If you're over State Pension age, you may be entitled to extra financial support through Pension Credit. This could unlock additional benefits such as the Winter Fuel Payment and access to other valuable support.
It only takes five minutes to check if you qualify using the government's Pension Credit eligibility checker online.
Pension Credit is designed to boost your weekly income. Even if you have savings, own your home, are still working, or receive a small occupational pension, you could still be eligible - so it’s definitely worth checking!
Why claim Pension Credit?
Many people assume they don’t qualify for Pension Credit, especially if they’ve been turned down in the past or have other forms of income. But circumstances change, and even if you own your home or have savings, you might still be entitled to this extra support.
Two types of Pension Credit
Guarantee Credit: This tops up your weekly income if it's below a certain level, whether you're single or part of a couple. You can check the latest income thresholds on the GOV.UK website.
Savings Credit: If you’ve saved some money for your retirement, this can provide a small extra payment. While Savings Credit is only available to those who reached State Pension age before April 6, 2016, it’s still worth checking if you can claim.
How much could you receive?
Use the Pension Credit calculator to see how much you might be able to claim. It’s quick, free, and could help bring in extra income. Find out more using the Pension Credit Calculator.
How to apply
There are several ways to apply for Pension Credit:
Online: The quickest way to apply for Pension Credit is on the Pension Credit: How to claim webpage on Gov.uk.
By Phone: Call 0800 99 1234 between 8am and 6pm, Monday to Friday, or textphone 0800 169 0133 if you're hard of hearing.
You’ll need your National Insurance number, income details, savings information, and bank account details to apply.
