A huge number of pensioners across the UK are unknowingly missing out on extra money from the government. Pension Credit, a benefit offered by the Department for Work and Pensions (DWP), could give older people an average boost of £4,300 per year. Yet, around 760,000 eligible pensioners still haven’t claimed it.
With the cost of living remaining high in 2025, the government is continuing its push to raise awareness about this valuable financial support. Here’s what you need to know.
What Is Pension Credit?
Pension Credit is a means-tested benefit that tops up the income of older people. It is designed to help those who are over State Pension age and on a low income.
You may be eligible if:
You are single and your weekly income is under £227.10
You live with a partner and your combined income is under £346.60 per week
Even if your income is slightly higher, you might still qualify if you have:
A disability
Housing costs
Savings
A caring responsibility
Why So Many Are Missing Out
Many pensioners wrongly assume they’re not eligible because they own a home or have some savings. However, these don’t automatically disqualify you.
In fact, the DWP stresses that even getting just £1 a week in Pension Credit can open the door to other benefits, like:
Help with housing costs
Discount on Council Tax
Cold Weather Payments
Free NHS dental treatment
A free TV licence (if over 75)
How Income and Savings Are Counted
Counted as income:
State Pension
Other pensions
Earnings from work
Most social security benefits (e.g., Carer’s Allowance)
Not counted as income:
Personal Independence Payment (PIP)
Disability Living Allowance (DLA)
Attendance Allowance
Winter Fuel Payment
Housing Benefit
Council Tax Reduction
DWP Christmas Bonus
Savings rules:
Up to £10,000 in savings and investments won’t affect your claim
If you have over £10,000, the DWP will count £1 extra income for every £500 above that threshold
(For example, £11,000 in savings adds £2 a week to your income calculation)
How to Check If You’re Eligible
To find out if you can get Pension Credit:
Use the official Pension Credit calculator on GOV.UK
Call the Pension Credit helpline on 0800 99 1234 (Monday to Friday, 8am–6pm)
If applying for a family member, you can still use the calculator or helpline on their behalf.
How Long Does It Take to Get Paid?
The DWP says nearly 78% of Pension Credit claims are processed within 10 weeks (50 working days). If you apply now, you could receive your first payment — including any back pay — by July 2025.
Where to Get Help
If you’re unsure where to start or need help with the process, trusted organisations like Age UK, Citizens Advice, Independent Age, and Income Max can provide free support.
Pension Credit is a lifeline for many older people, yet hundreds of thousands are missing out simply because they don’t realise they qualify. Whether you’re single or married, renting or owning your home, it’s worth checking your eligibility. Even a small Pension Credit award can give access to thousands of pounds in additional support, helping you manage household bills and health costs better. Don’t wait — check today and secure what you’re entitled to.
FAQs
What is Pension Credit and who can get it?
Pension Credit is a means-tested benefit from the DWP that tops up the income of people over State Pension age. Single pensioners earning less than £227.10 per week or couples earning less than £346.60 may qualify, even if they own their home or have some savings.
How much could I get from Pension Credit in 2025?
On average, eligible pensioners could receive up to £4,300 a year in Pension Credit. Even a small award, such as £1 a week, can unlock access to other valuable benefits.
Does having savings or a house affect Pension Credit eligibility?
Not always. Savings under £10,000 don’t affect your claim. If you have over £10,000, £1 is added to your income for every £500 above the limit. Owning your home doesn’t stop you from claiming.
How do I apply for Pension Credit?
You can apply online using the Pension Credit calculator on GOV.UK, or call the Pension Credit helpline on 0800 99 1234 (open Monday to Friday, 8am–6pm). Friends or family can help apply too.
What other benefits can Pension Credit unlock?
Receiving Pension Credit can give access to Council Tax Reduction, help with NHS costs, Cold Weather Payments, free TV licences for over-75s, and more—even if your Pension Credit amount is low.
