Nearly one million people are being encouraged to check if they are eligible for Pension Credit, an income top-up that provides support with everyday living costs. Consumer journalist Louise Minchin, appearing on BBC Morning Live, said seven key areas across the UK are being "targeted" as part of a Government awareness drive.
Minchin explained that the Government wants people to check if they can claim the benefit, or if a loved one can, and is targeting seven areas by posting 660,000 leaflets through doors. The seven areas are Glasgow, Manchester, East Suffolk, Cornwall, Birmingham, Powys and Stockton-on-Trent.
Over one million eligible people missing out
Minchin stressed that more than one million people are not getting the money they are entitled to, describing the figures as "really stark". She noted that charity Independent Age said that between 2023 and 2024, 1.2 million older people were missing out on Pension Credit they were entitled to.
The charity's report states: "Too many older households are missing out on this support: the latest available data shows just 62% of households eligible for Pension Credit receive it, with as many as 1.2 million eligible older people missing out on this entitlement."
What is Pension Credit and how much can you get?
Pension Credit is a means-tested benefit that tops up income for those over State Pension age on a low income. It is separate from the State Pension and can top up weekly income. The amount depends on personal circumstances: single people could claim £238, while those with a joint income could claim £363.25.
Minchin reminded viewers that the amount is going up. She explained: "The government announced in last month's budget that from April, it is going to increase to £247.30 per week if you are single and £377.40 a week if you're a couple."
Extra benefits and common myths
Claiming Pension Credit can unlock extra discounts and support, such as Council Tax Reduction and help through schemes like Warm Home Discount. Those aged 75 or over could also qualify for a free TV Licence. Additional money may be available for those with a disability or caring responsibilities: a severe disability could mean an extra £86.05 a week, and caring for another adult could mean an extra £48.15.
Minchin addressed common misconceptions, noting that having less than £10,000 in savings and investments will not affect an application. Even with more than £10,000, it does not automatically rule someone out, though it might reduce what they are entitled to. She also explained that being turned down before does not mean a future application will be refused, as circumstances may change, and that having a private pension does not necessarily disqualify someone if it does not take them up to the threshold.
How to check eligibility
Minchin urged people to check if they or a loved one are eligible by contacting the Government. Applicants will need their National Insurance number, bank account details, information about income, savings and investments, pension information if applicable, and details of any housing costs, benefits and allowances.
For England, Scotland and Wales, people can call 0800 99 1234 or visit the relevant website. For Northern Ireland, the number is 0808 100 6165.
The Department for Work and Pensions release, published last month, says the leaflets are "part of the major Government campaign to ensure low-income households do not miss out." Gov.uk adds that the advice will guide pensioners through applying to Pension Credit and supporting a family member with a claim, while busting myths about eligibility, including that homeowners or pensioners with savings cannot claim.
Minister for Pensions Torsten Bell said: "Far too many pensioners are missing out on support they're entitled to. Pension Credit is worth more than £4,500 a year on average and can make a real difference to people's finances, while also opening the door to help with bills and other everyday costs. If you think you might be eligible, it's worth checking. We want to make sure pensioners get the support they're entitled to and don't miss out on money that could help them in retirement."
Pensioners needing additional guidance are also urged to seek advice from charities including Independent Age and Citizens Advice.
