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 women’s State Pension age. This is 63 in April 2016, but is gradually increasing, so check if you’ve reached it at gov.uk/state-pension-age or by contacting the Pensions Advisory Service on 0300 123 1047.

Your weekly income, including assumed income from savings and capital over £10,000, will need to be below £155.60 for a single person or £237.55 for a couple to qualify for Pension Guarantee Credit.

To be eligible for Pension Savings Credit, you or your partner must be 65 or over and have qualifying income of at least £133.82 a week for a single person or £212.97 a week for a couple – see our Pension Credit factsheet for full details. The system changed recently, so you won’t be able to claim Savings Credit anymore if you are single and reach 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 is it worth?

Guarantee Credit tops up your weekly income to:

  • £155.60 for a single person
  • £237.55 for a couple (married or in a civil partnership)

Savings Credit can give you:

  • Up to £13.07 a week for a single person
  • Up to £14.75 a week for a couple (married or in a civil partnership)

The exact amount you’ll get depends on your income and savings.

If you get Pension Guarantee Credit, you’ll also be eligible for some extra perks, including free NHS dental treatment, and you may get extra money added to your Pension Credit if you’re a carer, are disabled, or have certain housing costs.

Claiming Pension Credit

Next steps

To make a claim for Pension Credit, call the claim line on 0800 99 1234.

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