Pension credits who is eligible

Payments can only be backdated by three months, however. To claim Pension Credit, you'll need: your national insurance number; information about income, savings, and investments; and your bank account details if applying by post or phone. You can also apply online if you have already claimed State Pension or if there are no children or young people included in the claim. To check your eligibility, you can phone 99 or use the Pension Credit Calculator on gov.

Hide this message. Home Working, jobs and pensions State Pension. Pension Credit. Print entire guide. Related content Pension Credit calculator The basic State Pension Get help with benefits and pensions if you have accessibility needs.

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Carer's Allowance Call Email dcs. It also indicates the total amount of Pension Credit you could get — if you are entitled to both elements this is your guarantee credit and savings credit added together. The calculator will indicate whether you could be affected by the change in eligibility for savings credit. Changes to the way that couples are treated when one member is over the age for Pension Credit and the other member is under Pension Credit age known as 'mixed age' couples came into place in May Since 15 May eligibility for Pension Credit has been determined by the age of the younger person in a couple before this date it was based on the older person.

In most cases this now mean these couples will need to claim Universal Credit instead of Pension Credit. The Guarantee Credit works by topping up your weekly income. From April your income could be topped up to:. These amounts may be more if you are disabled, have caring responsibilities or certain housing costs, such as mortgage interest payments.

You may get the savings credit on its own or with the guarantee credit. From April the savings credit can be up to:. Guarantee credit will passport you to entitlement to other benefits. See passported benefits for more information. The letter will tell you what you need to do next. For anyone else the easiest way to apply is by phone. You can call The Pension Service on 99 or textphone Lines are open 8.

For Northern Ireland please apply via the NIdirect website. When you phone, you need the following information:. An adviser will help you apply for Pension Credit and let you know what happens next. The Pension Service can also help you apply for other benefits at the same time as your application for Pension Credit.