A number of benefits and payments become accessible upon reaching the State Pension age, which is currently 66 for men and women. The Basic State Pension is received by approximately 8.8 million retirees, providing up to £678 each pay period.
It's vital for those approaching retirement age to be aware of certain benefits they can claim from the DWP, including Council Tax discounts, assistance with heating costs, and more. Similarly, current State Pension recipients may not realise there are over a dozen ways they could potentially boost their income in the coming months.
Pension Credit, now worth an average of £4,200 annually, typically takes about 50 working days to process. This means successful applicants could receive their first payments before March ends.
If you know an elderly relative or friend who isn't internet-savvy, assist them to ensure they don't miss out on additional financial support in 2025, as reported by the
Benefits for those over the State Pension ageBenefits for those over the State Pension age include help with heating costs (eligibility for some may require a relevant qualifying means-tested benefit), Pension Credit, travel and TV benefits, help with Council Tax, benefits for war widows and widowers, State Pension, and health benefits such as Attendance Allowance and Pension Age Disability Payment.
State PensionThe State Pension offers a regular taxable income for life once claimed upon reaching State Pension age. Some individuals choose to defer this while they continue to work.
The State Pension isn't means-tested, but the amount received is dependent on the number of qualifying years of National Insurance Contributions or credits accrued. A minimum of 10 years' worth is required for any State Pension payment and approximately 35 for the maximum amount - this could be higher for individuals who were 'contracted out'.
The weekly payment rates for the State Pension in 2024/35 are as follows: Full New State Pension: £221.20 (rising to £230.25), Full Basic State Pension (Category A or B): £169.50 (rising to £176.45).
Pension CreditPension Credit currently benefits 1.4 million people across the UK. It provides additional funds to assist with living costs for those over State Pension age and on a low income.
Acting as a 'passport' benefit, it offers an average of around £4,200 each year in financial support and access to Council Tax discounts, help with housing costs, NHS discounts, and free TV Licences for the over-75s. You can use the Pension Credit Calculator on for yourself or a family member to ensure you're receiving all the financial support you're entitled to. For further assistance, you can contact the Pension Credit helpline on 0800 99 1234.
Help with Council TaxHelp with Council Tax is available whether you own your home or rent. You may be eligible for support from your local authority.
To inquire about assistance with Council Tax, contact your local council.
Insulation and heating schemesInsulation and heating schemes are available that provide insulation and heating enhancements to make your home more energy efficient. If your home is inadequately insulated or lacks a functioning central heating system, and if you're receiving any income-related benefits including Pension Credit, you're likely to qualify.
Disability and care benefitsIf you were born on or before 2 September 1929, and are a British national, you may be eligible for a free passport. More details and application process can be found on the
Free / Discounted TV LicenceRegarding TV Licences, they are no longer free unless you receive Pension Credit. Those over State Pension age who are registered as severely sight-impaired or blind might qualify for a half-price TV Licence.
Benefits for war widows and widowersIf your spouse or civil partner died, was injured, or became ill due to their service in Her Majesty's (HM) Armed Forces, or during a time of war prior to 6 April 2005, you could be entitled to a War Widow's or Widower's Pension.
If they died or sustained an injury or illness due to serving in a conflict after 6 April 2005, you might be entitled to compensation through the Armed Forces Compensation Scheme. More details about War widows and widowers' pensions and compensation can be found on the
Medical costs for war pensionersMedical costs for war pensioners are also covered. If you require medical treatment because you were disabled while serving in the Armed Forces, you could get help towards your medical costs for your accepted disability.
War Disablement PensionIf you sustained an injury or disability while serving in the Armed Forces prior to April 6, 2005, you may be eligible for additional pension support. More information about the War Disablement Pension can be found on the