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Pension Credit - Can I get Pension Credit?

Pension Credit is extra money for low income pensioners to bring their weekly income up to a minimum amount.

Can I get Pension Credit?

You can claim Pension Credit whether or not you are working. You also do not have to have paid national insurance contributions.

Guarantee Pension Credit

If you fit the age rules and are on a low income you could get Guarantee Pension Credit.  You can use our Benefits Calculator to check if you qualify.

Age Rules

To get Guarantee Pension Credit you (or your partner) must have reached State Pension age. You can work out whether you have reached Pension Credit age by using the state pension age calculator on the Gov.UK website.

Age Rules for Couples

Until 15 May 2019 only one partner in a couple needs to have reached State Pension age in order qualify for Guarantee Pension Credit

From 15 May 2019 both members of a couple will need to have reached State Pension age in order to qualify for Guarantee Pension Credit.  Where only one partner is aged over pension credit age, the couple will not receive it, though they could claim Universal Credit instead.

Guarantee Pension Credit is more generous than Universal Credit. If you or your partner were already over Pension Credit age on 14/05/19 you might be able to backdate a claim for Pension Credit. You will need to claim before 13/08/19. 

You can continue to get Pension Credit after 15 May 2019, as long as you don’t have a change of circumstance which takes you off it.   

 

Income and Savings

Your income has to be low enough to get Guarantee Pension Credit.  You can use our Benefits Calculator to check if you qualify.  

You can make a claim for Guarantee Pension Credit, no matter how much savings and capital you have. However, if you have capital and savings above £10,000, every £500 you have above £10,000 is counted as £1 of income when your Pension Credit is calculated.

Savings Pension Credit

You could get this part if you have a certain amount of income coming in from pensions, savings, earnings and investments and are over 65 and reached state pension age before 6 April 2016. See the full qualification rules for Savings Credit on the GOV.UK website.

 

Updated: May 2019

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Changes to Pension Credit Rules

For couples a rule change means you could lose out if you don’t claim before 15 May

Read about the Pension Credit rule changes
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