Pension Credit: Who Can Get It and Why Many Miss Out
Pension Credit is one of the most under-claimed benefits for older people. If your mum, dad or another relative has a modest income, it could be worth a call.
What is Pension Credit?
It is extra money for people over State Pension age on a low income. The main part, Guarantee Credit, tops weekly income up to £238 for a single person or £363.25 for a couple at the time of writing. You can get extra amounts if you are a carer, severely disabled or have certain housing costs.
You can claim even if you have some savings, other income or own your home.
What else it can unlock
Housing Benefit, if you rent
Council Tax Reduction
Cold Weather Payments
A free TV licence, if you are 75 or over
Help with NHS dental treatment, glasses and travel to hospital appointments
The Warm Home Discount Scheme
How to claim
Call the Pension Credit claim line on 0800 99 1234, Monday to Friday, 8am to 6pm. You can also apply online through GOV.UK or by post. A friend or family member can phone on your behalf. Have the National Insurance number, details of income and savings, and bank details to hand.
A claim can be backdated by up to 3 months, so it is worth applying sooner rather than later.
Need a hand at home?
If you are supporting a parent with the paperwork and the practical side, Essex Home Support offers non-medical home help from £27 an hour with no contract. See our services or call 07719 634112.
This article is general information, not benefits advice. Always check the latest amounts and rules on GOV.UK.
