The Department for Work and Pensions (DWP) will be sending letters to millions of households this October regarding help with winter energy bills. With the Warm Home Discount, low-earning pensioners and households will get a £150 reduction on their bills.

People can apply for the Warm Home Discount at any time between October and March. The DWP will be reaching out to people who qualify for the support in the next few weeks, reports BirminghamLive.

The letters will provide additional information regarding the one-off discount scheme and what can be expected from it. The reduction will apply directly on bills rather than taking the form of a payment, it can alternatively be sent in the form of vouchers. It should be issued automatically for most people.

Pensioners on the Guarantee Credit element of Pension Credit will also receive it, together with low earning households who struggle with their energy bills. The Age UK charity explained: “The Warm Home Discount is a one-off payment of £150 to help with the cost of energy during the winter. It's designed to make things a bit easier if you're living on a low income or pension.

“If your electricity supplier is part of the Warm Home Discount scheme then you don't need to apply for it – you'll get the payment automatically if you or your partner receive the Guarantee Credit portion of Pension Credit, or another qualifying benefit, and have high energy costs. Getting a Warm Home Discount doesn't affect your entitlement to a Winter Fuel Payment or the Cold Weather Payment.”

It also added that the majority of eligible households will get the Warm Home Discount automatically. If you qualify, you're likely to receive a letter informing you about the discount. Your electricity supplier will then automatically apply the reduction to your energy bill by the end of March.

“This is different from previous years when you had to claim the money from your supplier if you weren't claiming the Guarantee Credit portion of Pension Credit.”

The campaign started right after Chancellor Rachel Reeves announced the changes at the end of July, with the policy adjustment taking effect on September 16, reports Daily Record.

Millions of Pensioners at Risk as Winter Fuel Payments Eligibility Rules Change

The eligibility rule change date was set to coincide with the beginning of the qualifying week for this year’s Winter Fuel Payment, September 16 to 22. Despite the Parliament's strong opposition last week, Labour’s plans passed. This implies that around 10 million pensioners; including 850,000 in Scotland, will miss out on energy bill assistance worth up to £300, unless they qualify for an income-related benefit like Pension Credit.

Age UK’s petition warns the eligibility rule change will affect millions of pensioners who rely on the additional financial assistance to cope with the growing heating costs during the winter months.

The charity stated: “We strongly oppose the means-testing of the Winter Fuel Payment because it means as many as 2 million pensioners who badly need the money to stay warm this winter will not receive it and will be in serious trouble as a result.

“Means-testing the Winter Fuel Payment, with no notice and no compensatory measures to protect poor and vulnerable pensioners, is the wrong policy choice, and one that will potentially jeopardise the health as well as the finances of millions of older people this winter — the last thing either they or the NHS needs.”

Winter Fuel Payment Cutbacks Spark Push for Pension Credit

It's worth noting that the rule change will impact pensioners all over Scottland, England, and Wales Northern Ireland and even those who live abroad.

It also implies that the introduction of Pension Age Winter Heating Payment, which will replace Winter Fuel Payment for Scottish pensioners, has been delayed until winter 2025/26.

The Department for Work and Pensions (DWP) launched a new campaign that aims to boost the adoption of Pension Credit, which represents an entry-level benefit for Pension Credit and extra help with Council Tax and housing costs.

They are also collaborating with local authorities all over Great Britain in order to connect Housing Benefit with Pension Credit. Claimants who can potentially qualify for Pension Credit will be invited to submit their applications for the benefit.

Sir Keir Starmer and Chancellor Rachel Reeves insist on the importance of the decision, which according to them will help address a £22 billion ‘black hole’ the Conservatives left behind. Nearly 71% of disabled pensioners and 83% of those aged 80 or over are now set to lose the payment. People will only get the money if they meet the qualifying criteria.

Pension Credit and Winter Fuel Payments

Pensions Minister Emma Reynolds clarified in a written response to Labour MP Sarah Champion that pensioners on Attendance Allowance and with limited incomes could be eligible for Pension Credit, provided all criteria are met. She emphasized that low-income pensioners receiving Attendance Allowance may receive extra financial support through Pension Credit.

Reynolds further explained that Attendance Allowance is determined by a person's ongoing need for personal care or supervision rather than a specific medical condition. This benefit is non-contributory, tax-free, and unaffected by other income or savings. Winter Fuel Payments will continue for households where someone receives Pension Credit or other income-related benefits, offering £200 for eligible households or £300 for those with members aged 80 and over.

Applications for Pension Credit filed by December 21, 2024, may qualify for a backdated Winter Fuel Payment.

A Highly Under-Claimed Benefit

Pension Credit remains under-claimed despite its importance, with around 1.4 million older adults in Great Britain, including over 125,000 in Scotland, currently benefiting from it. This benefit can provide up to £4,000 of extra financial support annually, yet approximately 880,000 eligible pensioners are not claiming it.

Many pensioners mistakenly believe that their savings or homeownership disqualify them from receiving this support. However, even an award of £1 per week can unlock further assistance, including help with housing costs, heating bills, and Council Tax.

Who Should Check Eligibility for Pension Credit?

There are two forms of Pension Credit: Guarantee Credit and Savings Credit.

Guarantee Pension Credit

To qualify, you must:

• Be of State Pension age (66).
• Have a weekly income below £218.15 (single) or £332.95 (couple). These amounts may increase if you are disabled, a carer, or have certain housing costs.

Savings Credit

Eligibility requires that you:

• Reached State Pension age before April 6, 2016, or have a partner who did.
• Have qualifying income of at least £189.80 a week (single) or £301.22 a week (couple).

Pension Credit Payment Amounts

• Guarantee Credit tops up income to £218.15 a week for a single person or £332.95 for a couple.
• Savings Credit offers up to £17.01 a week for a single person and £19.04 for a couple, depending on income and savings. Income is calculated based on savings above £10,000.

How to Check Eligibility for Pension Credit

To determine eligibility, older individuals or their loved ones can use the Pension Credit calculator on the GOV.UK website. Alternatively, claims can be made by calling the Pension Credit helpline at 0800 99 1234, open Monday to Friday from 8 am to 6 pm. Additional support is available from Independent Age, Income Max, Citizens Advice, and Age UK.

State Pension Cuts Could Extend to Concessionary Benefits in Upcoming Autumn Budget

According to Daily Record, some 10 million retirees are going to miss out on annual heating bill assistance valued between £100 and £300 because they do not receive an income-related benefit such as Pension Credit.

Following the Prime Minister's recent response, pension cuts may not end there. During Prime Minister's Questions on Wednesday, Conservative MP Louie French described the cutbacks in Winter Fuel Payments as a “disgraceful political decision” before urging him to “rule out scrapping concessionary travel fares and Council Tax discounts, which also help millions of pensioners across the UK”.

Nevertheless, Sir Keir opted out of answering the questions and responded saying: “I am not going to pre-empt the Budget. It will all be set out in due course.”

Both the Prime Minister and Chancellor Rachel Reeves have been hinting at further cuts in an attempt to restore economic balance in the government's budget, but neither has indicated where they could come. There is growing speculation that the Autumn Budget on October 30 may include changes to Capital Gains Tax, Inheritance Tax, the ISA allowance, and the personal savings allowance.

Council Tax and Travel Changes Unlikely to Affect Scotland's Devolved Schemes

According to The Telegraph, council tax is another option under consideration; however, it is unclear how any changes will effect residents in Scotland, as banding is determined by the Scottish Government.

Similarly, if adjustments to concessionary travel are brought about, they are unlikely to impact those living in Scotland because the scheme is also set up and run by devolved authority.

In Scotland, the National Entitlement Card (NEC) grants access to a range of public services, including free bus travel for seniors and disabled individuals. The Strathclyde Concessionary Travel Scheme also provides discounts on train, subway, and ferry journeys.

For those aged 60 and above, the card is lifelong, provided they remain in Scotland. However, for others, particularly those with disabilities, the card is typically valid for three years before requiring renewal.

In England, the concessionary travel scheme offers free local bus travel exclusively to elderly and disabled people on bus routes within the country.

DWP Faces Criticism Over Winter Fuel Payments and Pension Credit Eligibility

In a few days, only individuals over State Pension age who are receiving income-related benefits, such as Pension Credit, Tax Credits, and other means-tested support will be eligible for the Winter Fuel Payments.

Consequently, around 10 million pensioners, including 850,000 in Scotland, will not get the annual heating assistance. Labour MP Rachel Maskell has criticised the move, urging the DWP to explore other options, such as basing payments on Council Tax bands or linking them to tax payments.

Pensions Minister Emma Renolds issued a written response on Thursday stating that Winter Fuel Payments based on Council Tax banding “would not be possible”, she also added that “Council Tax banding is not always an accurate reflection of someone’s income”.

Ms Reynolds responded to the plan to tax winter fuel payments by saying:“Matters of taxation are for His Majesty’s Treasury. The tax treatment of social security benefits is based on the type of payment and why it is provided.

“In general, benefits that are designed to replace income are taxable, including the State Pension. Benefits that meet specific costs, such as Winter Fuel Payments, are not taxable.”

In a separate written question, Ms Maskell called on the Department for Work and Pensions (DWP) to “contact every pensioner on Housing Benefit to encourage them to take up Pension Credit”.

The Pensions Minister replied: “The Deputy Prime Minister and the Secretary of State for Work and Pensions wrote to all local authorities on 20th August.

“We are asking that local authorities support our national Pension Credit campaign and help us reach those eligible pensioners who have not claimed Pension Credit, so they continue to receive an annual Winter Fuel Payment.”

She noted that, following last year's 'Invitation to Claim' pilot, the DWP will contact around 120,000 senior households who receive Housing Benefit and may be entitled for, but aren't yet claiming, Pension Credit.

She also stated that they will be encouraging households to apply for Pension Credit before the 21 December backdating deadline to ensure that eligible applicants also qualify for a Winter Fuel Payment.

DWP Launches Campaign to Boost Pension Credit Take-Up Amid Winter Fuel Payment Changes

Replying to a number of written questions from MPs worried about the Winter Fuel Payment adjustment, the Pensions Ministers emphasised that the DWP is working with "external partners, local authorities, and the devolved governments to boost the take-up of Pension Credit".

However, while addressing a written inquiry from Democratic Unionist Party MP Gregory Campbell, she was unable to specify how many seniors she would like to see sign up for a nationwide TV and radio campaign that begins on Monday.

Ms Reynolds replied: “No targets have been set, the Government wants everyone eligible for Pension Credit, but not currently claiming it, to receive the benefits they are entitled to.

“DWP launched the Pension Credit Week of Action on September 2, joining forces with national charities, broadcasters and local authorities to encourage pensioners to check their eligibility and make a claim.

“From September 16, we will be running a national marketing campaign on a range of channels. The campaign will target potential pension-age customers, as well as friends and family who can encourage and support them to apply.

“Our future campaign messaging will also focus on encouraging pensioners to apply for pension credit before December 21 2024, which is the last date for making a successful backdated claim for Pension Credit in order to receive a winter fuel payment.”

Pensioners Born Before September 22, 1958 Eligible for Winter Fuel Payment

Retired people on Pension Credit and other qualifying benefits are eligible for the Winter Fuel Payment. This year, however, not all pensioners will be able to get the money like they used to. Those eligible will receive the payment in November or around Christmas time.

The payment is meant to assist the most impoverished pensioners born before September 22, 1958 pay for their heating bills during the cold season. However, the Labour Government's decision to cut the payments for many has stirred indignation.

Pensioners Urged to Check their Eligibility for Pension Credit

Pensioners who do not receive Pension Credit are being urged to check if they qualify for it, as it represents a major qualifying benefit. As many as 900,000 people are not claiming Pension Credit even though they are eligible for it, this implies that many will not be able to claim the Winter Fuel Payment.

Age UK stated: “The Winter Fuel Payment is an annual payment to help you with heating costs during the colder months. The Government announced in July 2024 that, from this year onwards, to be eligible you must have reached state pension age and also receive a qualifying means-tested benefit.

“Winter Fuel Payment is an annual tax-free payment for households that include someone born on or before September 22, 1958 (for 2024-25) and, from 2024 onwards, receive Pension Credit, Universal Credit, Income Support, income-based Jobseeker’s Allowance or income-related Employment and Support Allowance, or an award of Child Tax Credit or Working Tax Credit of at least £26 for the tax year 2024-25.

“If you are over state pension age and receive a qualifying benefit, you could get £200 towards your bills. If you are over 80, you could get £300 to help with your bills in winter this year. Payments are made to the person claiming the benefit and are for the household.”

However, this amount is still far below  what is required to provide a decent retirement. Even worse, many people will not receive the full amount.

State Pension Increase of £460 Next April, But Older Pensioners to Miss Out on £107

According to Express, millions of retirees will receive thousands of pounds per year less. Some will receive as little as half of that amount, prompting resentment and bewilderment among many pensioners.

With the triple lock, the state pension increases annually in accordance with wages, inflation, or 2.5%, whichever is higher. Earnings have beaten inflationlately to climb by 4% between May and July, and are anticipated to drive next year's gain.These are the three months used to calculate the forthcoming triple lock rise. That means an additional £460 in the coffers of individuals who receive the maximum amount.

SunLife's CEO Mark Screeton highlighted how this is insufficient to fund a comfortable retirement. According to the Pensions and Lifetime Savings Association, "A single person needs £14,400 a year just to achieve a minimum standard of living in retirement. A moderate standard requires £31,300.”

The worst part of it all is that not everyone is eligible for the entire new state pension. Approximately nine million people who retired before April 6, 2016, continue to receive the previous basic state pension.

They receive a maximum of £8,814 this year, which is £2,688 less than today's full new state pension. A 4% raise would bring that to little about £9,167 next April. That is an increase of £353. This is £107 lower than those who will receive the new state pension. The disparity between the two will have expanded yet again. It will cost an astounding £2,795.

Older State Pensioners Facing Widening Pension Gap and Benefit Losses

Many older pensioners receiving the minimal state pension feel mistreated. Especially when the gap between the basic and new state pensions would expand year after year.

Both pensions rise by the same the amount under the triple lock, but the new state pension has a greater starting point, so each year's increase is more valuable in financial terms. In the near future, the state pension gap will exceed £3,000 per year. And it will not end there.

Nonetheless, many people get more from the basic state pension. That's because they received supplementary state pensions, such as the state second pension (S2P) or the state-earnings-related pension system (SERPS).

Typically, older males perform better because they are more likely to work and pay national insurance (NI), which increases their supplementary entitlement. Older women, who were far less likely to work and contribute to NI, frequently survive on a poor pension.

Older people are not the only ones falling between the cracks. According to new data, many people receiving the new state pension are suffering because they did not make enough NI contributions or NI credits.

A mere fifty percent of the 3.5 million claimants of the new state pension receive the entire amount. An estimated 150,000 elderly receive less than £5,000 each year.

Sarah Pennells, a consumer finance specialist at Royal London, cited gaps in their NI record. "Some had low earnings, while others were either unemployed but didn't claim benefits, or worked abroad."

While many can make up the difference by applying for means-tested top-up Pension Credit, nearly a million people who are eligible do not do so.

In addition, chancellor Rachel Reeves has announced that they would no longer get their Winter Fuel Payment. This will cost them an additional £200, or £300 if they are over 80.

And when colder weather approaches, seniors will lose more than just governmental help. As I previously documented, some of the poorest retirees might lose up to £900 in cost-of-living allowances provided by the Conservatives but not by Labour. Losing these benefits might cancel out next year's triple lock increase, making millions of retirees feel worse in actual terms.

DWP Announces New PIP Assessment Changes for Midlands and Wales

PIP and Universal Credit recipients will witness changes to their assessments as new companies take over the task. Capita will be in charge of the health assessment beginning September 7, 2024, reports BirminghamLive.

These are currently undergoing considerable changes following the award of new contracts, which transfer responsibility for every assessment in any particular area to the same business. It is the first step towards the implementation of a new national Health Assessment Service in the course of five years.

Claimants are encouraged to adhere to the directions provided in their appointment letter. In case you've lost your letter or are unsure who your provider is, you can look up your area or postcode.

Midlands and Wales

Midlands and Wales cover the following postcodes:

• B (except B14, B17, B19 and B78 which have PIP assessments provided by DWP)
• CH1
• CH4
• CH5
• CH6
• CH7
• CH8
• CF
• CV
• DE
• DY
• GL16
• HR
• LD
• LE
• LL
• LN
• NG
• NN
• NP
• PE
• SA
• ST
• SY
• TF
• WR
• WS
• WV

This comes ahead of a crucial vote as the Labour Party debates welfare cuts proposed by the Department for Work and Pensions (DWP). These cuts are expected to focus solely on Pension Credit recipients, a move that has sparked concern among members of Parliament.

Concerns Over Health and Welfare

Rachael Maskell, a Labour MP, voiced her apprehension in The Telegraph, particularly about the health risks for those impacted by these cuts. She remarked:

"We know that being cold leads to stroke, heart attacks, pneumonia, hyperthermia and so much more as the body wrestles to keep warm, and viruses prey on the frail."

She further warned that removing winter fuel payments for those in fuel poverty could result in a significant rise in preventable deaths during the colder months.

Internal Tensions and Growing Dissent

There is also growing unrest within the Labour Party. One MP expressed their dissatisfaction with the decision to maintain policies like the two-child benefit cap and the proposed cuts to winter fuel payments, saying:

"There's people right across the political divide who are very unhappy. They need to consider a u-turn over the winter fuel payments. I think this is going to ramp up, there's a lot of angry people out there."

Triple Lock and Government Support Measures

Commons leader Lucy Powell defended the government's position, attributing the tough decisions to the economic situation inherited from the previous administration. She noted that while the winter fuel payment is now subject to means testing, the government is committed to supporting pensioners through various measures:

• The Triple Lock increase, which raised state pensions by £900 this year.
• The Warm Home Discount, worth £150.
• The extension of the Household Support Fund.
• A nationwide campaign to ensure eligible pensioners receive Pension Credit.

Powell also highlighted that a parliamentary vote on the winter fuel payment is scheduled for next week, emphasizing the importance of debate and transparency:

"We are not afraid to have the debate about how we have got to where we have got to... because we respect Parliament and we respect doing things properly."

Significant Impact on Eligibility

The changes to the Winter Fuel Payment will drastically reduce the number of pensioners who qualify, from 11.4 million to just 1.5 million under the new criteria. This move is projected to save the Treasury around £1.4 billion this financial year, a key factor in the government's financial strategy.

Martin Lewis Urges State Pensioners to Claim Pension Credit Amid Winter Support Cuts

Many state pensioners are set to face a particularly challenging winter this year as the Winter Fuel Allowance transitioned to a means-tested benefit, so those who previously received the £300 handout would no longer be eligible.

With the £300 Cost of Living payment for pensioners being cut, many will face winter with less financial support. According to Express, Martin Lewis is urging people receiving a state pension to check if they qualify for Pension Credit to at least claim back £300 this winter through a single phone call.

Martin Lewis states: “It’s become more crucial than ever [to claim Pension Credit] because that Winter Fuel Payment that up to £300 payment that did to go every pensioner is now dependent on Pension Credit.

“So, Pension Credit, now I’ve been shouting about this here and everywhere and on my site for many years and it is chronically underclaimed.

“So the most important thing I can say to everybody watching who may be eligible is those over 66 but also right across society, is many of our most vulnerable people are not claiming this crucial payment and we collectively have a responsibility to try and let them know about it.”

State Pensioners Advised to Check Income Levels for Pension Credit Eligibility

The finance expert emphasized that single pensioners earning less than £235 per week and couples receiving less than £350 should check as they could be entitled to the payment.

Those who don't claim the state pension and who receive Pension Credit equivalent to the full amount would then get £218 a week, amounting to £11,300 a year.

He went on to say “If you’re a single pensioner and you have total weekly income under £218 a week, you will likely get it, if it’s under £235 a week you will maybe get it but it’s still worth checking.

“If you’re a couple - both of you are state pensioners living together - then my rule is you should check if it’s under £350 total weekly income.

“Under £333 you’re likely to get it, under £350 there’s a chance.

“If you’re a state pensioner and your partner isn’t a state pensioner you can’t get it this way but you may still be eligible if your partner is claiming Universal Credit.

“The most complicated thing is, total weekly income is any money from work, private pension, state pension and any benefits are included, plus if you have over £10,000 savings or investments, then for every £500 you are over that they count that as £1 a week income.

“Which actually works out at a 10 percent return, chance’d be a fine thing.”

How the Energy Discount Works

If you’re eligible, the £150 discount will be applied directly to your energy account by your supplier. For prepay meter customers, the discount is provided in the form of a top-up voucher. In Scotland, individuals on a low income must apply for the scheme, while in England and Wales, most eligible customers receive the discount automatically. It's important to note that this benefit does not extend to residents in Northern Ireland.

In addition to electricity discounts, some households may also apply the Warm Home Discount to their gas bill, provided they receive both gas and electricity services from the same supplier and meet the eligibility criteria.

Who Qualifies for the Warm Home Discount?

Eligibility for the £150 discount falls into two main categories:

• Core Group 1: In England, Wales, and Scotland, this includes households where either the recipient or their partner receives the Guarantee Credit portion of Pension Credit.
• Core Group 2: This includes low-income households in England and Wales that claim certain benefits and have high energy costs. Most people in this group automatically receive the discount.

Eligible benefits include:

• Universal Credit
• Income Support
• Income-related Employment and Support Allowance (ESA)
• Income-based Jobseeker’s Allowance (JSA)
• Housing Benefit
• Child and Working Tax Credits
• Pension Credit Savings Credit (PCSC)

While the exact qualifying week for this year's scheme hasn’t been confirmed yet, it is expected to be similar to last year's date, which was August 13, 2023.

Participating Energy Providers

Not all energy suppliers are part of the Warm Home Discount scheme, so it’s important to check whether your provider is participating. Below is a list of suppliers that were part of last year's program, with the likelihood that they will participate again this year:

• British Gas
• EDF
• E.ON Next
• Octopus Energy
• ScottishPower
• OVO
• Shell Energy Retail
• Utilita
• Utility Warehouse

This list includes over 25 providers, including smaller companies like Bulb Energy, Co-op Energy, and Good Energy. However, participation has yet to be officially confirmed for this year.

Next Steps

If you think you’re eligible for the Warm Home Discount, watch out for a letter from your energy provider in the coming weeks. For those in Scotland on a low income, applications may be required. It’s a good idea to confirm with your energy supplier whether they are part of this year’s scheme.

Labour’s New Household Support Funding to Address Cost of Living Pressures

As reports BirminghamLive, Labour will supply an additional £421 million starting this October until the end of March. Work and Pensions Secretary, Liz Kendall MP, emphasized that this funding will be used to help those in need. She encouraged pensioners and others struggling with the cost of living over the colder months to contact their local council to explore available support options.

Regarding the extension to the Household Support Fund, Morgan Vine, Head of Policy and Influencing at Independent Age, stated: “Thankfully this fund will now be available through the winter months to support people of all ages in financial hardship with bills and other essential costs.”

Vine acknowledged the extension as a positive development but pointed out that “it won’t undo all of the potential damage that could be caused by means testing the Winter Fuel Payment, with millions of older people on a low income set to miss out on this vital support.” Vine also highlighted that people experiencing poverty in later life need “more money in their pocket now, as well as long-term strategic plans - such as the introduction of a national energy social tariff - to improve their future.”

Independent Age Urges UK Government to Reconsider Winter Fuel Payment Changes

In the short term, Independent Age is calling on the UK Government to “delay plans to tie the Winter Fuel Payment to Pension Credit as far too many older people in financial hardship will fall through the cracks.” Vine noted that “currently there are up to 1.2 million eligible older people missing out on the Pension Credit they’re entitled to.”

Additionally, there is concern about “the large group of older people that are just above the Pension Credit eligibility threshold,” who face having their income cut at a challenging time of year with rising energy prices.

“We are ready to work with the UK Government to help identify solutions and reach older people living in poverty. Nobody in later life that needs financial support should be left behind,” Vine concluded.

Starting in September, assessments for benefits requiring functional health evaluations will be overseen by a single provider in each region. This marks a departure from the previous system, where multiple providers could be responsible for different types of assessments within the same area.

New Providers for Disability Benefits by Region

Under the new system, the following providers have been awarded regional contracts:

• Scotland and North England: Maximus UK Services Limited (replacing Atos)
• Midlands and Wales: Capita Business Services (continuing its current role)
• South West England: Serco (replacing Atos)
• South East England, London, and East Anglia: Ingeus UK Limited (replacing Atos)
• Northern Ireland: Capita Business Services (continuing its current role)

What Claimants Can Expect

Although the providers are changing, the assessment procedures will remain largely the same. All assessments must adhere to DWP guidelines, which aim to ensure consistency. However, the transition has raised concerns among some claimants, given the stressful nature of the assessment process.

Several key aspects of the current system will remain unchanged:

• Face-to-face appointments: These must occur within a 90-minute public transport journey from the claimant’s home, which is the maximum allowed under the DWP’s guidelines.
• Accessibility: Assessments will continue to take place in ground-floor locations that are easily accessible.
• Companions: Claimants are still allowed to bring someone with them to the assessment, who can provide additional evidence.
• Qualified professionals: Only therapists, nurses, physiotherapists, doctors, and paramedics (for PIP assessments) are authorized to conduct the evaluations.

Ongoing Back Payments for PIP Claimants

These changes come as thousands of PIP claimants are still awaiting back payments, with an average value of £5,000. This is the result of a Supreme Court decision that required the DWP to reassess certain claims following updates to the assessment criteria.

Changes to Winter Fuel Payment Eligibility

This winter marks a shift in eligibility for the Winter Fuel Payment; a payment that had previously been paid to all pensioners from 1997. The new regulations mean that the payment will only be made to those pensioners who meet the Pension Credit conditions, which leaves most of them high and dry.

Lewis estimated that out of about 880,000 pensioners who are entitled to claim pension credit support, around 500,000 are likely to miss out because they don’t claim the support. Not only will they forgo the Winter Fuel Payment, but they will also forfeit other incentives such as a free TV licence, reduction on the council tax, and help with energy bills.

How to Check Eligibility

Lewis urged pensioners to check with the Department for Work and Pensions (DWP) if they think they qualify for Pension Credit. This can be done online or over the phone. Individuals will need their National Insurance number and details of their income and savings on hand.

Pension Credit supplements a single pensioner’s weekly income to £218.15, or £332.95 for couples. Lewis advised that even pensioners earning slightly above these amounts should check their eligibility. For example, single pensioners earning under £235 or couples with a combined income of under £350 should still verify if they qualify.

Potential Impact of New Rules

The new eligibility requirements, announced by Chancellor Rachel Reeves, are part of broader government efforts to reduce a £22 billion deficit in public spending. Reeves expressed regret over the decision, attributing it to financial challenges inherited from the previous administration. However, many charities and advocates have criticized the narrow criteria, arguing it could leave numerous pensioners without essential winter support.

According to Lewis, the most vulnerable pensioners, particularly those with incomes under £11,400, are the only ones assured to receive the payment. He warned that many pensioners who rely on the Winter Fuel Payment to heat their homes during the colder months could face hardship, particularly those just above the Pension Credit threshold.

A significant issue is the chronic under-claiming of Pension Credit. Despite a recent government awareness campaign encouraging pensioners to check their eligibility, take-up rates have never exceeded two-thirds in the last decade.

Age UK estimates that around two million pensioners will lose access to the Winter Fuel Payment under the new rules, with nearly a million of these being slightly above the eligibility threshold.

Moreover, around 800,000 pensioners are entitled to Pension Credit but do not claim it, often due to lack of awareness, the complexity of the process, or stigma. Lewis noted that the recent increase in the Pension Credit threshold, which rose by 8.5% in April, makes it worthwhile for pensioners who were previously rejected to apply again.

Lewis’s Upcoming Meeting with the Chancellor

Martin Lewis, who has been vocal about the changes, is scheduled to meet with Chancellor Rachel Reeves next week to discuss the implications of the decision. In August, he urged ministers to reconsider, stressing that many pensioners who narrowly miss the income threshold will face significant challenges without the payment. He emphasized that the under-claiming of Pension Credit could leave those most in need in severe financial distress.

Charity organizations, such as Age UK, have echoed these concerns, warning that the new eligibility rules could leave millions of pensioners struggling to heat their homes during the winter months.

DWP Offers State Pensioners Extra Support to Ease Cost of Living Pressures

The Department for Work and Pensions (DWP) offers several benefits to help seniors manage the ongoing cost of living issue.

Along with weekly state pension payments that currently support over 12.6 million Britons aged 66 and older, pensioners also have access to various benefits such as free dental treatment, a free TV licence, and council tax discounts, according to the Express.

Council Tax Discount: £2,171

People receiving state pensions may be eligible for a Council Tax discount, which might result in major savings on their annual expenses. A person's eligibility for this discount is determined by variables including their income, where they live, and if a retired person lives alone or with individuals who are exempt from paying council tax.

People on a tight budget or receiving benefits such as Pension Credit are a greater probability to qualify, hence checking with your local council to see what assistance is available. The amount of discount differs, nevertheless some people are eligible for up to 100% off.

Free TV Licence: £169

People living in Britain aged 75 and over who receive Pension Credit are eligible for a free TV licence, which could potentially save £169 annually.

Those who have paid for a TV Licence when they were qualified for a free one may be entitled to a refund. TV Licensing stated that in certain cases, the refund will be processed as part of the application.

Free Dental Treatment: £282

Brits can get free dental care if they or their partner receive particular benefits, which could potentially save them hundreds of pounds each year. Qualifying benefits include:

• Income-based Jobseeker's Allowance
• Income-related Employment and Support Allowance
• Income Support
• Pension Credit Guarantee Credit
• Pension Credit Guarantee Credit with Savings Credit
• Universal Credit (depending on earnings)

Social tariffs: £234

A vast variety of broadband providers provide discounted social tariff packages, and according to Ofcom, monthly rates now range from £10 to £23.00. Social tariffs are available to persons with low incomes or who get specific benefits, and they are much less expensive than standard deals.

Free Bus Pass: £128

State pension recipients are entitled to free bus travel across the country, resulting in an average annual savings of £128 depending on the cost of bus tickets and how frequently pensioners use the free tickets.

Meanwhile, London residents over the age of 60 have free access to public transit, including trips on trains, buses, and the Underground.

Free Insulation: £1,000

The Great British Insulation Scheme may provide people with free or low-cost insulation to help them save money on their home's energy bills. Households may receive support if their home:

• Offers an energy performance certificate (EPC) from D to G (check EPC).
• Is in Council Tax bands A to D in England, or A to E in Scotland and Wales (see Council Tax band).

Water Bill Discounts: £160

According to Money Saving Expert (MSE), 5.7 million households could cut up to £160 on their water bills each year thanks to social tariff support schemes.

These initiatives are typically offered to people with a household income of below £17,005 (excluding benefits), or £21,749 if they reside in a London Borough.

Free Prescriptions: £118

People over the age of 60 can receive free prescriptions from the NHS, which can result in significant savings given this year's price increase.

If able to qualify, people can often access free medication from a pharmacy for mild illnesses through the NHS minor ailments plan.

Currently, the scheme is extensively offered in Northern Ireland, Wales, and Scotland, but only in a few pharmacies throughout England. The drugs covered by the system may also vary depending on where the person lives, thus it is recommended that consumers speak with their local pharmacy regarding the medications they offer.

Winter Fuel Payment Cuts Prompt Expanded Support from Energy Provider

Chancellor Rachel Reeves announced on July 29 that the payment, which ranges from £100 to £300, will now only be provided to around 1.5 million state pensioners who receive means-tested benefits like Pension Credit.

The recent eligibility changes imply that millions of pensioners who previously received the Winter Fuel Payment last year won't receive it this winter. However, Octopus Energy is extending its £30 million assistance fund to cover this winter, offering support to state pensioners who no longer qualify for the payment.

Octopus Energy’s ‘Octo Assist’ fund has already supported over 80,000 customers, including many pensioners. The financial aid is personalized to each person's situation, and applications for help can be submitted year-round.

Those who apply through the ‘Octo Assist’ fund can access discretionary credits of £50, £100, or £200.

The transfer of Winter Fuel Payment responsibilities for Scottish pensioners was planned for this year, but the rollout of the Pension Age Winter Payment has been delayed until 2025/26. Last month, the Scottish Government asserted that the new eligibility rules will also apply Scottish pensioners.

Octopus Energy Extends Support for Pensioners Amid Winter Fuel Payment Changes

Octopus Energy is also emphasizing that its rates are consistently set below the price cap, which is scheduled to rise by 10 percent on October 1. This approach saves customers from an estimated £150 million in additional energy costs each year.

Octopus Energy also provides a range of support services, including free electric blankets for customers, loans of heat loss cameras to detect and fix draughts, and personalized in-person energy-saving advice from energy helpers. Additionally, they offer 'savings sessions,' where customers can reduce their energy costs by using less power during peak times. Over the last two winters, more than 2 million participants have saved a total of £10.5 million through these sessions.

Greg Jackson, Founder of Octopus Energy Group, declared: “At times like this, we can’t expect the government to do everything - companies need to work hard on affordability too. That’s why we’ve expanded our Octo Assist fund to introduce extra support for the pensioners who need it most.

“There’s a lot of government and other support for pensioners but many don’t realise it - government data shows one in three pensioners eligible for pension credits are not claiming, so we’re training our team to help with this too."

The energy provider's advisers can also assist people in checking for unclaimed benefits such as Pension Credit.

DWP Introduces Unified Health Assessments for PIP, ESA, and Universal Credit

All benefits that need a functional health evaluation are bundled into a'single assessment'. This implies that PIP assessments, along with Work Capability Assessments for ESA and Universal Credit, will be conducted in the same method and at the same time.

The DWP is enlisting new companies to handle the process. The modifications, which are being implemented as part of the Health Transformation Programme, may cause concerns for those who must go through the onerous procedure, especially as it becomes increasingly difficult to obtain PIP payments in the conventional manner.

It is unlikely that new providers or system modifications will have a significant influence on claims. Around three million Britons receive PIP, which is granted to people who need assistance with daily duties.

Millions of PIP Claimants Face Uncertainty as DWP and Labour Consider Key Reforms

PIP is divided into two components: daily living (if you need help with ordinary tasks) and mobility. The assessment determines whether you receive one or both components, as well as the amount you receive. It is valued at £184 per week for those who receive both components. Millions of PIP claimants face uncertainty as a result of the shift.

Labour will have to determine whether to carry out key reforms promised by the previous government, such as removing payments for some people or replacing them with vouchers. A consultation on the ideas has concluded, and officials will now analyse input.

DWP Report Reveals Universal Credit Claimants Can Boost Earnings by Nearly £100

Benefit claimants with single contracts whose earnings fall below the administrative threshold are enrolled in the Intensive Work Search regime. They must engage in additional job search activities compared to those whose incomes exceed the threshold. These higher earners are placed in the Light Touch regime, which does not require them to meet specific work search obligations.

Claimants under the Intensive Work Search scheme, notably those who have presented evidence of a health condition that does not impair their capacity to work, are typically compelled to attend mandatory face-to-face work search reviews. These reviews occur weekly for the first 13 weeks, unless an exception is made, reports Birmingham Live.

The Effectiveness of Intensive Work Search in Boosting Earnings

DWP's findings reveal crucial differences between the Intensive Work Search and Light Touch regimes. Its report included: “The headline results show that claimants who began Universal Credit just below the threshold in the Intensive Work Search regime experienced higher earnings progression in the months afterwards, compared to those who joined just above in the Light Touch regime.

“After 12 months, the former group experienced approximately £100 higher earnings progression per month compared to the latter group, on average.” It also added: “Those who are below the AET are almost all in the Intensive Work Search regime,while those above are almost all in the Light Touch regime.

“Therefore, these results suggest that the Intensive regime can have positive impacts on the earnings progression of claimants who are in employment, but with low earnings. Although the effects take some time to emerge, they don’t appear to fall to zero in the timeframe observed.”

Applicants' commitments are adapted to their individual circumstances, taking into consideration care responsibilities and health issues, according to earlier explanations the DWP provided to claimants and benefit recipients.

Winter Fuel Payments Cut: Thousands Sign Petition Against Change

According to the Treasury the proposed changes would reduce the number of pensioners getting Winter Fuel Payments from 11.4 million to 1.5 million, resulting in just under 10 million missing out.

The change is expected to save £1.5 billion per year. However, Age UK has petitioned the government to reverse the decision, citing the potential impact on millions of pensioners' ability to heat their homes this winter. The petition has currently obtained over 453,000 signatures.

The petition states: “Cutting the Winter Fuel Payment this winter, with virtually no notice and no compensatory measures to protect poor and vulnerable pensioners, is the wrong policy decision. Millions of struggling pensioners won’t receive up to £300 they rely on to pay their bills.

“We believe as many as 2 million pensioners who find paying their energy bills a real stretch will be seriously hit by this cut: Those on low incomes who just miss out on Pension Credit, those with high energy needs because of disability or illness, the 800,000 who don’t receive the Pension Credit for which they are eligible.

“This cut is happening in England and Wales. In Scotland and NI decisions about the payment are devolved, and not yet clear, but it's likely that the UK Government will no longer provide the money to cover the cost of what pensioners in those nations receive now.

“The Government should halt their proposed change to the Winter Fuel Payment and think again.”

Who Can Receive Winter Fuel Payments this Year?

This winter, only those receiving Pension Credit or certain means-tested benefits will qualify for Winter Fuel Payments. If you live in England or Wales, you must be over 66 years old and receiving one of the following benefits to be eligible:

• Income Support
• Income-based Jobseeker's Allowance
• Pension Credit
• Income-related Employment and Support Allowance
• Universal Credit

This implies that if you claim the benefits below, you will not qualify this winter:

• Attendance Allowance
• Bereavement Support Payment
• Carer's Allowance
• Disability Living Allowance
• New style Employment and Support Allowance
• Personal Independence Payment
• State Pension

Inflation hit the Bank of England’s target of 2% in June for the first time in three years but climbed to 2.2% in July. While this is a significant drop from the peak of 11.1% in October 2022, it merely indicates a slower pace of rising costs, not a return to previous price levels.

Hearing that inflation is low might be good news to many of the people, but that does not mean the costs affordability is improving, rather it is just stagnated at that particular rate.

With nearly a million more people living in absolute poverty last year compared to the previous one, and millions more on the brink, the financial outlook for many UK households remains bleak.

However, there is help available. Here’s what you need to know about the financial support you can get this September.

September 2024 Benefits and Payments

Standard Benefits

In September, regular benefits and pension payments will proceed without interruption, as there are no bank holidays. These include:

• Universal Credit
• State pension
• Pension credit
• Child benefit
• Disability living allowance
• Personal independence payment
• Attendance allowance
• Carer’s allowance
• Employment support allowance
• Income support
• Jobseeker’s allowance

A report from Policy in Practice indicates that nearly £23 billion in benefits remain unclaimed annually. They provide a calculator to help determine potential entitlements. For detailed information on benefit payments, visit the government’s website.

Household Support Fund: Your Last Chance to Apply

Still struggling with household bills? The Household Support Fund (HSF), introduced in the spring Budget, has been extended until the end of September 2024. But don’t wait—local councils are in charge of distributing these funds, and they can choose how they allocate them. Whether it’s cash grants, supermarket vouchers, or help with energy bills, this could be a lifeline for your household.

To find out what assistance is available in your area, check with your local council or use the End Furniture Poverty charity’s assistance finder tool.

Other Financial Aid You Might Not Know About

There are other forms of help available that could make a real difference if you’re struggling to make ends meet:

• Budgeting advance loans: If you're on Universal Credit and face an emergency, you could borrow an advance of up to £812 (interest-free) to cover essential costs.
• Charitable grants: Depending on your situation—whether you’re disabled, a carer, unemployed, or more—you might qualify for a charitable grant. The charity Turn2us offers an online tool to help you find grants you may be eligible for.
• Energy provider assistance: Energy giants like British Gas, EDF, and Scottish Power offer help to customers struggling with their bills. British Gas even offers grants of up to £2,000 to customers of any energy provider.
• Council tax reduction: If you’re finding it hard to pay your council tax, you could be eligible for a discount of up to 100%. Contact your local council to see if you qualify for this essential support.

Don’t Miss Out on Free Childcare

Currently, working parents are entitled to 30 hours of free childcare for children aged 3 to 4. From 1 September, this measure will be extended to all children aged 9 months and over.

In order to take advantage of this, be sure to understand the process of applying before the formal onset of the September term, and also make sure to check if you are still eligible every three months.

Millions of Households at Risk of Losing Up to £8,400 in Benefits Due to Upcoming Deadlines

With the looming deadlines, millions of households risk losing up to £8,400 in benefits if they do not take immediate action. Families are therefore encouraged to claim these benefits immediately to ensure their continuous support in the coming years:

Child Benefit

Parents whose 16-19 year-old child is pursuing education or training have until Saturday to inform HM Revenue and Customs (HMRC) or risk having their Child Benefit payments cut.

This benefit is worth £102.40 per month for a single child and nearly £170 for two children, with an increase of around £67 per month for each additional child, and there is no limit to the number of children you can claim for until you go above the Benefit Cap.

Households with two children both in education, this can total £4,080 over two years. For households with two children who are both pursuing their studies for two years, this can amount to £4,080 within two years.

Even with just one child, 24 months of Child Benefit payments would total £2,457.60. If the child pursued a three-year course to the age of 19, the cost would be £3,686.40. For two children enrolled in a three-year study, the benefit can total £6,120. If this deadline is missed, thousands of pounds that could have been used to pay for educational fees could be lost.

Tax-Free Childcare

Households are also being urged to apply for a Tax-Free Childcare payout of up to £2,000 from HMRC by the deadline on Saturday, August 31.

Starting in September 2024, qualifying working parents with a child under the age of nine months will be entitled to 15 hours of childcare support. This is on top of the universal 15 hours, for a total of 30 hours of childcare when the child reaches the age of three or four.

This programme enables parents to get up to £2,000 annually per kid to help with childcare expenses, with the government contributing £2 for every £8 placed into an online account.

Winter Fuel Payment

The Winter Fuel Payment helps people with pensions deal with heating expenditures over the winter, offering from £100 to £300 to individuals who meet the eligibility requirements.

Formerly available to all UK residents over the state pension age, this year's payout is now limited to state pensioners who receive means-tested benefits such as Pension Credit. This reform, announced by Chancellor Rachel Reeves, will likely impact about 10 million people while saving the public purse £1.4 billion.

The qualifying week for the DWP's Winter Fuel Payment is September 16 through September 22. Those who are ineligible during this time will lose their winter benefits.

To receive the Winter Fuel Payment, people must check if they qualify for these benefits and submit an application before the qualifying week. Pension Credit is notably neglected, with an estimated 800,000 more people who are entitled but have not applied.

Adding together the highest sums, households in Britain might lose around £8,400 in benefits if they fail to apply before the deadlines for Child Benefit, Tax-Free Childcare, and Winter Fuel Payment.

A Major Shift in Winter Fuel Payment Eligibility

The move that indicates the first amendment in over two decades regarding this benefit has restricted access to Winter Fuel Payment – a vital lifeline for many elderly people grappling with heating costs. Introduced in 1997, this payment had provided sums of money up to £300 per household; however, now it is only offered to those on Pension Credit.

This decision was spearheaded by Chancellor Rachel Reeves, who was attempting to address what she termed a “multi-billion pound black hole” in public finances. Admittedly, she admitted that it was not an easy choice but maintained that such change was needed so as not surpass their expenditure plans and available funds.

The government’s awareness campaign comes as part of the annual Pension Credit Week of Action, set to kick off in September. The DWP has described Pension Credit as a “passport” to a broader range of financial assistance beyond just an income top-up.

In addition to the Winter Fuel Payment, eligible pensioners could access benefits such as Housing Benefit, support with mortgages, and even a free TV licence.

The meaning is direct: pensioners can apply for the backdated Pension Credit until December 21 and still get the Winter Fuel Payment this year. The DWP is to concentrate its efforts on identifying households that may not be accessing this important benefit with a view of debunking myths and misconceptions about the Pension Credit application process.

The Reality for Many Pensioners: Too Little, Too Late?

However, advocacy groups have concerns over the latest alterations. According to Age UK, the prime organization working with older people in the United Kingdom, almost one million pensioners are excluded from the Winter Fuel Payment despite having an income of only £14,000 per annum.

This happens because there is a harsh eligibility cut-off, which means that even small amounts of earnings above this threshold disqualify people from receiving Pension Credit (and thus Winter Fuel Payment).

Age UK started off a campaign against Reeves’ amendments, amassing nearly 420,000 petitions. Caroline Abrahams, charity director at Age UK, expressed her support for the government’s campaigns aimed at raising awareness but was doubtful about their effectiveness.

“We’re delighted the Government is encouraging older people to claim Pension Credit,” she said. “However, we fear it may not be enough to create the rapid increase in take-up needed to secure pensioners’ entitlement to the Winter Fuel Payment before the cold weather sets in.”

What Can You Do?

Pensioners who are unsure whether they qualify for Pension Credit could find out and receive not only weekly income, but also essential support throughout the winter time. The deadline is fast approaching; with winter coming, it is now the right time to act.

£200 Winter Fuel Payment for Eligible Pensioners

This year, the Winter Fuel Payment will only be available to those with the lowest incomes. Previously, all those over 65 were eligible for the payment, but the new Labour Government has changed the criteria.

It has insisted that many higher-income pensioners do not require the payout and that assistance should be directed towards those in greatest need.

Those born before September 22, 1958, will be eligible for the £200 Winter Fuel Payment if they qualify for other benefits such as Universal Credit, Pension Credit, and Income Support.

People over the age of 80 may be eligible for up to £300. The Winter Fuel Payment is intended to assist more deprived pensioners with their energy expenditures during the colder winter months, when they will be need to use their heating more frequently.

The funds are typically distributed automatically to people who meet the requirements and are expected to arrive between mid-November and the holiday season. Some organisations have criticised the government's plan to reduce contributions this year.

Winter Fuel Payment Cuts Draw Backlash

While the wealthiest pensioners would no longer get payments, advocates believe that many people who are not very wealthy but no longer meet the threshold will lose out. Age UK has started a petition opposing the government's measures.

It stated: “The Government has announced that the Winter Fuel Payment will become means-tested in England and Wales. As many as two million pensioners who badly need the money to stay warm this winter will not receive it.

“Sign our petition to save the Winter Fuel Payment for the poorest pensioners.”

This year, DWP benefits increased by 6.7 %, possibly providing hundreds of pounds of more aid to eligible individuals.

DWP Adjusts Benefits: Key Increase for Pension Credit and Attendance Allowance

Each year, the government adjusts benefits from the Department for Work and Pensions (DWP) and HM Revenue and Customs (HMRC) based on the inflation rate from September of the previous year.

In September 2023, inflation was recorded at 6.7%, resulting in an increase in the value of some benefits by hundreds of pounds this year.

With more than 2.1 million retirees facing financial hardship in the UK, it is critical to ensure that loved ones receive the necessary help. Pension Credit and Attendance Allowance are greatly underclaimed, despite the fact that many more people are eligible.

These benefits can be valued up to £1,913 per month, which can significantly improve their financial circumstances.

Attendance Allowance Rates 2024

Attendance Allowance is provided by the DWP to those over the state pension age, which currently stands at 66 years old, who require assistance with personal care due to an illness or a disability.

Applicants must have a serious impairment or sickness that need personal care, and they must have required this assistance for at least the previous six months.

The benefit comes in two rates: lower and higher. The amount claimants get is determined by how much aid is required, not by how much help the person currently receives.

The updated weekly payment rates for 2024/25 are as follows:

• Higher rate: £108.55
• Lower rate: £72.65.

In 2024/2025, individuals could receive £3,777.80 annually at the lower rate or £5,644.60 annually at the higher rate. This mounts to monthly payments of £314.81 and £470.38 each.

People who already claim Personal Independence Payment (PIP), Adult Disability Payment (ADP), or the care component of Disability Living Allowance (DLA) will not be eligible to seek Attendance Allowance.

To file a claim, individuals must complete an Attendance Allowance form that clearly outlines the assistance they require and do not require.

People can obtain a form by calling the hotline at 0800 731 0122 or downloading it through the government website.

Pension Credit 2024

The Department for Work and Pensions (DWP) provides Pension Credit to pensioners on low income as a separate benefit from the state pension. It is offered to boost people's income and help them reach a more comfortable quality of life.

Those who receive this benefit can also access a wide variety of additional benefits, such as assistance with housing costs, council tax or energy bills.

Individuals can qualify for this benefit even if they have other income, savings, or own their home, but they must apply for it as it is not automatically paid.

The extra money increases people's weekly earnings to £218.15 if they are single, and to £332.95 if they have a spouse or partner.

Pension Credit can provide a monthly benefit of £945.32 to £1,442.78, based on the recipient's circumstances. When paired with the highest amount of Attendance Allowance, total monthly earnings could reach £1,913, yet neither of the benefits is subject to taxation.

Carers, severely disabled, or those in charge of a child or young person may be eligible for additional benefits, which can increase this sum even further.

You are most likely eligible for Pension Credit if your total weekly income is below £220. However, individuals with slightly higher earnings may still qualify.

State Pensioners Can Boost Income with Pension Credit

The Department for Work and Pensions (DWP) offers Pension Credit, a frequently underclaimed benefit that could increase eligible individuals' income by hundreds of pounds.

This benefit includes two components: Guarantee Credit and Savings Credit. It is available to those who are of state pension age (currently 66) or older and have a low income.

Guarantee Credit is the major component ensuring someone's weekly income is increased to a certain minimum level.
For 2024, this equals  £218.15 a week for single applicants and £332.95 a week for couples.

In the meantime, Savings Credit offers “an extra boost” of up to £17.01 a week for singles and £19.04 a week for couples. This additional payment totals as much as £990.08 per year.

Savings Credit is accessible to anyone who attained the state pension age before April 2016 and saved for retirement through personal or workplace pensions.

People who do not receive the Guarantee Credit portion of Pension Credit may still be eligible for Savings Credit, so it is critical to file a claim. However, the benefit must be claimed; it is not payable automatically.

Martin Lewis Highlights Pension Credit Claims Gap and Application Process

Martin Lewis's Money Saving Expert website reports: “More than three million households are eligible for Pension Credit, but it's estimated that over 800,000 don't claim – in many cases because they don't realise they could be entitled to it.”

It further states: “[Pension Credit] is NOT automatic so you MUST claim – here's how. You can apply via Gov.uk if you've already claimed your state pension, otherwise phone the Pension Service on 0800 99 1234 (or the Northern Ireland Pension Centre on 0808 100 6165). You can backdate it for three months, so the quicker you check, the quicker you'll benefit.”

On Good Morning Britain, the financial expert noted: “It is a national tragedy that up to one million pensioners are missing out on this rather substantial entitlement in many cases.

“Many of those pensioners have been paying into the system for years and what Pension Credit is meant to do, is top people’s income up so if their state pension or other income isn’t enough, they still have a reasonable standard of living.”

Those claiming Pension Credit may also qualify for other forms of assistance, including the Government's Winter Fuel Payment. This benefit assists seniors with heating expenditures during the winter, paying between £100 and £300 to individuals who meet the eligibility requirements.

The benefit was previously provided for every pensioner in England and Wales born before a specific date. However, Chancellor Rachel Reeves declared that starting this year, only those receiving means-tested benefits, like Pension Credit, will be eligible.

Pension Credit recipients may also be eligible for other forms of financial assistance, including council tax discounts and free TV licences.

People can visit the website here or phone the Pension Credit assistance line at 0800 99 1234 to check whether they are eligible for additional benefits.

Upcoming Payments to Support Households and Pensioners Amid Winter Budget Strain

According to the latest forecast, those on the standard tariff who pay by Direct Debit could see their annual bills rise from £1,568 to £1,762, an increase of £194.

The winter months usually strain household budgets more, and this year, there will be no cost of living payments. Additionally, around 10 million pensioner households will miss out on the annual Winter Fuel Payments, which typically range from £200 to £300.

This change comes after the UK Government decided to limit the payments to those over 66 who are on means-tested benefits like Pension Credit.

The Scottish Government has also implemented this change in eligibility and postponed the introduction of its replacement, the Pension Age Winter Heating Payment, until the winter of 2025/26.

Yet, there are six, different one-off payments to be given out to households, disabled individuals and people over State Pension age before the year's end. Most of these lump sums are meant to assist with climbing heating bills. Many benefit claimants are also set to get a ‘bonus’ and an additional payment for unpaid carers.

Winter Fuel Payment: £100-£300

Most of these payments are automatically provided in November or December, those eligible receive letters including information about the exact amount they will get before receiving their payment.

The change with the greatest impact on senior households this winter is the adjustment to the eligibility criteria for the one-off payment.

This payment ranges from £100 and £300, based on the recipient's age and home conditions. Notably, only those born before September 23, 1944 are eligible for the entire £300.

People must be over the age of 66 and receive a means-tested benefit, such as Pension Credit. Those over the State Pension age who get an income-related payment during the week of September 16-22, 2024, will get the payment automatically. This contribution is tax-free and does not affect any other benefits.

Eligible pensioner households will receive letters in October or November with details on how much Winter Fuel Payment they qualify for.

Child Winter Heating Payment: £251.50

The Child Winter Heating Payment of £251.50 supports Scottish households with disabled children or youngsters under the age of 19. This payment is meant to help families with extra winter costs.

Payments usually start in November, similar to last year. Qualifying families will receive a letter before the payment is sent.

To be eligible, families must be receiving certain disability benefits, such as the highest rate of Child Disability Payment, Disability Living Allowance for Children, or enhanced rates of Personal Independence Payment or Adult Disability Payment. Eligibility is based on being in receipt of these benefits during the week of September 16-22, 2024.

Winter Heating Payment: £58.75

According to Social Security Scotland, payments will be issued from mid-December, allowing the majority of qualifying families to receive the payment before the end of February 2025. If you qualify, you will get a letter from Social Security Scotland before they provide the payment.

This payment can only be claimed by people on an income-related benefit residing in Scotland and switched to the £25 Cold Weather Payment provided by the Department for Work and Pensions (DWP) two years ago. Unlike the DWP benefit, this one is not based on a prolonged period of cold weather in a specific region, but rather a yearly, one-off payment provided regardless of the temperature.

Warm Home Discount: £150 Paid to Energy Providers

The DWP hands this payment directly to energy suppliers. It is then added as credit to customers' accounts.

If you happen to be a credit customer the £150 will arrive on your electricity account and if you’re on Pay As You Go or Prepayment, a voucher that you can use to boost your meter will be sent to you.

The Warm Home Discount Scheme is meant to help those on a low income and on certain income-related benefits, including: Universal Credit or Pension Credit.

Carer Allowance Supplement: £288.60

These are usually paid automatically in December. Social Security Scotland will send out letters beforehand to confirm who may qualify for the payments.

The payments are administered by Social Security Scotland and made separately from Carer's Allowance. To qualify for the next payment in December, people need to be in receipt of either Carer’s Allowance from the DWP, or the newly launched Carer Support Payment from Social Security Scotland, on October 7, 2024.

Christmas Bonus: £10

This bonus is frequently provided automatically in early December. It is a one-off, tax-free £10 payment made to those who qualify for the State Pension or those who claim other benefits during the qualifying week.

No application is required in order to get the extra £10 as it automatically goes into the account where you usually get your State Pension or benefit payment.

Millions of Pensioners Missing Out on Crucial Benefit, Says Martin Lewis

This means tested-free Attendance Allowance is available to all individuals of retirement age in the United Kingdom needing help with everyday activities, no matter how much they earn. Illness or disability need not be specific; if they impact daily life significantly enough, then one may apply for this allowance according to what the expert explained.

Eligibility, Rates, and Conditions:

Accordingly, the Express says eligibility hinges on either having been assisted with simple things like eating and dressing or else being surveyed over a continuous period of six months.

• Basic Rate: £73 per week (£3,778 per year) for help required during the day or night.
• Higher Rate: £109 per week (£5,644 per year) if assistance is needed both day and night, or if life expectancy is less than 12 months.

However, Obtaining Attendance Allowance can also increase payments such as Pension Credit, which have other financial advantages including reduced council tax and added housing benefits.

Martin shared an example of a man who claimed successfully for his mother-in-law living with him, who had severe disabilities. As a result, her weekly top up was raised by 36 pounds (16.33 kg) while he received an arrearage amounting to 1010 pounds (0.46 ton).

For example, she was paid 73 Pounds per week extra because she had attended at least once a year along with another payment of 727 Pounds back dated meaning her total increment annually was amounted to £7956.

According to the government’s Gov.UK website, the allowance is paid at two rates based on the level of care needed, offering £72.65 or £108.55 weekly for personal support. It does not cover mobility needs.

“You could receive extra Pension Credit, Housing Benefit, or Council Tax Reduction if you receive Attendance Allowance. You do not need a carer to make a claim.”

Universal Credit Claimants Warned as Payments Cut for Many

According to the most recent figures from the Department for Work and Pensions (DWP), around 571,970 individuals were sanctioned between May 2023 and April 2024, reports the Birmingham Live.

Among these, 535,750 encountered payments cuts because they missed a obligatory interview with a Jobcentre work support adviser. The research has also found that 16,300 had their payments halted for choosing to remain unemployed.

And around 11,900 claimants had their payments switched because they refused to go on employment programmes.

According to the report, 6,700 people were penalised for failing to provide a valid cause for quitting their jobs.

Experts' Advice on Avoiding Universal Credit Sanctions

Samuel Thomas, senior policy adviser at charity Z2K, stated: "We're very concerned to see such a high number of people being sanctioned. Being sanctioned can push people into destitution and leave them unable to afford food or pay bills, which only makes it harder to find work."

He went on to say: "If you have been sanctioned you should seek advice immediately as you can appeal against a sanction and seek a back payment if wrongfully sanctioned. You can also apply for a hardship payment to get emergency money.”

There are four kinds of steps someone can follow to prevent being sanctioned. Advice Now suggests: "Make sure that you understand your Claimant Commitment and other 'work-related responsibilities'.

If you don't have one or are having trouble finding one, contact your Jobcentre as soon as you can and request a copy.

"Make sure your Claimant Commitment reflects your circumstances. Avoid doing or not doing things that break your Claimant Commitment. Be really organised and keep records of your dealings with the Jobcentre and everything you do to meet the terms of your Claimant Commitment."

State Pension Increase to Cause Widespread Confusion

With the triple lock, the UK state pension increases every year by the highest of inflation, earnings growth or 2.5%.

In April of last year, pensioners were able to enjoy a 10.1% increase due to inflation, but this April their raise was 8.5%,based on earnings growth.

Each year's triple lock raise is determined by consumer price inflation rate from September of the previous year, and earnings growth from May to July.

Inflation was 2.2% in July, while earnings rose by 4.5% from April to June. As a result, the earning's element from the triple lock will likely determine next year's state pension increase.

If earnings continue to increase by 4.5% in the three months leading up to July, the state pension is likely to rise by that same amount when the decision is confirmed in mid-September.

This will make the new state pension rise from £11,502 to approximately £12,020 for those eligible for the full amount.

Nevertheless, millions of pensioners may get significantly less, leaving to widespread confusion.

Rising Disparity Between New and Old State Pensions Causes Concern

The issue originates from the existence of two state pensions: the single-tier new state pension for those who retired after April 6, 2016, and the basic state pension for those who retired before then.

Both pensions are subject to the triple lock, but the basic state pension begins at a lower level, making each year's increase less valuable to those receiving it. The gap is widening year after year.

In April this year, the new state pension climbed by £901 while the standard state pension grew by just £690.

The disparity between the two expanded by £211 in just one year to an astounding £2,688.

Next April, the new state pension is set to rise by £517. The old basic state pension, however, will only rise by £396.

The gap will have increased by an additional £122 to £2,810.

Many people feel it is unjust that retiring just a day before April 6, 2016, could lead to getting £2,810 a year less compared to someone who retired afterwards. That equals  £54 weekly.

The amount someone can get depends on the number of years of qualifying National Insurance (NI) contributions or credits they have. However, a more significant factor is involved.

The state earnings-related pension plan (Serps) or state second pension (S2P) boost the standard state pension for many older pensioners.

This is not included in the basic state pension figures.

Since the additional state pension relies on earnings, men often accumulate far more than women. Women receive more than men on the new state pension.

Last year, male basic state pensioners received an average of £9,291 per year, slightly higher than the new state pension of £9,128.

Women receiving the basic state pension earned just an average of £7,951. Women earn more on the new state pension, with an average of £8,872.

Women benefit more from the new state pension than men do. However, there are many variables involved.

Pensioners with modest incomes may be eligible for Pension Credit, which provides a minimum annual income of £11,343.80 for singles and £17,313 for couples. However, nearly a million of the most impoverished individuals do not file claims.

DWP Update: Key Figures in Legacy Benefits Transition to Universal Credit

The Department for Work and Pensions (DWP) has released an update on the transition from older benefits, like tax credits, to Universal Credit.

Those receiving Income Support, Tax Credits with Housing Benefit, ESA (Income Based) with Child Tax Credit, or JSA have been sent letters informing them that they need to reapply for Universal Credit. If they fail to do so, their benefits will be discontinued.

From July 2022 to June 2024, the Department for Work and Pensions (DWP) mailed migration notices to 1,140,810 people in 771,810 households. Out of these, 623,310 people applied for Universal Credit (UC), and 232,800 households were granted transitional protection. Another 232,830 are still working through the transition to UC.

Unfortunately, 284,660 people who received migration notices didn’t apply for UC and had their legacy benefits stopped. This means that, as of the end of February 2024, 32% of those who got a migration notice didn’t make a UC claim and lost their benefits, while 68% did apply for UC.

Concerns Raised Over Universal Credit Transition

There’s been worry that some people, especially those who are vulnerable, might not understand that they need to act, leading them to miss out on important financial support. MPs in the House of Commons have raised concerns about this process, fearing that people could be losing money they’re entitled to because they have to make a new application.

The Institute for Fiscal Studies (IFS) looked into how the switch to UC is affecting about eight million people and found that some are potentially missing out on around £4,000 because of the transition.

Households with one adult over state pension age and one adult under it are struggling more under Universal Credit (UC) compared to the old  benefit system. The Institute for Fiscal Studies (IFS) found that these households are losing more than £4,000 a year because they’re now on UC instead of the more generous pension credit. About 70% of these households—around 180,000 in total—are facing this shortfall. Those with assets over £16,000 and self-employed people are also seeing significant losses under UC.

The report does show some positive aspects too. Couples with children are generally better off under UC. About 72% of them gain at least £200 a year, while only 22% lose that much. Working families and renters also tend to benefit more from UC, since the system reduces benefits more slowly as their earnings go up.

Earlier this year, it was mentioned in the House of Commons that people might be missing out on around £3,200 a year by not switching their benefits. It’s estimated that about a quarter of those affected haven’t made the switch yet.

DWP Announces Early Payments for August Due to Bank Holiday

If your payment was originally due on Monday, August 26, expect to get it in your bank account by Friday, August 23.

Payments are being made early this month to help people pay their bills on time and avoid problems caused by delays. Andy Wood, a money expert from Crypto Tax Degens, pointed out that bank holidays can mess up the usual payment schedule, which can be stressful for those who depend on these benefits.

It’s important that the DWP and HMRC clearly communicate any changes due to the holiday. For example, if you’re due to receive Child Benefit or Tax Credits on August 26, you’ll get them earlier, on August 23. Knowing this in advance helps people plan their finances and avoid issues.

Potential Impact of the Date Changes on Some Benefit Claimants

Wood also mentioned that these early payments are of great importance, especially to those on a tight income, and  those claiming benefits such as Universal Credit, PIP, and the State Pension. He said, “An early payment ensures that these individuals, many of whom live on tight budgets, can maintain their financial stability without interruption.”

The money expert highlighted how clear communication about the upcoming changes is essential, saying: “Bank holidays often disrupt the regular schedule of benefit payments, which can be concerning for those who rely on this income. Effective communication from DWP and HMRC is critical.”

For instance, Child Benefit and Tax Credits due on August 26 will be paid earlier, on August 23.

Since bank holidays are a regular occurrence, it’s good to understand their impact on benefit payments. Wood added, “With payments like Carer's Allowance, Disability Living Allowance, and Jobseeker's Allowance being issued ahead of time, beneficiaries are encouraged to plan their budgets with these early payments in mind, ensuring they can cover their essential needs during the holiday period.”

By June, inflation had at last hit the Bank of England’s target of 2%, marking a considerable drop from its peak of 11.1% in October 2022. However, this piece of news should not be seen as encouraging as it only implies that prices are increasing at a slower rate rather than going back to what they used to be previously.

Costs associated with living were promised to be dealt with by the newly-elected Labour government in its manifesto by dealing with foundational issues. The Secretary of State for Work and Pensions Liz Kendall has stated on her official website about serious intentions to eliminate “economic inactivity” through introducing ‘Back to Work’ initiative aimed at increasing employment opportunities.

August 2024 Benefits and Pensions Payments

This August, various benefits and pension payments will continue as usual, including:

• Universal Credit
• State Pension
• Pension Credit
• Child Benefit
• Disability Living Allowance
• Personal Independence Payment
• Attendance Allowance
• Carer’s Allowance
• Employment Support Allowance
• Income Support
• Jobseeker’s Allowance

Note that payments scheduled for the bank holiday on Monday, 26 August, will be disbursed the preceding working day, Friday, 23 August. For further details regarding state benefits, please consult the government’s official website.

Unclaimed Benefits and Additional Support

A new report from Policy in Practice stated up to £23bn every year is not claimed by individuals in benefits. They offer a handy calculator that helps people work out what they should receive. If you have any problems with the DWP, you can email albert.toth@independent.co.uk.

Household Support Fund

In March’s budget, Jeremy Hunt, ex Chancellor, extended the Household Support Fund (HSF) another six months. It’s a fund given to local authorities to help households at risk.

These funds can be used by councils for different purposes including cash grants, supermarket vouchers or assistance towards energy bills. Contact your local authority office for more information on this offer.

Other Available Assistance

• Budgeting Advance Loans: The government now offers interest-free budgeting advance loans lasting up to two years at no charge as a last resort for Universal Credit claimants facing financial emergencies. Eligibility limits are:
  • £348 for singles
  • £464 for couples
  • £812 for families with children
• Charitable Grants: Various charitable grants exist for those who are struggling financially, and these come with specific eligibility requirements. There is an online tool of charity Turn2us that allows you to find possible grants for which you may be qualified.
• Energy Provider Assistance: Many energy suppliers, including Scottish Power and British Gas, offer support for customers struggling with energy bills. British Gas, for example, provides grants of up to £2,000 under certain conditions.
• Council Tax Reduction: Individuals receiving specific benefits may qualify for a council tax reduction of up to 100%. Local councils can also offer discretionary reductions for those demonstrating severe financial hardship.

Childcare Support

In the UK presently, all employed parents are eligible for 30 hours of free childcare for three- and four-year-old children. By April 2024, this will be expanded to provide 15 hours of care for two-years old. Parents will have to apply online and confirm their eligibility every quarter year. They plan to make even more expansion, which includes:

• September 2024: 15 hours of free childcare for children from nine months.
• September 2025: 30 hours of free childcare for all children under five.

Automatic £150 Credit for Pensioners

Commencing in April 2011, it was targeted at assisting low-income earners or pensioners with managing their energy costs during cold weather experienced in winter seasons.

By end March 2025, qualifying recipients are expected to be credited with a one-time discount of £150. The amount will be applied directly against customer’s electric bills, British Gas confirmed. On the other hand, Pay as You Go meter users will receive a voucher to top up their meters at a Post Office.

Confirmation on receipt and credit of the discount will be done via an email sent to Pay As You Go smart meter customers. In order for them to comfortably enjoy the benefit as soon as possible, this company may also give out vouchers for Post Office top-ups which have been delayed.

Moreover, this corporation underscored the advantages derived from such means of measuring consumption which include real time evaluation and remote recharging by users themselves

Now, only those who are in receipt of Pension Credit or other means tested benefits will get this benefit. These receiving Pension Credit will receive £200 or if they are above 80 years old they will receive £300.

According to the Treasury’s estimates, these changes would reduce the number of recipients from 11.4 million pensioners to about 1.5 million, thus leaving nearly 10 million ineligible. Consequently, this measure might save around £1.5 billion per year by making payments better targeted.

Age UK has warned that millions of households may be without heating this winter as a result. Therefore, they began a petition that so far has been supported by over two hundred and sixty thousand signatures requesting the Government to reconsider.

The petition states: “Reducing the Winter Fuel Payment with little notice and no protective measures for vulnerable pensioners is misguided. Many pensioners, who depend on up to £300 for their bills, will be affected. Around 2 million pensioners struggling with energy costs, including those just above the Pension Credit threshold and those with high energy needs, will be seriously impacted.”

Energy Bill Increase for Pensioners

More than 50 organisations have written an open letter to Chancellor Rachel Reeves expressing their disagreement with her decision on limiting the winter fuel allowances. The End Fuel Poverty Coalition cautioned that elderly citizens not getting assistance based on need might see their energy costs rise up by fifteen percent during winters.

Their letter to the Chancellor states: “Restricting payments to a small minority will force millions into cold, damp homes.”

Martin Lewis Condemns Decision on Winter Fuel Payment

Martin Lewis, the Money Saving Expert, has also denounced “too narrow with the winter we have coming”. He observed that the cap on energy prices may go up by 10% in October, thereby keeping bills high all through the winter, and making them unaffordable to many.

Lewis argued that while financial constraints might be used to justify ending universal payments, this is just too harsh. The people who will suffer most are those who are just above the benefit thresholds.

In addition, he emphasized that there was a need to reach out to inform and help 800,000 persons eligible for Pension Credit who have not been receiving it.

“Pension Credit is a vital gateway to other benefits,” he said, “and with its link to the winter fuel payment, it's crucial to minimise the number of those missing out.”

The individuals concerned will be sent a letter in the post before the current fiscal year ends.

DWP Alerts Tax Credit Recipients to Transition to Universal Credit by Deadline

Tax Credits recipients have been alerted about upcoming the legacy benefit as they are moved to Universal Credit under the managed migration system. The DWP will send a Migration Notice to those affected who are being transitioned, as reported by the Birmingham Live.

These benefits will soon be replaced by Universal Credit: Tax credits: Working Tax Credit and Child Tax Credit, Housing Benefit, Income Support, Income-based Jobseeker’s Allowance (JSA) and Income-related Employment and Support Allowance (ESA).

Other benefits, including Personal Independence Payment (PIP), will remain unchanged. To keep on receiving financial assistance, it is crucial to claim Universal Credit by the deadline date mentioned in your letter. This is three months from the date the letter was issued.

What Should I Do if I Miss the Universal Credit Deadline?

If you fail to claim Universal Credit by the deadline date, you should reach out to the Universal Credit Migration Notice helpline as quickly as possible. You might prolong the time to make a claim if you have a valid reason, but you need to submit your request before the deadline.

Those who get a Migration Notice or Closure Notice may qualify for additional funds to help cover any benefit gaps arising from following the conclusion of their Tax Credit claims. The compensation is referred to as a transitional additional amount. For those moving to Universal Credit, this assistance is supplied as a transitional element.

In order to calculate how much you could get on Universal Credit, you can use a free and anonymous benefit calculator.

It's important to note that benefit calculators do not display any transitional protection (top-up payments) or deductions for a debt, so may not provide accurate results.

This comes after the last Conservative Party government decision to extend the Household Support Fund from the Department for Work and Pensions (DWP), as reported by the Birmingham Live.

UK Households Urged to Claim Cost of Living Payment Before Deadline

The Household Support Fund is designed to help low-income households cover their expenses with free cash and vouchers.

The City of Doncaster Council confirmed that the funding will be used to support working-age and pensioner households in the city who qualify for any of these benefits: Housing benefit, local council tax reduction, Universal Credit which comprises the housing element and income-based free school meals.

However, people who consider applying, have only a few weeks before the due date arrives on Friday, August 30, at 5pm.

The payment will be provided for qualifying households along with single people with no dependent children (children for whom you receive Child Benefit) who will get a single payment worth £50.

Doncaster Council Updates Cost of Living Payment Distribution

According to the local council, couples with no dependent children will get a single payment worth £70. Those with one dependent child will receive a one-off payment of £110, the council added, and households with two dependent children will get a single payment worth £170.

The local authority also confirmed that households with three dependent children will get a single payment of £230 and those with four or more dependent children will get a single payment of £290.

From 23 July 2024 all benefits are issued as a single one-off payment. Before this, payments to households with dependant children were provided in 2 halves.

If you qualify solely under means-tested free school meals criteria, you will get an award based on the number of qualifying children for income-based free school meals.

This move is aimed to reduce some financial burden caused by increased costs of living through giving out £150 off energy bills among those who are most vulnerable pensioners. Most of the time, this discount is automatically added to one’s account and works as a deposit that increases bank balances.

Cash Boost for Pensioners: Warm Home Discount Returns

In terms of energy suppliers’ prerogative, the discount period may be launched any time between November and March. The beneficiaries will consist majorly of those individuals who are receiving either Guarantee Credit element of Pension Credit or Savings Credit element, Universal Credit or Housing Benefit.

Low-income families struggling with high power prices can also apply for help from this program besides retirees. Between November and January, most eligible households can expect to be informed by mail on how services can be provided to them.

The Warm Home Discount will be reintroduced this winter after the Labour Party has already confirmed, because of a debate on reducing Winter Fuel Payments. Currently, these payments are only made to those with the lowest incomes in the older generation and not all.

According to Age UK: “The Warm Home Discount is a one-off payment of £150 to help with the cost of energy during the winter. It's designed to make things a bit easier if you're living on a low income or pension.

“If your electricity supplier is part of the Warm Home Discount scheme then you don't need to apply for it – you'll get the payment automatically if you or your partner receive the Guarantee Credit portion of Pension Credit, or another qualifying benefit, and have high energy costs.”

DWP to Offer Additional Support to State Pensioners This Winter

State pensioners are set to receive the Cold Weather Payment, along with the Warm Home Discount provided by the DWP

You may qualify for a £25 Cold Weather Payment if you’re currently receiving Pension Credit, Income Support, income-based Jobseeker’s Allowance (JSA) and income-related Employment and Support Allowance (ESA) or Universal Credit or Support for Mortgage Interest, as reported by the Birmingham Live.

You’ll typically receive Cold Weather Payments if you get Pension Credit too. You’ll be eligible for a payment if the prevailing temperature in your region is forecast to be, 0 degrees Celsius or lower 7 for a period of seven days.

You will get £25 for each seven-day period of extremely cold weather between November 1, 2024, and March 31, 2025. The Warm Home Discount offers a one-off £150 discount on your electric bill payment. However, the money is not given directly to you; rather, it is added to your electricity bill by your supplier. The scheme's eligibility changes according to your location.

Eligibility Criteria for Energy Discounts in England, Wales, and Scotland

If you reside in England and Wales, you may qualify for the Guarantee Credit component of Pension Credit or have a low income and high energy bills.

If you live in Scotland, you are eligible if you receive the Guarantee Credit component of Pension Credit or make small earnings, and fulfil your energy supplier's eligibility criteria for the scheme.

If you qualify, the discount will be provided automatically. You will only need to submit an application if you have a low income in Scotland.

The discount is also valid if you use a prepayment meter. In this situation, your power supplier can show you how to get the discount if you are eligible; you may for instance get a voucher that can be used to refill your meter.

Thousands of pensioners who lost access to the Winter Fuel Payment due to a previous overhaul may now be eligible to receive it again.

Winter Fuel Payment Eligibility May Impact Pension Credit Uptake

According to analysts, if councils become in charge of the task of tracking down those who qualify for means-tested benefits, more people would be engaged and encouraged to apply for Pension Credit, a benefit that entitles individuals for the payment, reports the Birmingham Live.

Policy in Practice supports controlling the Winter Fuel Payment to ensure it does not go to wealthier retirees, yet more needs to be done to increase the number of people who qualify for it.

According to Chancellor Rachel Reeves, the scheme will now only be offered to those in pension-age households who get any of these five means-tested benefits: Pension Credit, Universal Credit, Income Support, income-based Jobseeker's Allowance or income-related Employment and Support Allowance.

Simply qualifying for a State Pension or any other benefit is not sufficient to ensure your eligibility.

The main concern, however, is the poor uptake of Pension Credit, which is a top-up payment for those receiving a low or no State Pension. According to the social policy data analytics organisation, around one million families are set to miss out as a result of the adjustments proposed to the Winter Fuel Payment.

According to the data, approximately 850,000 pensioners are eligible for but do not claim Pension Credit, while another projected 130,000 older people would miss out because their income is only £500 higher than the Pension Credit eligibility criteria. The group says they would be better off with a lesser wage and collecting Pension Credit and the Winter Fuel Payment.

Pension Credit and Other Benefits Could Add Up to £9,665 for Eligible Pensioners

As indicated by Policy in Practice, Pension Credit is valued at £2,677 per year on average and can be used to pay for other household expenses and obligations. According to the report, Housing Benefit is worth an around £4,338 and Council Tax Support is worth approximately £1,670.

The benefit also offers a free TV licence, which would otherwise cost £170. There are other possible price reductions on broadband (£200) and water (£160), as well as eligibility for the Warm Home Discount (£150) and Winter Fuel Payment (£300). The group reckons that all of this adds out to an average of £9,665.

Deven Ghelani, founder of Policy in Practice stated: “Taking the Winter Fuel Payment from better-off pensioners is one of the few reasonable ways to save money in social security, particularly as they benefit from the triple lock. However, there really is no excuse for the shockingly low levels of Pension Credit take-up, as many older people continue to struggle with the cost of living.

“The Secretary of State should prioritise simplicity in the benefit system and promote proactive support for people. The DWP could start by sharing data with local authorities and widening legislation to allow for automated take-up campaigns for benefits such as Pension Credit. If Universal Credit data were shared more widely, we could boost incomes while lowering administration costs.”

According to the group, campaigns led by local governments can help to close the participation gap. It stated that a recent London-wide program resulted in over 2,300 households claiming Pension Credit while they were previously unaware they were eligible.

Locally-led initiatives were shown to be more than twice as successful as national campaigns, the report stated. The project is increasing, with over 60 councils participating this year to raise consciousness regarding Attendance Allowance, free school meals, Healthy Start and social tariffs.

Most retirees consider contribution-based benefits as their main income source which currently provides crucial financial assistance of up to £884.80 every month for 2.9 million individuals qualifying for the New State Pension.

Around 9.7 million of retired individuals receive Basic State Pension, a payment worth up to £678 every pay period. For those approaching the official retirement age, it is essential to be aware of the benefits the DWP provides.

Many of those already in receipt of the State Pension payments may not be aware of the different ways that can enable them to significantly increase their income over the next few months.

Benefits People over State Pension Age can Get

Benefits and discounts available for people over state pension age include:

• Benefits for War Widows and Widowers
• Health Benefits
• Help with Council Tax
• Help with Heating Costs
• Pension Credit
• State Pension
• Travel and TV Benefits

State Pension

When you reach State Pension age and file a claim, you will get a regular taxable income for the rest of your life. You can choose to defer this while you continue working.

The amount you get is not means-tested, but it is determined by the number of qualifying years of National Insurance Contributions or credits you have accumulated.

To receive State Pension payments, you must be at least 10 years old and around 35 for the maximum amount. This may be higher for those who were 'contracted out.'

Weekly state pension payment rates 2024/35

• Full New State Pension: £221.20
• Full Basic State Pension (Category A or B): £169.50

Pension Credit

Pension Credit now provides additional funds for 1.4 million people in the UK, including roughly 127,000 in Scotland, who are above the State Pension age and have a low income. It provides on average more than £3,900 in financial assistance each year.

Use the GOV.UK Pension Credit Calculator for yourself or a family member to ensure you are getting all the financial assistance that you are eligible for to. You can also contact the Pension Credit helpdesk at 0800 99 1234.

Council Tax Assistance

If you own or rent a property, your local government may be able to assist you in paying your Council Tax. For assistance with Council Tax, contact your local council.

Insulation and heating schemes

There are several programs that provide insulation and heating upgrades to make your property more energy efficient. If your home is inadequately insulated or lacks a functioning central heating system, and you receive any of the following income-related benefits, including Pension Credit, you are likely to be eligible.

Health Benefits

Anyone in Scotland is eligible for free prescriptions. Learn more about free dental care and reimbursement for travel to hospital appointments here.

Disability and Care Benefits

People who have disabilities are provided with a number of benefits to help them with their long-term health issues or specific care needs.

The benefits include:

• Personal Independence Payment
• Adult Disability Payment
• Disability Living Allowance
• Attendance Allowance

Travel Concessions

If you are above the age of 60 or disabled, you might want to check if you qualify for travel concessions on the Transport Scotland website.

Free Passport

British citizens born on or before September 2, 1929, might qualify for a free passport. To learn more and find out how to apply, visit the GOV.UK website here.

Free or Discounted TV Licence

People over the state pension age of 65 who are registered as severely sight-impaired or blind may be eligible for a half-price TV licence.

War Widow's or Widower's Pension

If your spouse or civil partner died, suffered an injury, or fell ill while serving in Her Majesty's (HM) Armed Forces or during a period of war prior to April 6, 2005, you may be eligible for a War Widow's or Widower's Pension.

If they died or were injured while serving in a conflict after April 6, 2005, you may be eligible for compensation through the Armed Forces Compensation Scheme.

Medical Expenses for War Pensioners

If you require medical treatment due to a handicap sustained while serving in the Armed Forces, you may be eligible for assistance with your medical expenses.

Age UK Campaigns to Protect Winter Fuel Payments Amid Controversial Changes

Following the announcement on July 29, the charity began a campaign aimed at protecting millions of vulnerable State Pensioners who could lose out on essential heating support this year.

The one-off payment is valued between £100 and £300, but in the last two years it has been worth far more — up to £600 — given the inclusion of the Pensioner Cost of Living Payment.

The £300 Winter Fuel Payment is exclusively available to those over 80, whereas the majority of pensioners get £200.

The 'Save the Winter Fuel Payment for Struggling Pensioners' campaign by Age UK warns that qualifying changes will affect millions of older people who rely on financial support to cope with rising winter prices.

According to the Daily Record, State Pensioners who receive Pension Credit or other income-related benefits are the only ones who will automatically qualify for annual, one-off payments that range from £100 and £300 from the Department for Work and Pensions (DWP).

You can view, sign or share the petition on the Age UK Website.

Ofgem is expected to reveal the new energy price cap before the end of August. Energy experts are anticipating a 10% rise on the basic tariff for many families beginning October 1 that will last until the end of the year.

Age UK declared: “We strongly oppose the means-testing of the Winter Fuel Payment because it means as many as 2 million pensioners who badly need the money to stay warm this winter will not receive it and will be in serious trouble as a result.

“Means-testing the Winter Fuel Payment, with no notice and no compensatory measures to protect poor and vulnerable pensioners, is the wrong policy choice, and one that will potentially jeopardise the health as well as the finances of millions of older people this winter — the last thing either they or the NHS needs.”

Recently updated guidance on GOV.UK says eligible pensioner households are set to receive letters in October or November revealing the amount of Winter Fuel Payment they will get.

The majority of those who qualify will be paid in November or December. The payment will be deposited on the same bank account the State Pension or other benefits are paid into.

Eligibility for Winter Fuel Payments

Anyone born before September 23, 1958 can get a Winter Fuel Payment this year

Recipients must also reside in England or Wales and receive one of these benefits:

• Pension Credit
• Universal Credit
• Income-related Employment and Support Allowance (ESA)
• Income-based Jobseeker’s Allowance (JSA)
• Income Support

Who Does Not Qualify for the Payment?

You won't qualify for Winter Fuel Payment if you:

• Reside in Scotland.
• Have been hospitalized and received free treatment for over a year.
• If your UK visa specifies that you can’t claim public funds.
• Were incarcerated during the whole qualifying period of September 16 to 22, 2024.

How Much You Can Get for Winter Fuel Payments

If you are single or live alone:

• £200 for those born between September 23, 1944 and September 22, 1958
• £300 if you were born before September 23, 1944

If you live with your partner

If you and your partner jointly claim any of the benefits, one of you will get a payment of either:

• £200 if both of you were born between September 23, 1944 and September 22, 1958
• £300 if one or both of you were born before September 23, 1944

If you live in a residential care facility

If you qualify, you will get either:

• £100 if you were born between September 23, 1944 and September 22, 1958
• £150 if you were born before September 23, 1944

DWP Urges Housing Benefit Recipients to Transition to Universal Credit

The DWP asserted that housing benefit recipients will not be automatically moved to the new system, instead recipients are required to submit an application for Universal Credit.

Individuals who received a migration notice from the DWP in June are required to submit their application within three months from the date they received the notice, thus their deadline is in September.

Failing to meet the submission deadline may lead to benefit suspensions. The migration notice serves as a reminder that existing benefits will expire, and highlights the importance of applying for Universal Credit to keep receiving payments.

As reported by the Birmingham Live, the migration notice offers guidance on how to transition to Universal Credit as well as online support for the claimants.

People on jobseekers' allowance will also receive similar notices. The government explains: “You need to move to Universal Credit if you've received a migration notice letter, as one or more of your benefits will be ending soon. To continue receiving financial support, you must claim Universal Credit by the deadline date given in your letter.

“This is three months from the date the letter was sent out. Anyone unable to meet this deadline for Universal Credit application is advised to promptly get in touch with the Universal Credit Migration Notice helpline.”

Impact of Transitioning to Universal Credit

Transitioning to Universal Credit could potentially affect the payments individuals on legacy benefits receive, leading to different outcomes where some may see an increase in their funds while others may experience a decrease.

Nevertheless, eligible claimants can receive additional funds if their payments are reduced due to the transition.

The DWP guidance states: “On Universal Credit, most people will be entitled to the same amount they received from their previous benefits or more.

“If the amount you are entitled to on your existing benefits is more than you will get on Universal Credit, a top-up is available. This is called transitional protection.

“You can only get this top-up if you have received a Migration Notice letter from DWP and claim by the deadline date on your letter. If your circumstances change before you make your claim, this may affect the amount you get.

“You should claim as soon as possible to make sure the amount you are currently entitled to can be protected. Any transitional protection you receive as part of your Universal Credit claim may stop if you have a change in circumstances once you've made your claim.”

This week, the WFP was altered by the Labour Government significantly and now pays anything between £100 and £300 to some pensioners.

As of this winter, only those on Pension Credit or other means-tested benefits will qualify, leaving about 10 million pensioners who would not benefit from it based on their perceived wealth.

Impact of Winter Fuel Payment Cuts on Vulnerable Pensioners

Age UK has warned that as many as two million older people who are already struggling with escalating energy bills will be affected adversely by these cuts. This includes key groups such as:

• Low-income pensioners just above the Pension Credit threshold.
• Individuals with high energy needs due to disability or chronic illness.
• Approximately 800,000 eligible pensioners who do not currently receive Pension Credit.

Uncertainty in Scotland

The future of WFP in Scotland is uncertain as its devolution is imminent this year. Age UK is worried about whether the UK government will choose to withdraw funding for the WFP, thereby undermining what Scottish seniors could expect.

The petition asserts: “Cutting the Winter Fuel Payment this winter, with virtually no notice and no compensatory measures to protect poor and vulnerable pensioners, is the wrong policy decision. Millions of struggling pensioners won’t receive up to £300 they rely on to pay their bills.”

Chancellor Rachel Reeves has been told to look again at the plans. Speaking on BBC Breakfast’s Stephen Flynn (SNP leader at Westminster) stated that no final decision had yet been made about the New Pension Age Winter Heating payment which was being planned to replace Winter Fuel Payment (WFP).

Eligibility Criteria

Retirement credits are available to UK residents aged sixty-six and above for at least one day during the eligible week in September (22-28) and who receive Pension Credit, Universal Credit, Income Support, income-based Jobseeker’s Allowance or income-related Employment and Support Allowance.

There is a calculator that can be used by those who are unsure of whether they qualify for the pension credit.

State Pension Recipients Can Get Up to £1,629 this August

People aiming to improve their financial situation or simply make ends meet are encouraged to claim all the benefits they qualify for.

To begin with, anyone who qualifies for the state pension can get a weekly payment worth up to £221, or a monthly £884. To ensure you are eligible for state pension payments, you must have reached state pension age, accumulated a minimum number of National Insurance contributions, and not already receiving any other type of pension benefits.

In addition to this, you may also claim a free TV Licence, valued at £14 a month. If you, your partner or anyone in your family has reached the age of 75 or over and receives Pension Credit, you could significantly cut your annual TV Licence costs to zero, saving £169.50 per year or about  £14 per month.

Boost Your Monthly Income Through Pension Credit

If you're looking to boost your monthly income, Pension Credit is a great option to consider. If you’re single, and your total weekly income is no more than £218, or £332 if you have a partner, it’s advisable to claim pension credit to increase your income by £75 weekly or £300 monthly.

Pension Credit can also qualify you for a reduction in Council Tax. This can cover your whole council tax bill, or a part of it.

In England the average council tax bill is £131 per month, however many families, especially those living in larger houses, will have to pay more than that. The increases because council tax rates are based on property values set in the early nineties.

Pension Credit can also make you eligible for the Housing Benefit, which can help you earn thousands of pounds each year. If you are renting your house and get any amount of guarantee credit, you could qualify for the full amount of housing benefit available to you.

No specific amount has been set, but this could cover your entire rental bill, amounting to over £200 a month.

If you receive guarantee credit along with your Pension Credit, you can also apply for free dental care, which is valued at over £1,000 per year, or about £80 a month.

Pension Credit claimants can also get unlock some special phone and broadband deals that could save them £20 off their bill.

Overall, this amounts to £1,629 worth of benefits you may qualify for this August.

This payment used to be worth £300 but increased to £600 in recent years due to inflation. It is no longer given to all people who are over State Pension Age, just those claiming means tested benefit and Pension Credit. Pensioners can still take advantage of subsidy schemes that include these other discounts and freebies worth up to £11,600.

A Government spokesperson explained:

""This Government is committed to pensioners - protecting the triple lock, keeping energy bills low through our Warm Homes Plan, and cutting NHS waiting lists – bringing real stability to people’s lives. We said we would be honest with the public and, given the dire state of the public finances we have inherited, this government must take difficult decisions to fix the foundations of the economy."

Full List of Discounts and Freebies Available to Pensioners

Pension Credit — £3,900

Pension Credit funds older people on low incomes above state pension age; some 800,000 out of 2.5 million eligible Britons do not claim it. No minimum pension qualification is a requirement for this aid. This supplement helps old folks meet living expenses each day by topping up their allowance with £218.15 (£332.95 for couples).

This year’s qualifying week runs from Monday, 16 September to Sunday, 22 September, during which time people must claim Pension Credit in order that they may qualify for their Winter Fuel Payment.

Attendance Allowance — £5,644

Attendance allowance supports those who are over the state pension age and need extra support because of poor health or disability. It comes in two parts, either £72.65 or £108.55 per week depending on one’s own circumstances, which means that it would total up to £434.20 every four weeks or even £5,644.60 in a year.

The lower rate is for those who require help during the day or night, while the higher rate is payable when someone needs to help both day and night, or they have been diagnosed with a terminal illness.

National Insurance Cut — £1,394

When people reach state pension age, there is no need to pay any national insurance (NI) even if they are still working. This can result in significant savings being made. For example, an employee earning £30,000 per annum could save £1,394.40 in tax year 2024/25 assuming that the current NI threshold remains at£12,570 p.a.

Free Prescriptions — £119

Those aged below 16 years and above 59 years as well as full-time students who are between 16–18 years old are entitled to free prescriptions.

In addition, pregnant women; women who have just given birth having appeared at a doctor’s office within several months must also be exempted from this payment by their GP provided that such individuals receive certain benefits including:

• Income support
• Income-based jobseeker’s allowance
• Income-related employment and support allowance
• Pension Credit guarantee credit

Universal Credit claimants can also qualify if they earned no more than £435 (£935 if they feature child elements or limited work capabilities).

Free Bus Pass — £128

People who have reached the age of 66 and are eligible for a state pension will be given free bus travel. In London, residents are entitled to free transport on various modes in the city when they turn 60.

Free TV Licence — £169

Older persons aged over seventy-five years get a TV licence at zero charge, which is necessary for watching live television and streaming iPlayer service by BBC. Nevertheless, this must be accompanied by the receipt of Pension Credit.

Discounted Rail Fare — £142

Senior Railcard allows elderly people to obtain subsidized railway tickets; it costs £30 annually or £70 for three years. With this card, they can save one third on all rail journeys, with average annual savings for cardholders being equal to £96.

Council Tax — £2,065

Age, income, savings, household composition and council tax payments determine council tax discounts. Certain senior citizens may not pay anything depending on how life has treated them. The mean band D council tax in 2023/24 was £2065 showing an increase of 5.1% from the previous year’s rates.

However, there have been a lot of changes recently. The country’s Chancellor Rachel Reeves declared that she would be removing universal benefit for households in England.

Moreover, the current Labour Government is said to face a £22bn public finance gap as it claims taxpayers’ money is being wasted on rich old people who do not need such assistance.

Winter Fuel Payment New Eligibility Criteria

Under the new rules, winter fuel payments will be restricted to the most financially disadvantaged retirees who receive specific benefits:

• Pension Credit
• Income Support
• Income-Based Jobseeker’s Allowance
• Income-Related Employment and Support Allowance
• Universal Credit

As a result, approximately 10 million senior citizens will stop receiving this benefit and only a small percentage will still qualify.

Ms Reeves expects $1.4bn in savings from this change during the current year and $1.5bn in savings next year for the Treasury Department.

Old and New Payment Amounts

Historically, beneficiaries received tax-free sums between one hundred to three hundred pounds sterling for warming themselves up in the cold months of winter. In more recent times, these were also added with “cost of living payments”.

In the future, eligible households will be allowed to access an allowance ranging from 200 and 300 pounds (0.14 ton) depending on age bracket of beneficiaries and composition of household:

• £200 for most eligible households
• £300 for households with individuals over 80

Payment Distribution

Payments for heating during winter are usually deposited directly into bank or building society accounts, or through the Payment Exception Service for those who cannot deal with such accounts.

Most payments are made in November and December, and most of them have been achieved by the end of the year. Generally, these persons receive a letter of notification in October or November indicating how much they will get in payment. If, by the end of January, no payment has been received, but one is expected to be made, it would be good to contact the Winter Fuel Payment Centre.

While many homes pay for their energy through direct debit, which spreads costs evenly over the year, about 600,000 older households use prepayment meters. These households need to regularly top up their meters, making the winter fuel payment especially important.

Introduced by the Conservative government in 2013, this limit on welfare support has resulted in some families having only £4 per person each day to live on.

Benefit Cap's Impact on Family Housing and Poverty

A study conducted by the London School of Economics reveals that many families throughout different areas find themselves trapped in rented accommodations that are not only costly but also of bad quality despite being often the most affordable option within their community.

Professor Ruth Patrick from the University of York, co-author of the report, stated: “Any government committed to driving down child poverty and giving children better lives must get rid of the two-child limit and the benefit cap.

“These two policies symbolise the austerity years and should have no place in a socially just country.”

Based on the gov.uk website, the benefit cap sets a limit, on the amount of benefits that you can receive. This rule applies to most individuals aged 16 and above who have not attained State Pension age yet.

Lison Garnham, Chief Executive of the Child Poverty Action Group, has urged the government to take action, stating: “The government's new child poverty taskforce must make an early commitment to abolishing this cruel policy. Overnight, that would reduce the depth of poverty for around 300,000 children.”

Addressing the results, a government spokesman supported its approach saying : “We have taken bold action to support lower-income families right away, by developing an ambitious strategy to reduce poverty, tackle inequality and make work pay including first steps announced today to commit to a genuine living wage for working people,” as reported by Birmingham Live.

“And to deliver the biggest boost to affordable housing in a generation, we will build the next generation of new towns and legislate so we can build the homes Britain needs.”

Key Insights on the Benefit Cap and Support Limits

The purpose of the benefit cap is to restrict the amount of government benefits that a person can receive.

It usually affects individuals aged 16 and older, who have not attained State Pension age. This limitation includes many benefits such, as Universal Credit, Bereavement Allowance, Child Benefit, Child Tax Credit and Employment and Support Allowance.

It additionally includes Housing Benefit, Incapacity Benefit, Income Support, Jobseeker's Allowance, Maternity Allowance, Severe Disablement Allowance, and Widowed Parent's Allowance.

People who were benefitting from Widowed Mother's Allowance or Widow's Pension before 9 April 2001 are also affected by this.

State Pensioners Face Up to £600 Loss in Winter Fuel Payments

The upcoming payment cuts could mean that many state pensioners will lose up to £600 this winter due to stricter rules for winter payments.

Right now, Winter Fuel Payments are provided automatically to eligible state pensioners born before September 25, 1957, with amounts ranging from £250 and £600

Generally, any UK resident born before 1957 gets this benefit, unless they've been in hospital for over a period exceeding a year or have been in incarcerated.

Chancellor Announces Cuts to Winter Fuel Payments Amid £22 Billion Shortfall

Labour Chancellor Rachel Reeves unveiled a series of funding cuts to address a £22 Billion shortfall, she referred to as a ‘black hole’ in the nation’s finances.

As a result, Winter Fuel Payments will no longer be paid automatically, and will be provided only to those who receive specific benefits, including, Pension Credit, Universal Credit, Income Support, Jobseeker’s allowance and any income related support.

The Chancellor declared: “Around £1.5 billion will be saved per year by targeting Winter Fuel Payments meaning households with someone aged over State Pension age receiving Pension Credit, Universal Credit, Income Support, income-based Jobseeker’s Allowance and income-related Employment and Support Allowance will continue to receive Winter Fuel Payments. This will better target support for heating costs at those who need it.”

She added: “This is not the statement I wanted to give today, and these are not the decisions I wanted to make. But they are the right decisions in difficult circumstances.”

This retroactive payment is offered to new applicants for Universal Credit if there are particular issues that delay their application process.

Transition to Universal Credit: Updated Guidance for Benefit Claimants

Since more people are being moved from older benefit schemes to Universal Credit, updated guidance has been released. Those receiving tax credits were told to make the transition by the end of March.

Since then, those on Housing Benefit and Income Support started receiving letters asking them to switch to Universal Credit.

This month (July), the focus is on people on income-related Employment and Support Allowance (ESA) with Child Tax Credit.

Individuals on income-based Jobseeker's Allowance or income-related ESA, either alone or with Housing Benefit, are expected to transition in September.

People have three months to file a new Universal Credit claim before their current payments are revoked.

To facilitate the transitioning process between old and new payments, for those receiving income-based Jobseeker's JSA, income-related ESA, Income Support, or Housing Benefit a two-week extension is available

This implies that they will continue to get these benefits for two weeks following their application for Universal Credit, which will help them get through the five-week wait for their first UC payment, according to Birmingham Live.

Eligibility for Additional Month of Universal Credit Payments Explained

People who are having trouble with the application process or are facing transitional concerns may be eligible for an additional month of Universal Credit, according to the Department for Work and Pensions (DWP).

In the latest update concerning backdated Universal Credit claims, the authorities outlined: “You may be able to backdate your claim if you or your partner were delayed in making a claim through no fault of your own. Claims can be backdated for up to one calendar month from the date of your claim.”

Backdating can be approved in circumstances where people who have disabilities or medical conditions, including mental disorders, were unable to file their claims on time, or in situations where technical issues with the online Universal Credit submission process hindered prompt claiming, but the issue was resolved once the system was restored.

Additional reasons for requesting retrospective Universal Credit payments include situations in which a recipient had been moving from another benefit but was not informed of its discontinuation, or situations in which a joint claim was originally submitted with a partner but was later separated, resulting in a single person claim. Furthermore, cases where DWP staff misinformation resulted in delays may also qualify for back pay.

Additional documentation may be needed when applying for backdated payments. Those in need of financial assistance while waiting for their first Universal Credit payout can obtain an advance through the Universal Credit website.

This advance normally corresponds to the estimated amount of the first payment and must be repaid with deductions from future Universal Credit payments.

After applying for Universal Credit, a one-month review period begins, during which your financial situation is evaluated to determine how much you are eligible to receive.

Your benefit is deposited into your account seven days later, and this date becomes the usual Universal Credit payment date.

These important changes are outlined in a green paper, and a consultation has been introduced to collect input from benefit claimants.

DWP Considers Non-Cash Vouchers as Alternatives to PIP Payments in Welfare Consultation

The consultation's initiation reviewed modification to the PIP and Universal Credit frameworks. The DWP suggested in the green paper that routine payments might be swapped for non-cash vouchers, as proposed by the conservative government. This change could considerably affect how benefits are managed.

Currently, people who qualify for PIP from the DWP can get a weekly payment worth up to £184, which totals around  £9,580 annually, addressing various health issues and disabilities.

In the Green Paper, the government insisted it intended for 'everyone to have a chance to shape the modernisation of the welfare system. The findings of the consultation, which closes on Tuesday 23 July, will inform future reforms. '

The consultation is not over, and these are the suggestions being reviewed, as reported by Chronicle Live.

Voucher system

The Green Paper indicates that the Department for Work and Pensions (DWP) is considering to implement new payment methods. These methods include a voucher system to provide better assistance to those who need it the most. It also suggests that the DWP is looking at how international institutions handle disability benefits.

Andy Cook, Chief Executive of the Centre for Social Justice, has stated: “With the welfare system now grappling with the combined challenges of economic inactivity, school absence and mental health, this consultation provides a meaningful opportunity to shape the future of Britain's welfare state.”

He went on to say: “We owe it to those most struggling to make sure the benefit system provides the best support to those who need it. And with costs skyrocketing, it is time to bring the welfare system into the post-lockdown age.”

Catalogue/shop Scheme

To better assist disabled people, a catalogue/shop scheme is being considered. This would feature an approved list that disabled people could rely on to pick affordable or entirely free items, which is especially suitable for equipment and aids.

One-off Grants

One-off grants are expected to cover substantial expenses, including home modifications or costly equipments. This could require people to present evidence of their medical status in order to be eligible for such equipments or modifications.

Receipt-based System

A receipt-based system is also under consideration, where claimants would purchase aids themselves and then provide proof of purchase to claim a reimbursement. This could be compared to Access to Work, which offers financial assistance for equipment and other expenses to help disabled people to obtain and maintain employment.

Eligibility

Other forms of assistance might include healthcare services, social care services, and essential respite facilities, all crucial to helping individuals reach their full potential and maintain self-sufficiency.

The guideline states: “We would like to understand whether some people receiving PIP who have lower, or no extra costs, may have better outcomes from improved access to treatment and support than from a cash payment.”

Assessments

The review also examines whether certain groups need more assistance than they currently get, and whether this support should be financial or take other forms such as enhanced access to health services including mental health care or physiotherapy, or increased support from local authorities.