Lots of people assume that they aren’t eligible for Pension Credit, perhaps because they own a property or have a small pension. However, you may still be eligible to claim if you’re a homeowner, or if you have some savings or a pension. You might also qualify even if you haven’t paid National Insurance contributions, or live with your grown up family.
Many people fail to claim because they are ashamed about relying on benefits or simply because they’ve never heard of Pension Credit.
A spokesman for charity Age UK said: “There are a range of inter-related reasons why people do not claim their entitlements including: lack of awareness, an assumption that they would not be entitled to help, a concern that the process will be complicated, a reluctance to provide personal information, and negative attitudes about receiving benefits or asking for help.”
There’s absolutely no shame in claiming benefits, so if you think you might be entitled to Pension Credit, act as soon as possible.
If you want to find out whether you qualify, the Gov.uk website has a useful Pension Credit calculator to find out how much you might be entitled to. You don’t have to provide your personal details, such as your name and address, when using the calculator.
You can make a Pension Credit claim by phone using the Pension Credit claim line on 0800 99 1234. If you’d rather make a paper application, you can request one on the above number, or you can download and print a Pension Claim form here. Find out more about how Pension Credit works in our guide Pension Credit explained
Guy Opperman, Minister for Pensions, said: “We recognise the challenges some pensioners will be facing with the cost of living, which is why promoting Pension Credit is a priority. That’s why we’re calling on everyone with retired family, friends and loved ones to check in with them and see if they can get this extra financial support.”
Have you checked whether you’re eligible for Pension Credit, or are you already claiming it? If you’d like to let us know how easy or difficult you found it to apply for, you can join the conversation on the Rest Less community or leave a comment below.