Pension Credit
What is Pension Credit?
Pension Credit is extra money to help with living costs if you’re over State Pension age and on a low income.
It has two parts:
- Guarantee Credit – tops up your income to a minimum weekly level.
- Savings Credit – a small extra payment if you reached State Pension age before 6 April 2016 and have some savings or private pension income.
You might get one or both parts.
Who can get it?
You could qualify if:
- You’ve reached State Pension age.
- You live in the UK (including homes managed by Hexagon Housing).
- Your income is below the amounts below:
Your situation | Weekly income below |
Single person | £227.10 |
Couple | £346.60 (combined) |
Even if your income is higher, you might still qualify if you’re a carer, have a disability, or certain housing costs.
How much could you get? (2025 Figures)
If you qualify, your income is topped up to:
- £227.10 a week if you’re single
- £346.60 a week if you’re a couple
You could also get extra amounts, for example:
- £82.90 if you have a severe disability
- £46.40 if you care for someone
If you reached State Pension age before 6 April 2016, you may also get Savings Credit worth up to:
- £17.30 a week (single)
- £19.36 a week (couple)
Extra Help you can get with Pension Credit
If you get the Guarantee Credit part, you could also receive:
- Free NHS dental care, glasses, and prescriptions
- A free TV Licence (if you’re 75 or over)
- Cold Weather Payments and the Warm Home Discount to help with energy bills
These extra supports can make a big difference to your budget.
Applying
Where to apply
What you need to apply
- Online: www.gov.uk/pension-credit
- By phone: Call the Pension Credit claim line on 0800991234
- By post: Ask the Pension Service to send you a form
- Your National Insurance Number
- Your bank account details
- Information about any savings, pensions or investments
- Details of your housing costs