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Advice on Pension Credit

Pension Credit is a means-tested benefit paid by the Pension Service (which is part of the Department for Work and Pensions or DWP). It tops up your weekly income to meet a minimum level set by the Government.

Pension Credit has two parts: Pension Guarantee Credit and a Pension Savings Credit. 

The Pension Guarantee Credit is available for people of state pension age, as determined by the government. Currently this is at least 61 years for women and 65 for men. It is paid to people over pension credit age whose weekly income is below £145.40 for individuals or £222.20 for couples.

The Pension Savings Credit is paid to eligible people aged 65 and over to reward them for making provision towards their retirement, by having other savings and income.

About four million older people are entitled to receive Pension Credit to top up their retirement income, yet just under half of those eligible are not claiming it, or are not claiming the right amount. If you think you might be missing out, this guide explains how Pension Credit is worked out and how to make a claim.


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Pension Credit



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