Many elderly people in the UK may not know that they could be claiming extra money and support, even after they start getting their State Pension. Experts are now urging pensioners and their families to check if they are missing out on help that could make a big difference to their finances.
Why Older People Should Check for Extra Benefits
With the cost of living going up, it’s becoming harder for many older people to manage on their pension alone. Even though over 13 million people in the UK are now of State Pension age, many are not aware of the extra help they can get from the government and local councils.
There’s a common misunderstanding that once someone gets their State Pension, that’s all the money they can receive. But that’s not true. In fact, there are over a dozen other benefits and discounts that could add thousands of pounds to their yearly income.
How Much Do State Pensions Pay?
The full New State Pension pays up to £921 every four weeks. The Basic State Pension pays up to £705.80. But these payments alone may not be enough, especially with rising living costs. That’s why it’s important to check for other support options that are available.
Common Benefits Pensioners Could Claim
Pension experts at Spencer Churchill Claims Advice say that millions of pensioners are missing out on extra money and support. Here are some of the most common benefits they may be able to claim:
Pension Credit
This is a major benefit that adds extra money to your pension. On average, it’s worth about £4,300 a year. It can also give access to other free services like NHS dental care, help with rent, and reduced energy bills. Yet many people who qualify never apply.
Attendance Allowance
This benefit is for people over State Pension age who need help with daily tasks because of illness or disability. It is not means-tested, which means you can get it even if you have other income.
Council Tax Support
Pensioners can get discounts on their Council Tax bill, depending on their income and living situation.
Winter Fuel Payments and Cold Weather Payments
These are payments to help cover heating costs in the winter. Most pensioners get Winter Fuel Payments automatically, but it’s good to check if you qualify.
War Widow(er)’s Pension
If your spouse died due to military service, you may be entitled to this pension.
Free NHS Services
This includes free or discounted eye tests, glasses, dental treatment, and prescriptions.
Free or Discounted TV Licences
If you’re over 75 and get Pension Credit, you may get a free TV licence.
Help With Home Energy Upgrades
You may be eligible for free insulation or boiler upgrades to help reduce your heating bills.
Many People Miss Out Because They Don’t Know
A spokesperson from Spencer Churchill Claims Advice said, “A lot of people just don’t realise these benefits exist. Some of them don’t even require a complex form or test. It can be as simple as checking online or making a quick phone call.”
Family, friends, and neighbours are encouraged to help older people look into these options. Even a five-minute call could lead to someone getting an extra £80 per week.
Some benefits, like Attendance Allowance and the War Widow(er)’s Pension, can be claimed even if you already get the full State Pension.
Many pensioners in the UK could improve their finances if they just knew what benefits they were entitled to. Whether it’s extra money from Pension Credit or help with heating bills, this support can ease daily stress and improve quality of life. If you or someone you know is over State Pension age, it’s worth taking the time to check your eligibility. These benefits are designed to help, and claiming them could add thousands to your yearly income with very little effort.
FAQ
What benefits can UK pensioners claim in addition to the State Pension?
UK pensioners can claim Pension Credit, Attendance Allowance, Council Tax Reduction, Winter Fuel Payments, NHS help, free TV licences, and more.
Is Pension Credit still available if I receive the full State Pension?
Yes, Pension Credit may still be available if your total income is below a certain level. It also gives access to other free services.
How can I check if I’m eligible for extra pension benefits?
You can check eligibility by visiting GOV.UK or contacting organisations like Age UK or Citizens Advice for free support.
Are any of these benefits non-means tested?
Yes, Attendance Allowance and the War Widow(er)’s Pension are not means-tested and can be claimed regardless of your income.
What is the easiest way for elderly people to apply for these benefits?
Many benefits can be applied for by phone or post, making it easy even for those who don’t use the internet regularly.
