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Pension Credit is an income-related benefit for people over State Pension age. It tops up your weekly income if it’s below a certain amount and can open access to other support like help with rent, council tax, and heating bills. You can check your eligibility and apply on Gov.uk/pension-credit or by calling the Pension Credit claim line.
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Check your eligibility early
Check your eligibility early. You can usually get Pension Credit if you’re over State Pension age and on a low income. It’s worth checking even if you have savings, a private pension, or own your home — many people miss out because they assume they won’t qualify.
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Check your eligibility early
You can usually get Pension Credit if you’re over State Pension age and on a low income. It’s worth checking even if you have savings, a private pension, or own your home — many people miss out because they assume they won’t qualify.
Apply even if you’re only slightly under the income limit
Even small top-ups can make a big difference. Getting Pension Credit can also qualify you for extra support, like free TV licences (if over 75), Housing Benefit, and help with NHS dental or optical costs.
Gather key information before applying
Have details ready about your income, savings, housing costs, and National Insurance number. You can apply online, by phone, or by post — and a trusted family member or friend can help if needed.
Ask for backdated payments
Claims can usually be backdated up to three months if you were eligible during that time. Mention this when you apply so you don’t miss out on money owed.
Get help with your application
If you need support applying, contact Citizens Advice, Age UK, or your local council’s welfare rights service. They can check your eligibility and help you complete the forms.