This week, from 27 to 31 October, is Pension Credit Week of Action. It’s a national campaign encouraging older people to check if they could get Pension Credit - extra money to help with everyday living costs.

Many people who are entitled to Pension Credit don’t realise they can claim it. Even a small amount can make a big difference and can open the door to other kinds of help.

What Is Pension Credit?
Pension Credit is a benefit for people over State Pension age who are on a low income. It can help with weekly living costs and may also give you access to other support, such as help with:

• Housing costs and Council Tax
• Heating bills or Cold Weather Payments
• A free TV licence if you’re aged 75 or over.

You might still get Pension Credit even if you own your home or have some savings.

Who Can Get It?
You could qualify if:

• You’ve reached State Pension age
• Your weekly income is around £227 or less if you’re single, or £346 or less if you’re a couple
• You have savings under £10,000 – and even if you have more, you might still qualify
• If you reached State Pension age before 6 April 2016, you could still get Pension Credit if your income is below about £270 a week (single) or £395 a week (couple).

The rules can sound complicated, but there’s an easy way to find out if you might be entitled: try the Pension Credit calculator on Gov.UK. It gives a quick guide without needing personal details.

Here is a video that might assist with your understanding on how to use the Pension Credit calculator:  How to use the Pension Credit Eligibility Calculator

Clearing Up the Myths
Many people miss out on Pension Credit because they think they won’t qualify. Here are some common myths - and the truth.

“I won’t get it because I own my home.”
You can still get Pension Credit even if you’re a homeowner. Almost half of people who claim it own their homes.

“I have savings, so I won’t get anything.”
You can still get Pension Credit if you have some savings or a small pension. The first £10,000 of savings is ignored.

“It’s not worth it for a small amount.”
Even a small amount of Pension Credit can give you access to other help, such as reduced bills, housing support or a free TV licence.

“It’s too difficult to claim.”
It’s easier than you might think. You can apply online, by post or with a free phone call. The Pension Service can also help you apply for other benefits you may be entitled to.

Why It Matters
Across Great Britain, around 1.4 million households already receive Pension Credit but many more could qualify. The average payment is over £83 per week, which adds up to more than £4,300 a year.

If you think you might be eligible, or you know an older friend or family member who might be, please take the time to check. A simple conversation could make a real difference.

If you need any further guidance or advice, please contact our Money Advice and Sustainability Team on 0300 003 5454 or email: moneyadviceandsustainability@communityhousing.co.uk