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State Pension and Pension credit

20 July 2022

#ValleysMag | Money Advice |

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Are you reaching State Pension Age? 

We are aware that there has been a wait in new State Pension awards, so don’t delay in making a claim when you are eligible. 

If you are a couple receiving Employment Support Allowance (ESA) and you or your partner are nearing State Pension age, then seek advice before claiming. You can ask to speak to a member of the Money Advice Team if you need further information. 

You do not get your State Pension automatically – you must claim it. You should get a letter no later than 2 months before you reach State Pension age, telling you what you need to do. 

To make a claim, visit and follow the onscreen instructions. If you wish to do this by post, contact the Pension Service on 0800 731 7898 to request a form. 


Could you be entitled to Pension Credit? 

Pension Credit is extra money to help you cover your costs if you’re over State Pension age and living on a low income. You could get it even if you have other income, savings, or assets. Pension Credit comes in two parts, and you may be eligible for one or both. 

Guarantee Credit tops up your weekly income to a guaranteed minimum level. You can claim this if your weekly income is less than £182.60 if you’re single, or £278.70 if you’re a couple, or you have a sever disability, you are a carer, or you have to pay housing costs. 

Savings Credit refers to extra money you can claim if your income is higher than the basic State Pension or you have some savings. It’s available to those who reached State Pension age before 6 April 2016. 

To make a claim, you can do this online or by calling 0800 99 1234. You may need the following details to hand: NI number, bank account details, any income or savings details, details of housing costs, or information about your pension. 



This story is from the Summer 2022 issue of our Trivallis Valleys Magazine. To read the full issue, visit our Valleys Magazine page.