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 must be State Pension age. You can check when you'll reach State Pension age on Gov.uk.
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. This amount could be higher if you're disabled, a carer or have certain housing costs.
To be eligible for Savings Pension Credit, you or your partner must have reached State Pension age 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.
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.