Around 800,000 eligible pensioners do not claim Pension Credit, missing out on an average of around £3,900 per year. If you are over State Pension age with a low income, checking your eligibility should be a priority.
- What Pension Credit is
- Why it matters beyond the payment
- How to claim
What Pension Credit is
Pension Credit tops up weekly income to a minimum of £218.15 for single pensioners and £332.95 for couples in 2026/27. If your income falls below these figures, Pension Credit makes up the difference.
Why it matters beyond the payment
Qualifying for Pension Credit unlocks a range of other valuable support — a free TV licence for those aged 75 and over, full Housing Benefit, full Council Tax Reduction, free dental treatment and sight tests, and cold weather payments. The total package of additional benefits can be worth significantly more than the credit itself.
How to claim
Call the Pension Credit claim line on 0800 99 1234, which is free and open Monday to Friday. You can also apply online. Claims can be backdated by up to three months if you were eligible during that period.
Bottom line
If you or an older relative receives a modest income in retirement, checking Pension Credit eligibility is one of the most valuable things you can do. The application takes around 20 minutes and could unlock thousands of pounds per year.