Pension Credit gives you extra money to help with your living costs if you’re over State Pension age and on a low income.
Latest figures show that up to 880,000 households across the UK may be missing out on support worth on average over £3,900 a year.
Pension Credit also opens doors to other support, including the Winter Fuel Payment, help with housing costs, council tax and heating bills.
You can claim Pension Credit if you’re of State Pension age and on a low income. You must live in England, Scotland or Wales to qualify.
Pension Credit is separate from your State Pension, and savings, a private pension or owning a home are not necessarily barriers to receiving it.
When you apply for Pension Credit your income is calculated. If you have a partner, your income is calculated together.
If your income is higher, you may still be eligible for Pension Credit if you have a disability, care for someone, or have housing costs.
Thanks to the Pension Credit backdating rules, it is possible to apply for Pension Credit and have the claim backdated by up to 3 months as long as there is entitlement during that time. This means that the latest date to apply and still qualify for a Winter Fuel Payment is 21 December 2024.
Use the Pension Credit calculator to find out how much Pension Credit someone could get – without giving any personal details.
Check your eligibility at www.gov.uk/pension-credit or by calling 0800 99 1234