Overview
Pension Credit gives you extra money to help with your living costs if you’re over State Pension age and on a low income. If you get Pension Credit you can also get other help, such as:
- 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.
Check eligibility and apply
You must live in England, Scotland or Wales and have reached State Pension age to qualify for Pension Credit. Eligibility criteria apply. Pension Credit has two parts:
- Guarantee Credit, and
- Savings Credit.
A person may be able to get one or both parts depending on their circumstances. The type of Pension Credit you get may affect which passported benefits you may automatically get.