If you were born before 1958, you could be missing out on thousands of pounds in financial support. The Department for Work and Pensions (DWP) is calling on pensioners to check their eligibility for benefits like Pension Credit and Attendance Allowance. These schemes can add up to £4,000 annually—and that’s not even counting extra perks like free TV licenses and Winter Fuel Payments. Let’s break it down so you know exactly what you’re entitled to and how to claim it.
Pension Credit
Pension Credit is designed to top up your income if it falls below a certain amount. It comes in two parts and can be a lifeline for many.
Guarantee Credit:
This brings your weekly income up to a minimum:
- £218.15 for single people
- £332.95 for couples
Savings Credit:
If you’ve saved some money towards retirement—through a private pension or other means—you could get:
- Up to £15.94 per week if you’re single
- Up to £17.84 per week for couples
Here’s a quick look:
| Credit Type | Single (£/week) | Couple (£/week) |
|---|---|---|
| Guarantee Credit | 218.15 | 332.95 |
| Savings Credit | 15.94 | 17.84 |
Even if you’re a little over the income limit, don’t assume you won’t qualify. Factors like housing costs or disabilities can still make you eligible.
Attendance
Attendance Allowance is another key benefit, especially for those who need help because of long-term health conditions. It’s not based on your income or savings, making it accessible for many.
There are two payment levels:
- Lower rate: £68.10 per week (if you need care during the day or night)
- Higher rate: £108.55 per week (if you need care both day and night)
To qualify, you must be over State Pension age and need care for at least six months. If you’re terminally ill, you can apply immediately.
Increase
Thanks to the triple lock system, which guarantees the State Pension rises each year based on inflation, wage growth, or 2.5% (whichever is highest), pensions will increase by 4.1% in April 2025.
| Pension Type | Current (£/week) | New (£/week) | Annual Rise (£) |
|---|---|---|---|
| New State Pension | 221.20 | 230.25 | 470 |
| Basic State Pension | 169.50 | 176.45 | 360 |
This increase means a better safety net as living costs continue to rise.
Extras
Getting Pension Credit doesn’t just mean more money each week. It also unlocks a bunch of other benefits:
- Winter Fuel Payment: Up to £300 to help with heating bills
- Free TV License: Worth £159 a year if you’re over 75 and get Pension Credit
- Council Tax Reduction: Big savings on your Council Tax bill
- Housing Benefit: Help with rent if you’re in rented accommodation
Many people don’t realize these extras are tied to Pension Credit—so don’t miss out.
Applying
Ready to apply? Here’s how.
For Pension Credit:
- Use the Pension Credit Calculator online
- Call 0800 99 1234 to apply by phone
- Or ask for a paper form to apply by post
For Attendance Allowance:
- Download the form from the official site
- Or call 0800 731 0122 for help and to request a form
Be sure to provide complete details about your income, health, and support needs to make the process smooth.
The truth is, thousands of eligible pensioners don’t claim the support they deserve—just because they’re unaware. If you were born before 1958, now is the perfect time to check what you could be entitled to. It might be worth up to £4,000 a year—and that’s a real difference.
FAQs
Who qualifies for Pension Credit?
Anyone over State Pension age with low income may qualify.
Is Attendance Allowance means-tested?
No, it doesn’t consider your income or savings.
What is the 2025 State Pension increase?
A 4.1% rise due to the triple lock system.
How do I apply for Pension Credit?
Use the calculator online or call 0800 99 1234.
What is the Winter Fuel Payment?
An annual payment of up to £300 for heating costs.