n
If you have been affected by the changes to the Winter Fuel Payment, you should check if you are eligible for pension credit. If you are able to claim this benefit, it will now unlock the Winter Fuel Payment for you. The deadline to receive a backdated Winter Fuel Payment for 2024 has now passed, but those eligible should still apply in good time to secure their entitlement for this year.<\/p>\nGeorgina\u2019s Disability Money Saving Tip<\/cite><\/blockquote>\n\n\n\n
\n\n\n\nChange of Circumstances<\/strong><\/h2>\n\n\n\n
You need to report changes to you and your partner\u2019s personal and financial circumstances.<\/p>\n\n\n\n
Your claim might be stopped or reduced if you do not report a change straight away. Some changes will increase the amount of Pension Credit you could get.<\/p>\n\n\n\n
Changes to your Personal Circumstances<\/strong><\/h3>\n\n\n\n
A change of personal circumstances can include:<\/p>\n\n\n\n
- \n
- moving to a new address<\/li>\n\n\n\n
- starting or stopping living with a partner<\/li>\n\n\n\n
- the death of a partner who is named on your claim<\/li>\n\n\n\n
- starting or stopping work<\/li>\n\n\n\n
- going into hospital or a care home<\/li>\n\n\n\n
- people moving in or out of your house<\/li>\n\n\n\n
- changing your name<\/li>\n\n\n\n
- switching your bank account<\/li>\n\n\n\n
- changes to your Post Office card account<\/li>\n\n\n\n
- leaving England, Scotland and Wales for any period (for example, going on holiday)<\/li>\n\n\n\n
- you start or stop looking after a child or young person under the age of 20<\/li>\n\n\n\n
- changes to your immigration status, if you\u2019re not a British citizen<\/li>\n<\/ul>\n\n\n\n
Changes to your Financial Circumstances<\/strong><\/h3>\n\n\n\n
You also need to report if your income or expenses change. This can include changes to:<\/p>\n\n\n\n
- \n
- housing costs, for example ground rent or service charges<\/li>\n\n\n\n
- benefits that anyone living in your home gets – including getting a new benefit or a benefit being stopped<\/li>\n\n\n\n
- occupational or personal pensions – including if you start to get a new pension or take a lump sum out of your pension pot<\/li>\n\n\n\n
- other income, for example foreign pensions or Working Tax Credits<\/li>\n\n\n\n
- savings, investments or property<\/li>\n<\/ul>\n\n\n\n
Call the Pension Credit helpline<\/a> if you\u2019re not sure if you need to report a change.<\/p>\n\n\n\n
<\/figure>\n\n\n\nHow to Report a Change<\/strong><\/h2>\n\n\n\n
Pension Service helpline
Telephone: 0800 731 0469<\/a>
Textphone: 0800 169 0133<\/a>
Relay UK<\/a> (if you cannot hear or speak on the phone): 18001 then 0800 731 0469<\/a>
British Sign Language (BSL) video relay service<\/a> if you\u2019re on a computer – find out how to use the service on mobile or tablet
<\/a>Monday to Friday, 8am to 6pm (except public holidays)
Find out about call charges<\/a><\/p>\n\n\n\nYou can also report by post. The address is on the letters you get about your Pension Credit.<\/p>\n\n\n\n
\n\n\n\nLiving With a Partner Under State Pension Age<\/strong><\/h2>\n\n\n\n
You will stop getting Pension Credit if you start living with a partner who is under State Pension age. You can start getting it again when your partner reaches State Pension age.<\/p>\n\n\n\n
If you were living with a partner under State Pension age before 15 May 2019 and getting Pension Credit, you\u2019ll keep getting it unless you stop being eligible. If this happens, you usually won\u2019t be able to get Pension Credit again until you and your partner are both eligible<\/a>.<\/p>\n\n\n\n
If you cannot get Pension Credit, you might be entitled to Universal Credit<\/a> instead, but you and your partner cannot get both at the same time. If one of you starts getting Universal Credit you\u2019ll stop being eligible for Pension Credit.<\/p>\n\n\n\n
\n\n\n\nCommon Myths About Pension Credit<\/strong><\/h2>\n\n\n\n
Myth 1: \u201cI have too much income to qualify.\u201d<\/strong> Even if your income is slightly above the threshold, you may still qualify for Pension Credit if you have certain disabilities or are a carer.<\/p>\n\n\n\n
Myth 2: \u201cIt\u2019s not worth the effort.\u201d<\/strong> Claiming Pension Credit can unlock additional benefits worth thousands of pounds per year.<\/p>\n\n\n\n
Myth 3: \u201cI\u2019ll have to repay it later.\u201d<\/strong> Pension Credit is not a loan; it\u2019s a benefit, and you won\u2019t need to pay it back.<\/p>\n\n\n\n
\n\n\n\nFrequently Asked Questions (FAQs)<\/strong><\/h2>\n\n\n\n
Can I work and still claim Pension Credit?<\/strong> Yes, you can work and still receive Pension Credit, but your earnings will be taken into account when calculating your entitlement.<\/p>\n\n\n\n
What happens to my Pension Credit if I live with a partner?<\/strong> If you live with a partner, your income and savings will be assessed jointly. Both of you must have reached State Pension age unless one is already receiving Housing Benefit.<\/p>\n\n\n\n
Will Pension Credit affect my other benefits?<\/strong> No, Pension Credit is designed to complement other benefits, not replace them.<\/p>\n\n\n\n
Can I get Pension Credit if I\u2019m self-employed?<\/strong> Yes, self-employed individuals can apply for Pension Credit. Your income from self-employment will be assessed as part of the application.<\/p>\n\n\n\n
What if my application is denied?<\/strong> If your application is denied, you can ask the DWP to reconsider their decision. If you\u2019re still unsatisfied, you can appeal through an independent tribunal.<\/p>\n\n\n\n
\n\n\n\nGet Help with Benefits and Pensions if you have Accessibility Needs<\/strong><\/h2>\n\n\n\n
You can get help if you have difficulties claiming benefits and pensions because of a disability or health condition.<\/p>\n\n\n\n
Difficulty using the phone<\/strong><\/h3>\n\n\n\n
If you have difficulty using the phone, you can use one of the following services instead.<\/p>\n\n\n\n
Relay UK<\/a> is a national service provided by BT that helps people with hearing and speech difficulties communicate with people over the phone. This can be used to contact all of our benefit and pension services.<\/p>\n\n\n\n
Textphone is available for all benefits and pension services. The textphone number is given with the other contact details in benefits and pensions guides.<\/p>\n\n\n\n
Video Relay Service allows British Sign Language (BSL) users to communicate with DWP through a BSL interpreter. The service is available for all DWP benefits and services. Check benefit and service contact details to find out where it is available and how to use it.<\/p>\n\n\n\n
Other alternatives to the telephone<\/strong><\/h3>\n\n\n\n
If you cannot use these, you can ask for:<\/p>\n\n\n\n
- \n
- communication by email \u2013 make sure you tell them this is because of your disability or health condition<\/li>\n\n\n\n
- support from a family member, a friend or someone else such as a welfare rights adviser \u2013 make sure you give them your permission to help you<\/li>\n\n\n\n
- a home visit<\/a><\/li>\n<\/ul>\n\n\n\n
Difficulty using a computer<\/strong><\/h3>\n\n\n\n
If you have difficulty using our online services, contact the service by phone or letter. Tell them you cannot use the digital service because of your disability. You will be helped to access the service in a different way.<\/p>\n\n\n\n
Difficulty reading letters or filling in forms<\/strong><\/h3>\n\n\n\n
If you have difficulty reading letters or filling in forms, let us know when you contact them. You can ask for information in other ways, for example:<\/p>\n\n\n\n
- \n
- larger typesize<\/li>\n\n\n\n
- Braille \u2013 make clear if you need grade 1 (also known as uncontracted Braille) or grade 2 (also known as contracted Braille)<\/li>\n\n\n\n
- audio \u2013 you can get letters or leaflets on CD or as an MP3 file<\/li>\n\n\n\n
- email \u2013 if you use assistive technology, you can get letters and forms emailed to you in a suitable format<\/li>\n\n\n\n
- phone \u2013 ask for a phone call to explain things in more detail<\/li>\n\n\n\n
- paper colour \u2013 if you find it difficult to read letters because of the colour you can ask for them in a different colour<\/li>\n\n\n\n
- a home visit<\/a><\/li>\n<\/ul>\n\n\n\n
\n\n\n\nOther Support Available if you\u2019re not Eligible for Pension Credit<\/strong><\/h2>\n\n\n\n
Attendance Allowance<\/strong><\/h3>\n\n\n\n
Attendance Allowance<\/a> is a non-means tested benefit designed to support pensioners who need daily living help. It offers a minimum of \u00a33,700 a year, rising to \u00a35,644.60 depending on the level of support needed.<\/p>\n\n\n\n
To be eligible for the benefit, you must have needed help or supervision for six consecutive months, even if none has been received. This means you need assistance with daily living, or someone to watch you to avoid danger to yourself.<\/p>\n\n\n\n
You can find our Purpl Guide to Attendance Allowance here.<\/a><\/p>\n\n\n\n
\n\n\n\nHousehold Support Fund<\/strong><\/h3>\n\n\n\n
The household support fund <\/a>is money given to all local councils to support vulnerable households in their area. Councils are free to allocate the funds however they feel is best.<\/p>\n\n\n\n
Some have provided cash grants, supermarket vouchers, or energy bill assistance. You will need to visit your local council\u2019s website to find out what help may still be available.<\/p>\n\n\n\n
\n\n\n\nEnergy Provider Help<\/strong><\/h3>\n\n\n\n
Some energy suppliers are offering help for those struggling with their energy bills. These include Scottish Power, EDF, E.ON and Octopus. You will need to contact your energy provider to find out if you are eligible.<\/p>\n\n\n\n
British Gas also offers a grant of up to \u00a32,000 to customers of any energy provider. You will need to meet specific criteria to be eligible, and can apply on the British Gas Energy Trust website<\/a>.<\/p>\n\n\n\n
\n\n\n\nCharitable Grants<\/strong><\/h3>\n\n\n\n
If you are struggling financially, you may be eligible for certain charitable grants. There are a wide range of grants available depending on your circumstances. However, these grants will typically require you to meet specific criteria and only be able to offer limited funds. You can read our Purpl Guide to charitable grants here.<\/a><\/p>\n\n\n\n
\n\n\n\nPension Credit in Northern Ireland<\/strong><\/h3>\n\n\n\n
We are producing a guide to Pension Credit in Northern Ireland, but until then you can use the Pension Credit calculator<\/a> to work out how much you might get and Contact the Northern Ireland Pension Centre<\/a> if you\u2019re not sure whether you\u2019re eligible for extra amounts. <\/p>\n\n\n\n
You can find more information on the NIDirect website here.<\/a><\/p>\n\n\n\n
\n\n\n\nConclusion<\/strong><\/h2>\n\n\n\n
Pension Credit plays a crucial role in supporting older people across the UK, ensuring that retirement years are financially secure and dignified. However, its benefits often go unclaimed due to misconceptions or lack of awareness. By understanding eligibility requirements, knowing how to apply, and dispelling common myths, you or someone you know could benefit significantly from this valuable support system.<\/p>\n\n\n\n
If you think you or a loved one might be eligible, don\u2019t hesitate to apply. Every penny counts in retirement, and Pension Credit could open the door to a wealth of additional benefits and opportunities.<\/p>\n\n\n\n
\n\n\n\n\n\n<\/figure>\n\n\n\nGeorgina is the founder of Purpl, a platform dedicated to helping disabled people save money through exclusive discounts. Living with Multiple Sclerosis (MS) and ADHD, she understands firsthand the financial challenges of living with a disability. Her mission is to work with brands to secure discounts that ease the cost of essential products, services, and everyday expenses for the disabled community.<\/p>\n\n\n\n
\n\n\n\nHave you Joined Purpl?<\/strong><\/h2>\n\n\n\n
If you are a disabled person living in the UK, you could join the UK\u2019s first and fasted growing disabled discount site!<\/strong><\/a> Don\u2019t take our word for it! We have thousands of members saving money every week with Purpl!<\/p>\n\n\n\n
<\/a><\/figure>\n\n\n\nRelated Disabled Discounts<\/strong><\/h2>\n\n\n\n
Carphone Warehouse Disabled Discounts:<\/a><\/strong> check out our latest mobile offers
Who Gives A Crap Disabled Discount Code<\/strong><\/a>: 15% off for new customers
Hoover Direct Disabled Discount<\/strong><\/a>: Exclusive 11% discount <\/p>\n","protected":false},"excerpt":{"rendered":"The Purpl guide to Pension Credit<\/p>\n","protected":false},"author":3,"featured_media":2245,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_focuskw":"","_yoast_wpseo_title":"","_yoast_wpseo_metadesc":"","footnotes":""},"categories":[12,3],"tags":[],"class_list":["post-2244","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-all-articles","category-guides-and-advice"],"acf":[],"yoast_head":"\n
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- Use the Pension Credit Calculator<\/strong>: The government\u2019s online calculator<\/a> can give you an estimate of what you might receive.
- Check Eligibility Regularly<\/strong>: Even if you\u2019ve been told you don\u2019t qualify, changes in your circumstances – such as a reduction in income or increase in age – may make you eligible.