DWP update for pensioners making a new claim for £4,200 income boost
Pensions Minister Torsten Bell has shared a comprehensive list of help available for older people making a new claim for Pension Credit, which includes resources online, over the phone and even in your own home. The Department for Work and Pensions (DWP) and third-party organisations such as Independent Age, Age UK and Citizens Advice can also support pensioners through the application process.
The DWP Minister’s comments came after Labour MP Paula Barker asked about support for older people making a Pension Credit claim. The income boost will be worth around £4,200 this year and unlocks access to other financial support including help with housing costs, Council Tax and heating bills such as the Warm Home Discount, Winter Fuel Payment and Pension Age Heating Payment (Scotland only).
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In his written response on Tuesday, Mr Bell said: “The Government wants those eligible for Pension Credit but not currently claiming it to receive the benefits they are entitled to. We know there are low-income pensioners who are not claiming Pension Credit, and we urge those people to apply. We encourage all pensioners who may be eligible for Pension Credit to use the Pension Credit calculator on GOV.UK to check eligibility and to use our online Pension Credit claims process.”
The Pensions Minister also explained how claims for Pension Credit can be made at any time of day or night online at GOV.UK here.
The online service also enables those who may struggle to make the claim on their own the flexibility to have a friend or family member help them, at a time convenient to them. Pension Credit claims can also be made through the Freephone telephone number 0800 99 1234.
There is also an option to complete a paper-based Pension Credit application form.
Mr Bell continued: “DWP Agents and third-party organisations are available to support customers with the application process. For customers who are unable to complete forms themselves a home visit from a visiting officer can be arranged.
“For customers who are deaf and use British Sign Language a Video Relay Service (known as VRS) is available and for customers who cannot hear or speak on the phone, can use Relay UK service.”
Further information can also be found on the Pension Credit easy read guide on GOV.UK here.
Pension Credit is the most under-claimed benefit and is specifically aimed at providing additional financial support for older people on a low income - singles and couples. Nearly 1.4 million older people across Great Britain, including more than 125,000 living in Scotland, are currently receiving the means-tested benefit that could provide an average of £4,200 in extra support during the coming months.
Some older people think because they have savings or own their home they would not be eligible for the means-tested benefit, which can also provide access to help with housing costs, heating bills and Council Tax.
An award of just £1 per week is enough to unlock other support.
Below is an overview of the benefit including who should check eligibility, how to go about it, how much you could get and where to get help filling in the form.
Who can claim Pension Credit?
There are two types of Pension Credit - Guarantee Credit and Savings Credit.
To qualify for Guarantee Pension Credit , you must be State Pension age (66). Your weekly income will need to be less than the minimum amount the UK Government says you need to live on.
This is £218.15 for a single person and £332.95 for a couple - this amount could be higher if you're disabled, a carer or have certain housing costs.
You can only get Savings Credit if:
you reached State Pension age before April 6, 2016, or you have a partner who reached State Pension age before this date and was already receiving it
you have qualifying income of at least £189.80 a week for a single person and £301.22 a week for a couple
How much could you receive from DWP?
Guarantee Credit tops up your weekly income to:
£218.15 for a single person
£332.95 for a couple (married, in a civil partnership or cohabiting)
You might be able to get more than this if you're disabled or a carer, or you have certain housing costs.
Savings Credit can give you up to:
£17.01 a week for a single person
£19.04 a week for a couple (married, in a civil partnership or cohabiting).
The exact amount you’ll get depends on your income and savings. Your income includes assumed income from savings and capital over £10,000.
How to check eligibility for Pension Credit
Older people, or friends and family, can quickly check their eligibility and get an estimate of what they may receive by using the online Pension Credit calculator on GOV.UK here.
Alternatively, pensioners can contact the Pension Credit helpline directly to make a claim on 0800 99 1234 - lines are open 8am to 6pm, Monday to Friday.
Expert help and advice is also available from:
More details about claiming Pension Credit can be fond on GOV.UK here.
Other help if you get Pension Credit
If you qualify for Pension Credit you can also get other help, such as:
Housing Benefit if you rent the property you live in
Support for Mortgage Interest if you own the property you live in
Council Tax discount
Free TV licence if you are aged 75 or over
Help with NHS dental treatment, glasses and transport costs for hospital appointments
Help with your heating costs through the Warm Home Discount Scheme, Winter Fuel Payments or Pension Age Winter Heating Payment
A discount on the Royal Mail redirection service if you are moving house
Mixed aged older couples and Pension Credit
In May 2019, the law changed so a ‘mixed age couple’ - a couple where one partner is of State Pension age and the other is under it - are considered to be a ‘working age’ couple when checking entitlement to means-tested benefits.
This means they cannot claim Pension Credit or pension age Housing Benefit until they are both State Pension age. Before this DWP change, a mixed age couple could be eligible to claim the more generous State Pension age benefits when just one of them reached State Pension age.
How to use the Pension Credit calculator
To use the calculator on GOV.UK, you will need details of:
earnings, benefits and pensions
savings and investments
You’ll need the same details for your partner if you have one. You will be presented by a series of questions with multiple choice answer options.
This includes:
Your date of birth
Your residential status
Where in the UK you live
Whether you are registered blind
Which benefits you currently receive
How much you receive each week for any benefits you get
Whether someone is paid Carer’s Allowance to look after you
How much you get each week from pensions - State Pension, private and work pensions
Any employment earnings
Any savings, investments or bonds you have
Once you have answered these questions, a summary screen shows your responses, allowing you to go back and change any answers before submitting. The Pension Credit calculator then displays how much benefit you could receive each week.
All you have to do then is follow the link to the application page to find out exactly what you will get from the DWP, including access to other financial support.
There’s also an option to print off the answers you give using the calculator tool to help you complete the application form quicker without having to look out the same details again. Try the Pension Credit Calculator for yourself or your family member to make sure you’re receiving all the financial support you are entitled to claim.
Who cannot use the Pension Credit calculator?
You cannot use the calculator if you or your partner:
are deferring your State Pension
own more than one property
are self employed
have housing costs (such as service charges or Crown Tenant rent) which are neither mortgage repayments nor rent covered by Housing Benefit
How to make a claim
You can start your application up to four months before you reach State Pension age. You can claim any time after you reach State Pension age but your claim can only be backdated for three months.
This means you can get up to three months of Pension Credit in your first payment if you were eligible during that time.
You will need:
your National Insurance number
information about your income, savings and investments
your bank account details, if you’re applying by phone or by post
If you’re backdating your claim, you’ll need details of your income, savings and investments on the date you want your claim to start.
Apply online
You can use the online service if:
you have already claimed your State Pension
there are no children or young people included in your claim
To check your entitlement, phone the Pension Credit helpline on 0800 99 1234 or use the GOV.UK Pension Credit calculator here to find out how much you could get.
