State pension age: 1.3 million could get £58 per week – eligibility rules explained | Personal Finance

Pension Credit is a tax-free payment, of which there are two types. These are Savings Credit and Guarantee Credit – with the latter being a means-tested top-up amount. According to the government, around 1.3 million people may be entitled to Pension Credit, but do not claim it.

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The average Pension Credit payment is more than £58 per week, the “Pension Credit toolkit: advice and guidance for stakeholders” guide by the government explains.

This works out at more than £3,000 per year.

In addition to the money, Pension Credit recipients may get help with things such as rent, Council Tax, help with the costs of NHS services, and Cold Weather Payments.

It’s possible to use the Pension Credit calculator to find out how much Pension Credit someone may be entitled to.

READ MORE: State pension increase: How much is the state pension per week?

State pension age: Man looking at finances

State pension age is the age at which point a person can claim the state pension (Image: GETTY)

Personal details do not need to be given in order to do this.

Yesterday, the Department for Work and Pensions announced a 12-week national campaign aimed at boosting take-up of Pension Credit.

Following the news, Helen Morrissey, pension specialist at Royal London, said: “Only about 60 percent of those currently entitled to Pension Credit claim it.

“Pension Credit boosts the income of the poorest pensioners and acts as a gateway to other valuable benefits.

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“However, there are so many misconceptions about who can claim it – these myths need to be busted if we are to boost take up of this valuable benefit.”

Pension Credit: Who is eligible?

A person must live in England, Scotland or Wales and have reached state pension age in order to qualify for Pension Credit.

Those in a couple can start getting the payment if either:

They and their partner have both reached state pension ageOne member of the couple is getting Housing Benefit for people over state pension age.

State pension age couple looking at finances in pictures

State pension age: 1.3million are entitled to Pension Credit but not claiming it, figures reveal (Image: GETTY)


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A partner counts as a civil partner, husband or wife who they live with, or someone else they live with as though they were married.

Pension Credit changes came into effect back in May last year, affecting some “mixed-age” couples.

However those who were getting Pension Credit before May 15, 2019 will continue to get the payment even if their partner is under state pension age.

Should the entitlement stop for any reason, unless circumstances change, a person cannot start getting it again unless they or their partner are eligible under the new rules.


State pension age: Day payment is made according to

State pension age: states the day the state pension is paid is affected by one’s NI number (Image: GETTY)

A person currently getting Pension Credit as a single person would stop getting it if they began living with a partner who is under state pension age.

They would be able to start getting it again when they reach state pension age.

The Department for Work and Pensions (DWP) says the easiest and quickest way to apply for Pension Credit is by phone, on 0800 99 1234.