Pension Credit: Everything you need to know

Pension Credit gives you extra money to help with your living costs. It's separate from your State Pension. If you’re over State Pension age and on a low income, you might be able to claim it.  

It’s estimated that up to 850,000 pensioner households may be entitled to Pension Credit, but don’t claim it. 

If you receive Pension Credit, you may be eligible for other financial support - including Winter Fuel Payments. You might also be able to get help toward housing costs and council tax.  

There's also more information available on the government website about Pension Credit.

  

Am I eligible for Pension Credit?

You can claim Pension Credit if you're of State Pension age (currently 66 or over) and on a low income. If you live with a partner, they must also be of State Pension age. 

If you live alone and your total income is below £218, you're likely to be eligible for Pension Credit. 

If you live with a partner and your total income is below £332, you're likely to be eligible for Pension Credit. 

Private pensions and savings are not barriers to receiving Pension Credit. Neither are some disability benefits, housing benefits, or council tax reductions. Please check the government website on more information about Pension Credit eligibility. 

 

How do I apply?

There are many ways to apply for Pension Credit. 

• Telephone (Monday to Friday, 8am to 6pm): 0800 99 1234  

• Textphone (Monday to Friday, 8am to 6pm): 0800 169 0133 

• You can apply for Pension Credit online via the government website. 

 

What happens when I apply?

Your total household income is calculated whether you live alone or with a partner.  

You can start your application up to four months before you reach State Pension age. You can apply for Pension Credit any time after reaching State Pension age.  

The sooner you apply, the better. Payments are backdated by only three months. 

 

I might not be eligible. What else can I do?

If you're worried about paying rent, your Customer Account Manager can help. We're here to support you with any financial difficulties and help you get back on track. 

Newport Citizens Advice offer free benefit checks and advice. You can request an appointment by emailing energyadvice@newportca.org.uk. You can also call them on 01633 22 26 22 from Monday to Friday between 10am - 5pm. 

You can also check what benefits you're entitled to online.