Pension Credit

four older people talking outdoors

The amount of unclaimed Pension Credit is estimated to lie in the range of £1.2m to £2.3m per week in Northern Ireland. Up to 86,000 older people who are entitled to it are not claiming it. You could be missing out on hundreds, even thousands per 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 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. It provides up to an additional £20.52 for single people or £27.09 for couples.

Can I claim it?

  • The minimum age to qualify for Guarantee Credit is gradually rising from age 60. If you reach 60 after 6 April 2010, you may need to check when you qualify by calling the Age NI Advice Service or the Pension Service. The minimum age for Savings Credit is 65.
  • Generally, you could receive Guarantee Credit if your weekly income is less than £145.40 if you’re single or £225.05 if you’re a couple.
  • You may get some Savings Credit if you have a higher weekly income – normally up to around £189 if you’re single or £278 if you’re a couple.
  • All these amounts could be much higher if you are severely disabled, a carer, or a homeowner with a mortgage or service charges.
  • There is no savings limit for Pension Credit but if you have over £10,000 this will reduce the amount you receive.
  • It is worth claiming Pension Credit even if you are only entitled to a small amount as it can help you qualify for other benefits.

How do I claim?

You can claim Pension Credit by calling the Pension Service on 0808 100 6165. They will ask you questions over the phone and fill the form in for you. Alternatively, you could ask them to send you a form to fill in at home, or download a form below. 

opens link in new window SSA Pension Credit Application Form PC1

opens link in new window SSA Pension Credit Application Form PC1H continued

opens link in new window SSA Pension Credit Application Form PC1F completion notes

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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.

'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.

'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.'  

After filling out the forms Terry and his wife were able to claim Pension Credit of £202.40 a week.

'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.'

Free benefit check

If you, or an older person you know needs advice, information or practical support on a wide range of issues including welfare benefits, community care, housing and health, contact the Age NI Advice Service on Freephone 0808 808 7575 to speak to a specialist advisor in confidence. Our advisors can provide a free benefit check to ensure that older people are accessing the benefits they are entitled to. 

Last year our Advice Service dealt with almost 14,000 calls from older people in need. Call the Age NI Advice Service today to make sure that you are receiving all the help and support available to you.

Your Age NI

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Age NI Advice:
0808 808 7575
Age NI Advice Line:
0808 808 7575
Let's talk money 

Money advice publications

More money in your pocket (PDF 360KB)
Guide to claiming benefits for people over pension age

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Colin Flinn

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