Could you be claiming Pension Credit?

From August 1, free TV licences for over-75s will only be available to households where someone gets pension credit – just being eligible isn’t enough.

One million plus families miss out on pension credit worth £3000/year on average – who is entitled to claim it?

* If you’re over state pension age, live in the UK, and earn less than £173.75/week as a single person or £265.20/week as a couple – including pensions, savings income and work – then pension credit tops up your income to those amounts. (This amount could be more if you are in receipt of health benefits)

* If you’ve some savings, you could get a separate sum on top of our pension, called savings credit.

Pension credit is also a gateway to TV licences and much more. Most of these extras are for those who get the main element of pension credit, rather than those who only get savings credit. A sample of these are listed below:

– Free TV licence for over-75s (from 1 Aug) – worth up to £157.50/year
– Council tax reduction – worth about £1000/year typically.
– Cold weather payments – worth £25/week when it’s really cold.
– Warm home discount – worth £140/year.
– Free dental care – worth £100s/year for some.
– Voucher for glasses/contact lenses – worth £39-£215 a time depending on your prescription.
– Housing benefit – could be worth £1000s/year.

• Importantly, pension credit is not automatic so you MUST claim it – here is how. You can apply via if you’ve already claimed your state pension, but otherwise you can phone the Council’s Financial Inclusion and Welfare Support Team on 030 33 33 3008. They will check your entitlement and help you make the claim.