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Are you missing out on Pension Credit?

older man laughing

Published on 19 February 2021 05:50 PM

Pension Credit is worth £1,000s and often entitles you to a free TV licence, Council Tax discounts, and more. However, 1 million households are failing to claim pension credit. Are you missing out?

Pension Credit is worth an average of £60 per week, which can make a substantial difference to your income. Claiming makes you eligible for discounts on several other bills, some of which will rise in April. Claiming Pension Credit also makes you entitled to heating help when it’s very cold.

It’s important to remember, Pension Credit is not automatic. Around 1 million eligible people don’t claim, make sure you don’t miss out.

How much could you get?

Pension Credit can be worth around £3,000 per year on average. State pension tops up pensions, savings income and work. If you’re a single person earning less than £173.75 per week, or a couple earning less than £265.20 per week, then you could claim Pension Credit.

If you’ve been financially affected by COVID-19, you may also be entitled to claim Pension Credit.

What other benefits are there?

As we mentioned earlier, Pension Credit can also make you eligible for other discounts.

With the cold weather we’ve been having, and will likely continue to have, there are two crucial additional benefits. Cold Weather Payments worth £25 per week, and Warm Home Discounts worth £140 per year. We’ve all been spending more time indoors lately which will mean most of us are using more energy, so these discounts can have a huge impact on your energy bills.

Other benefits include;

  • Free TV licence for over 75s. Currently worth £157.50 per year, rising to £159 per year from April.
  • Council Tax reduction. Typically worth around £1,000 per year. Many councils are expected to raise rates in April.
  • Free dental care, potentially worth £100s.
  • Voucher for glasses or contact lenses. Worth between £39 and £215 depending on your prescription.
  • Housing benefit, worth £1,000s per year for some.

For a full rundown of all of the benefits of Pension Credit, visit

How we’ve helped other customers

In 2019, we helped our customers access over £1.7 million in unclaimed benefits, and we have continued to help customers throughout 2020 and 2021.

We recently helped Pat claim for several benefits and were able to increase her Pension Credit.

Our Information & Advice Officer initially visited with Pat to help make claims for Housing Benefit and Council Tax Support. While there, our adviser noticed that Pat might also qualify for Attendance Allowance (AA). Our adviser also explained that a successful AA claim would lead to an increase in Pat’s Pension Credit.

Pat was a little sceptical at first as she had been informed by other people that she wouldn’t qualify for AA, but our adviser convinced her there was no harm in trying, and a further visit was booked to claim this for Pat.

The claim for Attendance Allowance was successful and Pat was awarded the higher rate which gave a weekly amount of £89.15. This was backdated which meant she had some money in her bank account for the first time in a while.

As explained by our adviser, Pat now qualified for extra money on her Pension Credit which was an additional £66.95 paid weekly. There was also another backdated amount for this.

How to claim

Pension credit is not automatic, so you must claim. We can help you claim pension credit, and also provide you with a free benefit check over the phone. This will ensure you aren’t missing out on other support that you’re entitled to.

For your free benefit check, call our Customer Service Team on 0191 280 8484 Option 1.

Information and Advice

For free information and advice on all issues affecting older people