Older pensioners on low incomes across the UK may be missing out on a valuable benefit that could remove the cost of their TV Licence entirely. Following a government-backed price increase earlier this year, the annual fee now stands at £174.50. But for some over-75s, that expense can be reduced to zero.
A little-known entitlement linked to Pension Credit allows eligible individuals to apply for a free TV Licence, with the Department for Work and Pensions (DWP) stating the entire process can be completed in around 16 minutes. The benefit not only covers the full licence cost but also opens access to additional financial help, which many older people may not be aware of.
Pension Credit Opens the Door to Free TV Licences and Wider Support
Since April 1, 2024, the UK’s TV Licence fee increased by £5, in line with inflation, reaching £174.50 for a standard licence or £58.50 for those still using black-and-white sets. This adjustment, as agreed by the government, will continue annually until at least the end of 2027. While this may place further pressure on household budgets, people aged 75 and over, and in receipt of Pension Credit, are eligible for a free TV Licence.
According to the Department for Work and Pensions, Pension Credit currently tops up weekly income to £227.10 for single claimants and £346.60 for couples. It also acts as a gateway to other financial benefits, including Housing Benefit, Council Tax support, help with dental treatment and glasses, and the Winter Fuel Payment. Most importantly in this context, it provides access to a free TV Licence for those aged 75 or over.
The DWP notes that the Pension Credit application process takes an average of just 16 minutes. Once approved, recipients aged 74 can begin the process of applying for their free TV Licence, which takes effect from the month of their 75th birthday. Until then, they must continue paying the standard fee.
According to TV Licensing, this free licence covers all live TV viewing as well as the use of BBC iPlayer, both of which normally require a valid licence by law. Failure to obtain one while continuing to watch live TV or BBC content can result in a fine of up to £1,000.
Other Ways to Reduce or Avoid the Fee
While not everyone over the age of 75 qualifies for Pension Credit, there are other legal ways to reduce or even cancel the cost of a TV Licence. According to guidance published by TV Licensing, individuals who no longer watch or record live TV on any channel, including online services like YouTube, Netflix or BBC iPlayer, are not required to pay for a licence. This also applies to those who watch only on-demand content, DVDs or Blu-rays.
There are also concessions for people living in care homes or supported accommodation, who may qualify for a reduced-fee licence. Those who are registered blind (severely sight impaired) can apply for a 50% discount, provided they submit the required evidence.
For households not covered by these options, sharing a TV Licence may be viable. Licences are per household, not per individual, so housemates with joint tenancy agreements and shared TV use only need one licence. If each tenant has a separate agreement and watches TV in private rooms, separate licences are required.
According to the DWP, many eligible pensioners are not currently claiming Pension Credit, and by extension, may also be missing out on their free TV Licence. The department continues to encourage those over State Pension age to check their eligibility and apply, with the dual goal of easing financial pressure and improving access to key services.
