New government statistics have revealed a significant benefits gap, with an estimated 910,000 eligible families across the UK failing to claim Pension Credit. This crucial Department for Work and Pensions (DWP) support not only provides a direct income top-up but also acts as a gateway to a suite of valuable freebies, including a free television licence for those aged 75 and over.
What is Pension Credit and Who Qualifies?
Pension Credit is a means-tested benefit designed to supplement the weekly income of pensioners on lower incomes. According to the latest DWP figures from January 2026, around 1.4 million people are currently receiving it, but hundreds of thousands more could be eligible.
To qualify for the Guarantee Credit element, you must have reached the UK State Pension age, which is currently 66. Your total weekly income must be below a minimum threshold set by the government. Couples who successfully claim could receive up to £346.60 per week on average.
Your income can be topped up further if you are a carer, are disabled, or have specific housing costs. The application window opens four months before you reach State Pension age and remains open indefinitely, with successful claims often backdated by up to three months.
The Hidden Perks: From Free TV to Dental Care
A successful Pension Credit claim is about much more than a weekly payment. It serves as a key to unlocking substantial additional support, which many eligible pensioners are overlooking.
The most notable perk for many is the free TV licence. Anyone aged 75 or over who receives Pension Credit is entitled to a fully funded TV licence, saving them £169.50 per year.
Other significant benefits include:
- Help with rent through Housing Benefit.
- Eligibility for the annual Winter Fuel Payment.
- Cold Weather Payments during periods of severe temperature drops.
- Free NHS dental treatment and help with the cost of glasses.
- Support with mortgage interest, service charges, and hospital travel costs.
- A council tax reduction of up to 100%.
How to Claim Your Entitlement
Applying for Pension Credit is a straightforward process. You will need details of your income, savings, and national insurance number to hand.
The quickest method is to apply online via the official GOV.UK website. Alternatively, you can request a paper claim form by calling the DWP Pension Service claim line or by post. It is crucial for those approaching or over State Pension age on a low income to check their eligibility, as they could be missing out on vital financial support and essential cost-of-living aids.
With living costs remaining a pressing concern for many retirees, ensuring you receive all entitled support is more important than ever. The DWP encourages anyone who thinks they might qualify to begin their application without delay.
