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Pension Credit is an income-related benefit to give you some extra money in retirement. If you’re on a low income or struggling to make ends meet, claiming Pension Credit could help. It comes in two parts and you may be eligible for one or both parts.
On this page you’ll find out the following:
Pension Credit comes in two parts:
Guarantee Credit tops up your weekly income to a guaranteed minimum level:
Savings Credit is extra money if you’ve got some savings or your income is higher than the basic State Pension. It’s only available to people who reached State Pension age before 6 April 2016. You could get up to:
If you’re eligible, Pension Credit will not only give you a bit of extra cash, it could also help you get other benefits too:
You have nothing to lose by applying, but potentially a lot to gain.
The eligible age for Guarantee Credit is gradually rising. See our chart below to find out when you might become eligible.
5 July 1953 and earlier
If you’re an eligible age, you can claim Guarantee Credit if your weekly income is less than £159.35 if you’re single, or £243.25 if you’re a couple.
If you’re an eligible age, but your weekly income is higher than these thresholds, you may still claim Guarantee Credit if you meet one of the following criteria:
Only people who’ve reached State Pension age before 6 April 2016 may be eligible to claim the Savings Credit part of Pension Credit.
Make sure you’ve reached the qualifying age by checking the table of dates above, by using our benefits calculator or the gov.uk calculator.
Find out which benefits you're eligible for
Call the Pension Credit claim line on 0800 99 1234 (textphone: 0800 169 0133). They will fill in the application for you over the phone. It’ll be quicker if you have the following details to hand:
If you need help, speak to your local Age UK for help with claiming Pension Credit.
For more information:
Call Age UK Advice: 0800 169 2081
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