The Department for Work and Pensions (DWP) is encouraging pensioners, particularly 1950s-born women affected by State Pension age changes, to check their eligibility for Pension Credit. This means-tested benefit could provide an annual income boost of more than £4,200, yet an estimated 760,000 eligible pensioners are not claiming it.
Pension Credit is designed to top up low retirement incomes, ensuring that single pensioners receive at least £218.15 per week and couples £332.95 per week. From 7 April, these amounts will increase to £227.10 and £346.60 per week due to the annual uprating.
Government Push to Increase Take-Up
The government has been working to raise awareness about Pension Credit, particularly for those most impacted by State Pension age reforms. Many 1950s-born women, often referred to as WASPI women (Women Against State Pension Inequality), were affected by changes that delayed their State Pension entitlement, leaving some in financial hardship.
To increase the number of claims, the DWP has launched a nationwide campaign, which has been running since September. The government is also distributing information leaflets to around 11 million pensioners, alongside their State Pension uprating letters, to encourage more people to check their eligibility.
The DWP Minister highlighted the importance of Pension Credit in supporting low-income retirees, Stating:
“The Government is absolutely committed to supporting pensioners and giving them the dignity and security they deserve in retirement.”
“Receipt of Pension Credit also opens the door to a whole range of other financial support, including help with rent, Council Tax, fuel bills and a free TV licence for those over 75. That’s why the Government is taking significant steps to raise awareness and maximise the take-up of Pension Credit.”
Who Can Apply for Pension Credit?
Pension Credit is available to people who have reached State Pension age and have a low income. The benefit ensures that single pensioners receive a minimum of £218.15 per week and couples £332.95 per week, though these amounts will increase in April.
Even those who qualify for a small top-up—sometimes as little as £1 per week—can gain access to additional financial benefits, including:
- Housing Benefit for those who rent their home.
- Council Tax reductions, depending on local authority rules.
- Help with energy costs through the Warm Home Discount Scheme and Winter Fuel Payments.
- A free TV licence for those aged 75 and over.
Changes to Eligibility for Mixed-Age Couples
Since May 2019, changes have been made to how mixed-age couples—where one partner is over State Pension age and the other is under it—can claim benefits. Previously, a couple could qualify for Pension Credit as soon as the older partner reached State Pension age. However, under the revised rules, both partners must now be over State Pension age to receive Pension Credit or pension-age Housing Benefit.
How to Apply for Pension Credit
Pensioners can check their eligibility and apply for Pension Credit in several ways:
- Using the Pension Credit calculator on the GOV.UK website.
- Calling the Pension Credit helpline at 0800 99 1234 (Monday to Friday, 8 AM to 6 PM).
- Seeking assistance from organisations such as Age UK, Citizens Advice, and Independent Age.
With thousands of pensioners potentially missing out on vital financial support, checking eligibility and submitting a claim could make a significant difference to household income.
