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Pension Credit

Almost half of all pensioners are entitled to Pension Credit, yet around a third of those eligible are not claiming it.

There are two parts to Pension Credit – you may be eligible to receive one or both of them. Please note you can’t claim Savings Credit if you reach State Pension age after 6 April 2016.

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

It’s worth claiming Pension Credit even if you’re only entitled to a small amount as it can help you qualify for other benefits such as Housing Benefit.

Can I claim it?

The minimum age to qualify for Guarantee Credit is gradually rising. In April 2018, it is 65 years. You can check when you qualify by calling the Age NI Advice and Advocacy Service or the Northern Ireland Pension Centre (see ‘How do I claim?’).

  • If you live with a partner, only one of you can claim Pension Credit and you will be assessed as a couple.
  • Generally, you could receive Guarantee Credit if your weekly income is less than £163.00 if you’re single or £248.80 if you’re a couple.
  • There is no savings limit for Guarantee Credit, but if you have over £10,000 it will affect the amount you receive.

All these amounts could be much higher if you have a severe disability or are a carer.

How do I claim?

You can claim Pension Credit by calling the Northern Ireland Pension Centre. They will ask you questions over the phone and fill in the form for you.
Alternatively, you could ask them to send you a form to fill in at home.

If you need help with the form, contact the Age NI Advice and Advocacy Service on freephone 0808 808 7575.

Boost your income

Find out which benefits you're eligible to claim.

Age NI Advice Service

Every year our Advice Service deals with thousands of calls from older people in need. Call us today to make sure that you are receiving all the help and support available to you.

Call freephone 0808 808 7575
8am – 7pm 365 days a year


Last updated: Sep 11 2018

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