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Pension Credit age

Pension Credit is an income related benefit for pensioners living in Great Britain. It is made up of two different parts, Guarantee Credit and Savings Credit.

The following information about the qualifying age only applies if you were under 60 on 5 April 2010. If you were already 60 or over on that date, regardless of whether you are a man or a woman, you can claim the Guarantee Credit element of Pension Credit straight away.

The Pension Credit qualifying age determines at what age you can first claim the Guarantee Credit element.  You have to be aged 65 or over to claim the Savings Credit element (either in addition to Guarantee Credit or on its own).

The Pension Credit qualifying age for both men and women is based on the current state pension age for women – the age at which a woman can first claim her State Retirement Pension. Since 6 April 2010 the women’s state pension age has been increasing in stages, so that by 2020 the state pension age will be 65 for both men and women. As a result, the Pension Credit qualifying age is also increasing in stages.

If you were born between 6 April 1950 and 5 April 1955, your Pension Credit qualifying age depends on your date of birth.

  • If you are a woman you can claim the guarantee element of Pension Credit once you have reached your state pension age
  • If you are a man you can claim the guarantee element of Pension Credit once you have reached the age at which a woman born on the same day as you would  reach her state pension age.

If you were born on or after 6 April 1955 your Pension Credit qualifying age will be 65.

To see examples of how this works and to find out your exact Pension Credit qualifying age, check the state pension age calculator on the Gov.UK website (link opens in a new window).

See our guide to changes to State Retirement Pension age for more information.

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