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Pension Credit

Woman in garden

Pension Credit is a means-tested benefit for people over State Pension age, to help with the cost of living.

You could be entitled to Pension Credit if your weekly income is less than £218.15 if you are single, or £332.95 for a couple. If you are a couple your combined income and capital are taken into account in the calculation.

To work out your entitlement to Pension Credit the Government
will look at:

  • Your income. This includes your State Pension and private pensions, but disability benefits such as Personal Independence Payment, Adult Disability Payment and Attendance Allowance are ignored.
  • Your capital and savings. There is no upper savings limit for claiming Guarantee Pension Credit. If you have capital and savings over £10,000 this is assumed to generate a weekly income of £1 for every £500, or part of £500, you have over
    £10,000. The value of your normal home is ignored.
  • Your circumstances. If you receive a disability related benefit, are a carer, have dependent children or you have to pay service charges to live in your home, you may be entitled to more than the basic amount. Service charges could include reasonable charges for maintenance of gardens, lifts, and entry phones and cleaning of communal areas and windows.

There are two parts to Pension Credit: Guarantee Credit and Savings Credit. Savings Credit is being phased out and you can only claim it if you reached your State Pension age before 6th April 2016.

Benefit Workshops

The benefits system is complicated. It can be difficult to work out what you are entitled to, and how to claim it. Find out more about joining one of our Benefit Workshops here

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