Pension Credit gives you extra money to help with your living costs if you are over State Pension age and on a low income. Pension Credit can also help with housing costs such as ground rent or services charges. Pension Credit is separate from your state pension. You can get Pension Credit even if you have other income, savings or own your own home.
You must live in England, Scotland or Wales and have reached state pension age. If you have a partner you must include your partner on your application. You will be eligible if either you and your partner have both reached state pension age or one of you is getting housing benefits for people over state pension age.
A partner is either:
Your husband, wife or civil partner – if you live with them
Someone you live with as a couple, without being married or in a civil partnership
When you apply for Pension Credit your income is calculated. If you have a partner, your income is calculated together.
Pension Credit tops up:
Your weekly income to £177.10 if you are single
Your joint weekly income to £270.30 if you have a partner
Please check on the following link to ensure that these amounts are still correct: https://www.gov.uk/pension-credit
If your income is higher, you might still be eligible for Pension Credit if you have a disability, you care for someone, you have savings or you have housing costs.
What Counts As Income
Your income includes:
Earnings from employment and self-employment
Most social security benefits e.g. Carer's Allowance
What Does Not Count as Income
Not all benefits are counted as income. For example, the following are not counted:
Disability Living Allowance
Personal Independence Payment
Social fund payments like Winter Fuel Allowance
Council Tax Reduction
Your Savings and investments
If you have £10,000 or less in savings and investments this will not affect your Pension Credit. If you have more than £10,000 every £500 over £10,000 counts as £1 income a week. For example, if you have £11,000 in savings, this counts as £2 income a week.
You could get additional payments if:
You have a severe disability
You care for another adult
You are responsible for children or young people
You have housing costs e.g. ground rent, service charges
How to Claim
You can start your application up to 4 months before you reach the state pension age.
You can apply any time after you reach State Pension age but your application can only be backdated by 3 months.
In order to complete your application, you will need the following information about you and your partner (if you have one)
National Insurance number
Information about any income, savings and investments you have
Your bank account details
You can apply online
, by phone (0800 991 234) or by post
If you need help completing this form, contact us on 01440 712950 or email firstname.lastname@example.org