What Is Pension Credit?
Pension Credit is a government benefit aimed at low-income pensioners. It ensures that your weekly income reaches at least £218.15 if you're single, or £332.95 for couples (as of 2025). But many who qualify still don’t claim it — often because they assume they’re not eligible.
Energy Bill Support Linked to Pension Credit
One of the biggest perks of receiving Pension Credit is automatic eligibility for other support, including:
- Warm Home Discount: £150 off your electricity bill, applied automatically if you get Pension Credit Guarantee Credit.
- Cold Weather Payments: £25 for each week of very cold weather (below 0°C) between November and March.
- Cost of Living Payments: Pension Credit recipients often qualify for additional one-off payments to help with rising living costs.
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Subscribe NowHow to Check If You Qualify
You don’t need to own nothing or live alone to be eligible. If you’re over State Pension age and your income is below the threshold, even if you have savings or a small private pension, you could still qualify. Use the free Pension Credit calculator on GOV.UK to find out.
Why You Should Act Now
If you apply for Pension Credit by a certain deadline, you may be eligible for backdated payments and receive additional energy support before winter. The government has also ramped up efforts in 2025 to encourage more pensioners to claim, including local outreach campaigns.
It’s Not Just About Money
Pension Credit also gives you access to:
- Free NHS dental treatment
- Help with housing costs
- Free TV licence if you're over 75