Many older people in the UK don’t know they can get extra money from the government each week. If you’re over State Pension age, live alone, and have a low income, you could receive up to £227.10 a week through a benefit called Pension Credit.
This support comes from the Department for Work and Pensions (DWP) and is separate from your regular State Pension.
Let’s break it down so it’s easy to understand.
What Is Pension Credit?
Pension Credit is a government benefit to help older people with their living costs. Even if you already get a State Pension, have some savings, or own your home, you might still qualify.
You can claim Pension Credit as a single person or as a couple. For people living alone, it tops up their weekly income to £227.10. Couples can get up to £346.60 per week.
If you have a severe disability, you may also receive an extra £82.90 every week on top of your usual payment.
How Much Has Pension Credit Increased in 2025?
Starting from April 7, 2025, Pension Credit payments went up by 4.1%. This increase follows the rise in average weekly earnings across the country.
So now:
- Single pensioners get at least £227.10 a week (up from £218.15).
- Couples get at least £346.60 a week (up from £332.95).
Extra Benefits Worth Over £4,000 a Year
Claiming Pension Credit can open the door to other helpful financial support. On average, these extra benefits are worth about £4,300 per year. This might include:
- Help with rent and housing costs
- Discounts on Council Tax
- Cold Weather Payments
- Free TV licence (if you’re over 75)
Many people don’t claim Pension Credit even though they qualify. Finance expert Sarah Pennells says around 30% of people who are eligible haven’t even checked if they can get it.
You can apply for Pension Credit at any time. If you apply late, you can still backdate your claim for up to three months and get a lump sum payment for that time.
Who Can Apply for Pension Credit?
To be eligible, you must:
- Live in England, Scotland, or Wales
- Be over the State Pension age, which is 66 for men and women
- Have a low income
Your income includes:
- State Pension and other pensions
- Earnings from jobs or self-employment
- Most benefits you already get
If your savings are under £10,000, they won’t affect your payments. If you have more, then every £500 over £10,000 counts as £1 extra income per week. For example, if you have £11,000 saved, it adds £2 a week to your income.
How to Apply
You can use the Pension Credit calculator on the DWP website to see how much you might get. You can start your claim up to four months before you reach State Pension age.
Even if you’ve already reached State Pension age, you can still apply and have your payments backdated for three months.
Pension Credit is a lifeline for many older people in the UK. With rising living costs, every bit helps. If you or someone you know is over 66 and on a low income, it’s worth checking if you’re eligible. The extra weekly payments, plus additional benefits, can make a big difference in living more comfortably during retirement.
FAQs
Who can claim Pension Credit in the UK?
Anyone living in England, Scotland, or Wales who is over State Pension age (currently 66) and has a low income may be eligible to claim Pension Credit.
How much is the Pension Credit payment in 2025?
From April 2025, single pensioners can receive up to £227.10 a week, and couples can get up to £346.60, depending on their income.
Does owning a home affect Pension Credit eligibility?
No, you can still qualify for Pension Credit even if you own your home. Eligibility depends mainly on your income and savings.
Can Pension Credit be claimed if I already get a State Pension?
Yes, Pension Credit is separate from the State Pension and is meant to help boost your income if it’s low.
What other benefits can Pension Credit unlock?
Pension Credit can provide access to other support like help with rent, Council Tax reductions, free TV licences for over-75s, and more.
- Top 3 Most Meanest Zodiac Signs - June 14, 2025
- Top 4 Zodiac Signs That Make The Best Lovers - June 14, 2025
- Top 3 Zodiac Signs Whose Dreams Come True - June 14, 2025
