Almost one million pensioners across the UK are being urged to check whether they qualify for Pension Credit, an income top-up that can provide vital support with everyday living costs. Consumer journalist Louise Minchin, appearing on BBC Morning Live, said seven key areas are being "targeted" as part of a Government awareness drive.
Minchin explained that the Government believes some low-income pensioners could be missing out on an average of £4,500 in Pension Credit each year. "What the government wants to do is get people to check if they can claim for it - or if someone they love can claim for it - and they are targeting seven areas in the UK, posting 660,000 leaflets through doors."
Which areas are being targeted?
The seven areas receiving the leaflets are:
- Glasgow
- Manchester
- East Suffolk
- Cornwall
- Birmingham
- Powys
- Stockton-on-Trent
Minchin reassured viewers that those living outside these areas are not being targeted by the leaflets but could still be eligible for the benefit.
How many pensioners are missing out?
Minchin stressed that over one million people are not receiving the money they are entitled to, describing the "figures are really stark". She cited charity Independent Age, which 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 what can you get?
Pension Credit is a means-tested benefit that tops up your income if you are over State Pension age and on a low income. It is separate from the State Pension and can increase someone's weekly income. The amount depends on personal circumstances: single people could claim £238, while those with a joint income could receive £363.25.
Minchin reminded viewers that the amounts are set to rise. "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 additional 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 amounts are available for people with disabilities or caring responsibilities: a severe disability could bring an extra £86.05 a week, while caring for another adult could add £48.15.
Minchin highlighted several misconceptions about eligibility. "If you have less than £10,000 in savings and investments, that will not affect you applying for pension credit," she said. Even with more than £10,000 in savings, it does not automatically rule you out, though it might reduce what you are entitled to. Past refusals do not prevent a new application, and having a private pension does not necessarily disqualify you.
How to check eligibility
People are urged to contact the Government to check eligibility. Required information includes a National Insurance number, bank account details, income and savings information, pension details, and details of housing costs, benefits and allowances. In England, Scotland and Wales, call 0800 99 1234 or visit the relevant website. For Northern Ireland, call 0808 100 6165.
The Department for Work and Pensions said the leaflets are "part of the major Government campaign to ensure low-income households do not miss out." Gov.uk added that the advice will guide pensioners through applying to Pension Credit and supporting family members with claims, while busting common myths about eligibility.
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." Pensioners seeking additional guidance are also urged to contact charities including Independent Age and Citizens Advice.
