The Department for Work and Pensions (DWP) has launched a nationwide campaign urging older people in the UK to check if they qualify for Pension Credit, a benefit that can boost income by around £4,300 each year.
Many retirees are unaware that they are entitled to this extra support, which could make a significant difference to their daily lives.
The initiative, known as the Pension Credit Week of Action, runs from Monday, October 27, to Sunday, November 2, 2025, and aims to increase awareness and applications among pensioners with low incomes.
What Is Pension Credit?
Pension Credit is a government benefit designed to help people of State Pension age who have a low income. It ensures that pensioners receive a minimum guaranteed income and can also open access to other valuable financial supports. The scheme has two parts:
- Guarantee Credit – tops up your weekly income to a minimum standard level.
- Savings Credit – provides an extra payment for those who have made some savings for retirement (only for people who reached pension age before April 6, 2016).
In addition to the regular payment, those who qualify may also gain access to other benefits such as help with heating bills, Council Tax reductions, and even free TV licences for those aged 75 and above.
Key Details About Pension Credit
| Detail | Information |
|---|---|
| Average Annual Value | £4,300 (approximate boost for eligible claimants) |
| Campaign Period | October 27 – November 2, 2025 |
| Estimated Non-Claimants | About 760,000 people over State Pension age |
| Weekly Minimum Income Guarantee | £227.10 for single pensioners / £346.60 for couples |
| Back-dating Option | Up to 3 months for eligible applicants |
| Extra Benefits | Free TV licence (75+), energy bill help, housing and council tax support |
| Processing Speed | Around 78% of claims are completed within 10 weeks |
Who Can Apply?
You may be eligible for Pension Credit if you:
- Have reached the State Pension age (currently 66 years for most people).
- Live in the UK full-time.
- Have a low income, whether you live alone or with a partner.
- Have savings or a private pension, but still earn less than the required threshold.
Owning your home or having modest savings does not automatically disqualify you. Each application is assessed individually, ensuring that even those with small pensions or savings can still receive support.
Why DWP Is Urging Action Now
The DWP estimates that hundreds of thousands of older people are missing out on Pension Credit simply because they don’t realise they qualify. The 2025 Week of Action aims to close that gap by encouraging pensioners, their families, and carers to check eligibility.
With living costs still high, this benefit can make a life-changing difference — offering not only cash payments but also access to additional support schemes for housing, heating, and healthcare.
How to Apply for Pension Credit
Applying is simple and can be done online, by phone, or by post. Here’s the step-by-step process:
- Check your eligibility using the Pension Credit calculator or official guidelines.
- Prepare your documents, such as National Insurance number, income details, and savings information.
- Submit your claim online or call the Pension Credit helpline to apply.
- Request back-dating of up to 3 months if you were eligible earlier.
- Wait for processing – around 78% of applications are completed within 10 weeks.
Once approved, payments are usually deposited every four weeks, directly into your bank account.
Benefits of Claiming Pension Credit
Beyond the average £4,300 annual top-up, successful applicants can also qualify for several extra benefits, including:
- Free TV licence for pensioners over 75.
- Help with housing costs such as rent or mortgage interest.
- Council Tax reductions and heating bill discounts.
- Access to free NHS dental care and transport concessions in some areas.
These additional perks can add thousands of pounds more in savings each year, making Pension Credit one of the most valuable benefits available for older citizens.
The DWP’s Pension Credit Week of Action 2025 is a timely reminder for older people across the UK to check if they qualify for financial help.
With an average annual value of £4,300 and access to many additional benefits, this support can ease the pressure of rising living costs and improve quality of life.
Pensioners are encouraged to act now, apply before the end of the campaign, and make sure they are not missing out on money they deserve.
FAQs
Can I apply for Pension Credit if I have some savings or a private pension?
Yes. Even if you have some savings or receive a small private pension, you may still qualify depending on your overall income and household situation.
How long does it take to process my Pension Credit claim?
Most claims are processed within 10 weeks, and payments start soon after approval.
Can my application be back-dated?
Yes. If you were eligible before applying, your claim can be back-dated for up to three months, ensuring you don’t lose out on earlier payments.
