If you are of State Pension age (aged 66 years or older) and are on a low income, you may be entitled to extra money.
Pension Credit does more than provide direct financial support - it can unlock a range of support that could save eligible pensioners hundreds of pounds each year.
Four ways Pension Credit helps pensioners save:
- Housing costs: Pension Credit can help with certain housing costs. Eligible pensioners might also qualify for a Local Council Tax Reduction to lower their council tax bill, Housing Benefit if they're renting, or Support for Mortgage Interest if they own their home.
- Energy bills: Pension Credit unlocks access to additional energy support. Eligible pensioners could receive the Warm Home Discount to reduce electricity costs and Cold Weather Payments during particularly cold spells
- Health and wellbeing: Pension Credit can provide access to essential NHS services. This includes dental treatment and help with transport costs for hospital appointments.
- TV Licence: Pensioners aged 75 and over who are eligible for Pension Credit qualify for a free TV Licence.
To find out more visit https://www.gov.uk/pension-credit for full details and to apply. Eligibility criteria apply.
From 6 April 2026 State Pension age is increasing* from 66 to 67, in incremental stages depending on your date of birth.
The State Pension isn't paid automatically but The Pension Service will send individuals an invitation letter four months before you reach your State Pension age with instructions on how to apply.
If you were born between 6 April 1960 and 5 March 1961, check your State Pension age at gov.uk/state-pension-age
*The increase in State Pension age from 66 to 67 was set out under the Pensions Act 2014. Those born between 6 April 1960 and 5 March 1961 will reach their State Pension age at 66 years and the specified number of months.