Who can claim it?
There are two parts of Pension Credit: Guarantee Credit and Savings Credit.
To be eligible for Guarantee Pension Credit, you or your partner need to have reached Pension Credit qualifying age. This is gradually increasing in line with State Pension age.
|Your date of birth||Date you qualify for Guarantee Pension Credit|
5 October 1953 and earlier
|You’ve already reached the qualifying age for Guarantee Credit|
|6 October 1953 to 5 November 1953||6 July 2018|
|6 November 1953 to 5 December 1953||6 November 2018|
|6 December 1953 and later||Check when you’ll qualify by visiting gov.uk/calculate-state-pension or calling the Pension Service on 0800 99 1234|
Your weekly income, including assumed income from savings and capital over £10,000, will need to be below the minimum amount the government says you need to live on: usually £163 for a single person or £248.80 for a couple.
To be eligible for Savings Pension Credit, you or your partner must be 65 or over and have qualifying income of at least £140.67 a week for a single person or £223.82 a week for a couple – see our factsheet Pension Credit for full details. Savings Credit is being phased out, so you won’t be able to claim Savings Credit anymore if you’re single and reached State Pension age on or after 6 April 2016. If you’re a couple and one of you reached State Pension age before 6 April 2016, you might still be able to claim.
You can use our free personalised benefits calculator to work out if you might be eligible. Just enter your details to find out.
How much can I get?
Guarantee Credit tops up your weekly income to:
- £163 for a single person
- £248.80 for a couple (married, in a civil partnership or cohabiting).
You might be able to get more than this if you’re severely disabled, a carer, or have certain housing costs. If you get Guarantee Pension Credit, you’ll also be eligible for some extra perks, including free NHS dental treatment.
Savings Credit can give you:
- up to £13.40 a week for a single person
- up to £14.99 a week for a couple (married, in a civil partnership or cohabiting).
The exact amount you’ll get depends on your income and savings.
How to claim Pension Credit
To make a claim for Pension Credit, call the claim line on 0800 99 1234. If you can’t claim by phone, ask a relative or a voluntary organisation such as a local Citizens Advice to request a paper application form on your behalf.
Watch our animation on how to claim Pension Credit:
Read our factsheet Pension Credit for more information.