The Department for Work and Pensions (DWP) has issued a fresh call to the nation's 13 million state pensioners, urging them to check if they are missing out on vital financial support. A range of benefits remain available after reaching state pension age, with some potentially providing thousands of pounds in additional annual income.
Key Benefits Available for Pensioners
Eligible individuals can claim assistance with essential costs, including heating bills, though some support may require qualifying for a means-tested benefit first. Core offerings from the DWP include Pension Credit, which currently supports 1.4 million people across the UK, as well as travel concessions and television licence benefits.
Further support encompasses help with Council Tax reductions, aid for housing costs, and various health-related allowances such as Attendance Allowance or the Pension Age Disability Payment. Specific benefits are also available for war widows and widowers.
Understanding the State Pension and Pension Credit
The State Pension itself provides a stable, taxable income for life once you reach the qualifying age and start claiming. Some choose to defer it if they continue working. While not means-tested, the amount received depends entirely on an individual's National Insurance record.
A minimum of 10 qualifying years is needed for any payment, with approximately 35 years required to receive the full amount. This threshold can be different for those who were 'contracted out' of certain schemes.
Pension Credit is designed to top up the income of those over State Pension age who are on a low income. It acts as a crucial 'passport' benefit, unlocking further support. On average, it provides an extra £4,300 per year. Crucially, securing Pension Credit can lead to help with NHS costs, housing expenses, and a free TV licence for those aged 75 and over.
How to Claim What You're Owed
The DWP encourages all pensioners and their families to proactively check their eligibility. The quickest way is to use the official Pension Credit Calculator on the GOV.UK website. Alternatively, you can call the dedicated Pension Credit helpline on 0800 99 1234.
For those who may be eligible for armed forces-related support, a War Widow's or Widower's Pension is available if a spouse or civil partner died or was injured due to service in HM Armed Forces before 6 April 2005. For incidents after this date, compensation may be available through the Armed Forces Compensation Scheme.
With millions potentially missing out on significant financial aid, this reminder from the DWP serves as a critical prompt for pensioners to ensure they are receiving every penny of support they are entitled to.
