DWP warns thousands of over-65s of benefit under Charity Independent Age

Many older people in the UK are missing out on financial help they’re entitled to. Charity Independent Age has raised concerns, highlighting that thousands of pensioners could ease their financial burden during the ongoing cost-of-living crisis by claiming Pension Credit. This benefit can boost annual income by up to £4,200 and offers additional support for healthcare, council tax, and other essential costs.

The good news? You can apply for Pension Credit up to four months before reaching State Pension age (66). Here’s everything you need to know about who qualifies, how to apply, and the extra benefits available.

Why You Shouldn’t Miss Out on Pension Credit

According to Independent Age, thousands of eligible pensioners are not claiming Pension Credit simply because they are unaware of their eligibility. Fran McSweeney, the charity’s Head of National Services, explained in a recent video that this top-up payment ensures pensioners meet the minimum income standard set by the UK government.

Apart from the income boost, Pension Credit also unlocks extra financial help with:

• NHS dental treatment costs
• Prescription glasses expenses
• Council Tax reductions
• Housing costs

For individuals with disabilities or carers, the payments could be even higher.

How Much Can You Get?

The exact amount depends on your income, savings, and circumstances. Pension Credit comes in two parts:

1. Guarantee Credit (Income Top-Up)

Guarantee Credit tops up your income to at least:

• £218.15 per week for a single person
• £332.95 per week for a couple (married, civil partnership, or cohabiting)

Extra amounts are available if you:

• Have a disability
• Are a carer
• Have certain housing costs

2. Savings Credit (Reward for Saving)

Savings Credit is available if you or your partner reached State Pension age before April 6, 2016. It provides up to:

• £17.01 a week for a single person
• £19.04 a week for a couple

Savings Credit eligibility requires a minimum income of:

• £189.80 per week for a single person
• £301.22 per week for a couple

How to Check If You’re Eligible

Many people assume they don’t qualify because they own property or have savings. However, the first £10,000 of savings are ignored when calculating eligibility.

Here’s how to check:

1. Use the Pension Credit Calculator on GOV.UK.
2. Call the Pension Credit Helpline at 0800 99 1234 (Monday to Friday, 8 am–6 pm).
3. Visit the Independent Age website for detailed guidance.

Applying for Pension Credit: Step-by-Step

 1. Apply Early

You can apply up to four months before turning 66 if you expect to meet the income requirements.

 2. Backdate Your Claim

If you’ve already passed State Pension age, you can still claim backdated payments for up to three months, provided you were eligible during that time.

 3. Gather Key Information

Prepare the following details before applying:

• National Insurance number
• Income details (State Pension, private pensions, or wages)
• Savings and investments information
• Existing benefit details (if any)

 4. Submit Your Application

You can apply:

• Online: Visit GOV.UK.
• By phone: Call the Pension Credit Helpline (0800 99 1234).
• By post: Download and complete a Pension Credit claim form from the GOV.UK website.

Additional Benefits of Pension Credit

Once you receive Pension Credit, you automatically qualify for various other benefits, such as:

• Council Tax Reduction (up to 100% depending on your local authority)
• Cold Weather Payments (£25 for every 7-day period of freezing weather)
• Free NHS Prescriptions, Dental Treatment, and Eye Tests
• Housing Benefit (for those renting their home)
• Help with Mortgage Interest (if you own your home)

Tip: If you’re a carer or have a disability, be sure to inform the DWP during your application to receive higher payments.

Need Help? Reach Out!

If you’re unsure about the process, Independent Age offers free assistance. Contact them at:

• 0800 319 6789 (Monday to Friday)
• [email protected]

Pension Credit is more than just an income top-up—it’s a gateway to essential support that can significantly reduce your living costs. With up to £4,200 a year available, thousands of pensioners stand to benefit.

Don’t let misconceptions about savings or homeownership stop you from applying. The first £10,000 of savings is ignored, and even homeowners can qualify if their income falls below the government threshold.

Apply early, backdate claims if needed, and reach out for assistance if you’re unsure. A more comfortable and secure retirement might just be a phone call away.

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