Changes to fuel support rules mean some pensioners may miss out this winter — but alternative financial aid remains available. Government benefits such as Pension Credit, Housing Benefit and Attendance Allowance remain largely underclaimed.
Many older adults across the UK face rising living costs, especially during the colder months. While Winter Fuel Payments provide essential help, recent rule changes could reduce eligibility, particularly for those with annual incomes above £35,000.
According to the Express, those who fall outside the new criteria will see the value deducted through taxation, effectively nullifying the benefit. Simultaneously, several other forms of support remain accessible to people over state pension age. These include means-tested and non-means-tested benefits, often overlooked despite their substantial financial value.
Housing and Heating Support Largely Unclaimed Despite Eligibility
A significant proportion of pensioners renting their homes may be entitled to Housing Benefit. According to Age UK, this benefit can be claimed by anyone aged 66 and over to help with rental costs. The value awarded depends on income, rent, and living situation, and it remains one of the six legacy benefits not yet fully transitioned to Universal Credit.
In terms of energy support, the Warm Home Discount is automatically applied to eligible electricity accounts during the winter season. It is available to those receiving the guarantee credit element of Pension Credit or those on a low income with high energy costs. The scheme does not pay cash directly but instead issues a rebate to energy accounts.
Eligibility for the Warm Home Discount can vary by region and supplier, especially in Scotland, where specific supplier criteria must also be met. The Gov.uk website provides more detailed guidance, and applications are usually handled automatically, reducing barriers to access.
Income Supplements and Disability Support Available for Low Earners
One of the most overlooked benefits for pensioners is Pension Credit. This income-based supplement can provide up to £4,300 annually for individuals earning below the full state pension threshold. According to Gov.uk, Pension Credit is one of the most underclaimed benefits in the UK, with around £1.5 billion left unclaimed each year.
Pensioners with health conditions or disabilities may also be eligible for Attendance Allowance, which offers between £73.90 and £110.40 weekly depending on the level of personal care required.
Unlike Personal Independence Payment (PIP), which must be claimed before reaching state pension age, Attendance Allowance is designed specifically for those aged 66 and over.
Those providing care may also qualify for Carer’s Allowance, though payments depend on pension income. While full payment is only issued to those earning below £83.30 per week in pension, even partial or “underlying entitlement” can result in increased means-tested benefits, according to Age UK.
