Pensioners could get 10 freebies and perks to save thousands

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Pension Credit: Yvonne on living on the breadline

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The ongoing cost of living crisis means many pensioners need all the support they can get to help them manage. Some people may be entitled to Pension Credit, which is a separate payment to the state pension. 

Pension Credit is a payment designed to help low-income older people with their day to day living costs.

It is often described as a “gateway” benefit, given it opens eligible Britons up to a host of support.

The payment tops up weekly income to £182.60 for singletons and joint income to £278.70 for those with a partner.

However, Pension Credit is widely seen as an underclaimed benefit, with an estimated 850,000 people missing out.

With the DWP stating the payment could be worth some £3,300 per year, it may be worth investigating.

Council tax – Pension Credit recipients could be eligible for reduced council tax bills, reflecting their lower income. This is worth checking with a local council.

Capped water bills – A cap on water bills could serve as a real help, particularly during the ongoing cost of living crisis.

Cold Weather Payment – Pension Credit recipients should get £25 for each seven-day period of very cold weather between November 1 and March 31.

After each period of very cold weather in their area, the payment should be made within 14 working days.

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Warm Home Discount – People could get £150 off their electricity bill for the coming winter, but the money is not paid directly to them.

Instead, it serves as a one-off discount on bills between October 2022 and March 2023.

Winter Fuel Payment – The DWP explains: “If you were born on or before September 25, 1956 you could get between £250 and £600 to help you pay your heating bills.

“The amount you’ll get includes a Pensioner Cost of Living Payment between £150 and £300. You’ll only get this extra amount in winter 2022 to 2023.”

Free TV licence -This is only made available to Pension Credit recipients who are over the age of 75 – and can be a vital entitlement.

Cost of living support payments – Those receiving Pension Credit may get a payment of £650 paid in two lump sums of £326 and £324.

Disabled Facilities Grants – Pension Credit recipients living with a disability could be entitled to help and support to make modifications to their home.

This help could be worth up to £30,000, which could make a substantial difference.

Help with housing and/or funeral costs – Pension Credit can provide help and support with housing costs such as ground rent or service charges.

Those who get the Guarantee Credit part of Pension Credit may get their rent paid in full by housing benefit, according to Age UK.

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Recipients may also be entitled to a Funeral Expenses Payment which can help with costs such as burial or cremation fees, travel, and death certificates.

Eligible individuals can also get up to £1,000 for any other expenses, such as flowers or the coffin.

Free wigs or fabric support – Pension Credit Guarantee Credit recipients are likely to be eligible for this kind of help through the NHS. 

Pensioners can apply for Pension Credit online on the GOV.UK website, via phone or by post. 

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