What Is Pension Credit?

Pension Credit is a government benefit aimed at low-income pensioners. It tops up weekly income to a minimum level and can also unlock access to other support such as council tax relief, free TV licences, and housing benefits. Yet around 1 in 3 eligible pensioners don’t claim it.

Why Are So Many Missing Out?

• Lack of awareness: Many pensioners don’t know the benefit exists or think they aren’t eligible.
• Stigma and pride: Some older people are reluctant to claim benefits they see as “handouts.”
• Complexity: The application process can be confusing, especially for those without digital access or family support.

The Cost of Not Claiming

Unclaimed Pension Credit isn’t just a missed financial opportunity — it often means pensioners are also losing access to crucial extra support. With inflation affecting food and energy costs in 2025, those extra pounds per week could be the difference between comfort and hardship.

What’s Being Done?

The UK government has pledged to boost awareness through outreach campaigns, while charities like Age UK are working to help people navigate the claims process. Some councils are proactively contacting residents they suspect may be eligible.

How to Check Eligibility

If you or someone you know is over State Pension age and on a low income, it’s worth checking eligibility through the official gov.uk Pension Credit calculator or by calling the Pension Service.