Citizen Advice NH answers questions about Pension Credit

1:00 p.m. June 20, 2022

If you are over the statutory retirement age, even if you own your own home or have savings, it may be worth checking whether you are entitled to a pension credit to help you cope with the expenses of daily life.

The Pension Credit is tax-free and supplements your weekly income up to a guaranteed minimum level of £182.60 per week for single pensioners or £278.70 for couples.

More than 1.4 million pensioners benefit from the Pension Credit, but a large number – up to 850,000 households – do not claim this additional financial assistance to which they are entitled and which can also help them to access other benefits. .

If you are considering applying but are unsure if you are eligible, Citizens Advice North Herts has the answers to some of your questions.

Is it worth claiming?

The average pension credit payment is actually over £65 a week, but even if you only receive a small amount of pension credit it can still lead to help with other things like rent, council tax, cold weather payments and a free TV license. for people aged 75 and over.

You can request a free phone call or complete a paper form, which can be downloaded from the GOV.UK website. You can also apply online.

“I have savings, so I will have nothing”

People can have savings, or even another pension, and still get money. Unlike other income-related benefits, such as Universal Credit, there is no capital limit and for Pension Credit savings of less than £10,000 are not taken into account.

“But I own my house”

Owners can also get a pension credit. In fact, almost half of people who get a pension credit own their home.

“I don’t get a state pension, so I can’t qualify”

You may still qualify for pension credit, even if you are not entitled to a state pension.

“I have already been refused for the pension credit, so it is not worth applying”

Your personal circumstances may have changed and your income or capital may have changed accordingly.

You can check your eligibility online ( or speak to one of our advisers.