Pension Credit

four older people talking outdoors

About 4 million older people are entitled to Pension Credit, yet about 1 in 3 of those eligible are still not claiming it. If you’re one of them, you could be missing out on hundreds or even thousands of pounds a year.

There are two parts of Pension Credit - you may be eligible to receive one or both of them.

Guarantee Credit tops up your weekly income to a guaranteed minimum level set up by the Government.

Savings Credit is extra money for people who have an income higher than the Basic State Pension or who have a small amount of savings.

Can I claim Pension Credit?

  • The minimum age to qualify for Guarantee Credit is gradually rising from age 60 to 66. The current minimum age for Savings Credit is 65.
  • Pension Credit is means-tested so your income and savings are taken into account when it is worked out.

Pension Credit includes help towards mortgage payments and service charges for home owners, and extra money for people who receive Carers Allowance or disability benefits.

It's worth claiming Pension Credit even if you are only entitled to a small amount, as it can help you qualify for other benefits.

Pension Credit will soon be changing to include a new element called Housing Credit, which you can get if you're eligible for support with rent. This will replace Housing Benefit. This change won't happen before October 2014.

Use our opens link in new window online benefits calculator to find out whether you could be eligible for Pension Credit.

How to claim Pension Credit

Call the Pension Service on 0800 99 1234. They will ask you questions over the phone and fill the form in for you. Or visit the GOV.UK website to download a claim form.

opens link in new window Download More money in your pocket: a guide to claiming benefits for people over pension age (PDF 3 MB)

opens link in new window Download our Pension Credit factsheet (PDF 538 KB)

Find out more about our benefits campaign

My story

'I’m much better off now. It is easier to make ends meet.'

Sixty-four year-old Terry had no idea he and his wife were entitled to Pension Credit and full payment of their Council Tax bill. That was until the lads at the working men’s club told him to go see Amanda at Age Concern.

"I’d worked nearly all my life in the building trade and I just couldn’t do it anymore because it took its toll on my body.

So I went to work at a recycling plant instead‚ picking things off the line‚ but the conditions were terrible. My skin was coming out in a rash all down my back‚ arms and legs. I was scratching all the time.

I knew I had to pack my job in but I was worried because I was only 60 and couldn’t claim my pension yet. But Amanda took care of me. She filled in some forms and helped me and my wife claim Pension Credit of £202.40 a week. We also got help with our Council Tax, so we save over £1‚000 a year.

When I was working I was taking home about £150 a week. I had hit my savings because the money I was getting wasn’t enough to live on. I’m much better off now. It is easier to make ends meet.

If you’re like me and you don’t have a lot of money you should go and speak to Age Concern*. They are always there to help you and give you good advice.”

*Age UK was previously known as Age Concern.

Your Age UK

Set your location to see what Age UK offers in your local area.

Age UK Advice:
0800 169 6565

Useful website

  • Direct Gov provides details of state pensions, including forecasts and how to claim your pension.

Useful information to download

  • A factsheet about the two parts of the Pension Credit
    • A factsheet about how your state pension is calculated.
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