Failing to update the Department for Work and Pensions (DWP) on changes could lead to court action or repayment demands. Pensioners on low incomes are being reminded of their duty to report both personal and financial changes under Pension Credit rules.
Pension Credit is a UK benefit designed to support people over State Pension age with additional income. Unlike the State Pension itself, it is means-tested and intended to ensure pensioners meet a minimum income threshold. While it offers significant support, the scheme imposes strict rules regarding notification of changes.
Changes in Personal Circumstances That Must Be Declared
Pensioners receiving Pension Credit are obligated to report a variety of life events. These include moving home, changes in relationship status—such as starting or ending a relationship—or the death of a partner named in the claim.
Other situations include periods spent in hospital or care, changes in household composition, and name or bank account changes.
One key aspect often overlooked is travel abroad. The DWP requires notification if the claimant leaves England, Scotland or Wales, even temporarily, such as for a holiday. Childcare responsibilities also fall under reportable changes, including when a person starts or stops looking after someone under 20.
Any change in immigration status, for those who are not British citizens, must also be reported without delay. The DWP emphasises that claims “might be reduced or stopped” if updates are not provided immediately.
The Pension Service helpline (0800 731 0469) is available to clarify uncertainties. Claimants are advised to contact the service if unsure about whether a specific situation requires disclosure.
Financial Changes Can Affect Eligibility and Payment Amounts
In addition to personal details, financial changes are subject to strict reporting rules. These encompass housing costs, such as new ground rents or service charges, and adjustments in household benefits. Claimants must also notify the DWP if they or their partner begin receiving a new benefit or if an existing one stops.
Further, changes in occupational or personal pensions—including starting a new pension or withdrawing a lump sum—must be declared. Other reportable financial alterations include increases in savings, investment income, foreign pensions, or any additional sources of earnings.
According to the government website, not reporting these financial changes can lead to overpayments. If this occurs, recipients may be required to repay the full amount, and in more serious cases, they may face legal action.
Failing to maintain accurate and current information with the DWP is not simply an administrative oversight. It can carry legal and financial consequences, underscoring the importance of transparency in the UK’s benefits system.
