The Prime Minister insisted he was sticking to his missions as he set out “ambitious” targets for Whitehall, despite claims he was “watering down” promises. In a speech at Pinewood Studios on Thursday, Sir Keir Starmer sought to strike an optimistic note after a challenging five months in power, saying Britain was “broken, but not beyond repair”.
Arguing his Labour Government had taken action to “fix the foundations”, Sir Keir set out six “milestones” that he said would allow the public to “hold our feet to the fire” on the missions he set for himself before the election. The PM also promised to deliver higher living standards by the next election, saying growth must be “felt by everyone, everywhere”, however, Independent Age warned that nearly two million pensioners are living in poverty right now “have not been considered in the six milestones”.
Head of Influencing at Independent Age Amy Dodge said: “We welcome the Prime Minister’s pledge to raise living standards for every part of the UK, but we are concerned that the almost two million older people living in poverty right now have not been considered in the six milestones put forward.
“If the UK Government is serious about raising living standards across the country, it must introduce both short term and long term policies that help lift older people out of financial hardship.”
She warned: “Time is running out, but it is still not too late to reconsider the changes to the Winter Fuel Payment. Linking it to Pension Credit was misguided and will see far too many older people fall through the cracks. The UK Government’s own modelling showed it could increase pensioner poverty by 100,000.
“Our helpline has been inundated with calls from frightened older people that are already making drastic cutbacks such as eating less and only heating one room. This shouldn’t be happening.”
Ms Dodge added: “In the long-term, the UK Government must ensure financial security for all people in later life. In the future we hope to see the introduction of national social tariffs for water and energy. This will help protect people on low incomes from future spikes in costs.
“It is also time for a cross-party consensus on what an adequate income in later life should be to avoid financial hardship. Once this is established, robust plans can be put in place to roll this out to every older person.”
How to access Winter Fuel Payments
New claims for Pension Credit made before December 21, 2024 which later turn out to be successful will also receive a backdated Winter Fuel Payment.
The Department for Work and Pensions (DWP) has deployed 500 extra staff to process applications as quickly as possible – the current processing time is around 60 working days. DWP also said it only takes 16 minutes on average to apply.
Minister for Pensions Emma Reynolds MP said: “We’re pleased to see more pensioners are now receiving Pension Credit and our staff are processing claims as quickly as possible. With the 21 December approaching, my message is clear: check if you are eligible for Pension Credit and if you are then apply, as it unlocks a range of benefits including the Winter Fuel Payment.”
Some older people think because they have savings or own their home they would not be eligible for the means-tested benefit, which can also provide access to help with housing costs, heating bills and Council Tax.
An award of just £1 per week is enough to unlock other support. Below is an overview of the benefit including who should check eligibility, how to go about it, how much you could get and where to get help filling in the form.
Who can claim Pension Credit?
There are two types of Pension Credit – Guarantee Credit and Savings Credit.
To qualify for Guarantee Pension Credit , you must be State Pension age (66). Your weekly income will need to be less than the minimum amount the UK Government says you need to live on.
This is £218.15 for a single person and £332.95 for a couple – this amount could be higher if you’re disabled, a carer or have certain housing costs.
You can only get Savings Credit if:
- you reached State Pension age before April 6, 2016, or you have a partner who reached State Pension age before this date and was already receiving it
- you have qualifying income of at least £189.80 a week for a single person and £301.22 a week for a couple
How much could you receive from DWP?
Guarantee Credit tops up your weekly income to:
- £218.15 for a single person
- £332.95 for a couple (married, in a civil partnership or cohabiting)
You might be able to get more than this if you’re disabled or a carer, or you have certain housing costs.
Savings Credit can give you up to:
- £17.01 a week for a single person
- £19.04 a week for a couple (married, in a civil partnership or cohabiting).
The exact amount you’ll get depends on your income and savings. Your income includes assumed income from savings and capital over £10,000.
How to check eligibility for Pension Credit
Older people, or friends and family, can quickly check their eligibility and get an estimate of what they may receive by using the online Pension Credit calculator on GOV.UK here.
Alternatively, pensioners can contact the Pension Credit helpline directly to make a claim on 0800 99 1234 – lines are open 8am to 6pm, Monday to Friday.
Expert help and advice is also available from:
More details about claiming Pension Credit can be fond on GOV.UK here.
Other help if you get Pension Credit
If you qualify for Pension Credit you can also get other help, such as:
- Housing Benefit if you rent the property you live in
- Support for Mortgage Interest if you own the property you live in
- Council Tax discount
- Free TV licence if you are aged 75 or over
- Help with NHS dental treatment, glasses and transport costs for hospital appointments
- Help with your heating costs through the Warm Home Discount Scheme or Winter Fuel Payments
- A discount on the Royal Mail redirection service if you are moving house
Mixed aged older couples and Pension Credit
In May 2019, the law changed so a ‘mixed age couple’ – a couple where one partner is of State Pension age and the other is under it – are considered to be a ‘working age’ couple when checking entitlement to means-tested benefits.
This means they cannot claim Pension Credit or pension age Housing Benefit until they are both State Pension age. Before this DWP change, a mixed age couple could be eligible to claim the more generous State Pension age benefits when just one of them reached State Pension age.
How to use the Pension Credit calculator
To use the calculator on GOV.UK, you will need details of:
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earnings, benefits and pensions
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savings and investments
You’ll need the same details for your partner if you have one. You will be presented by a series of questions with multiple choice answer options.
This includes:
- Your date of birth
- Your residential status
- Where in the UK you live
- Whether you are registered blind
- Which benefits you currently receive
- How much you receive each week for any benefits you get
- Whether someone is paid Carer’s Allowance to look after you
- How much you get each week from pensions – State Pension, private and work pensions
- Any employment earnings
- Any savings, investments or bonds you have
Once you have answered these questions, a summary screen shows your responses, allowing you to go back and change any answers before submitting. The Pension Credit calculator then displays how much benefit you could receive each week.
All you have to do then is follow the link to the application page to find out exactly what you will get from the DWP, including access to other financial support.
There’s also an option to print off the answers you give using the calculator tool to help you complete the application form quicker without having to look out the same details again. Try the Pension Credit Calculator for yourself or your family member to make sure you’re receiving all the financial support you are entitled to claim.
Who cannot use the Pension Credit calculator?
You cannot use the calculator if you or your partner:
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are deferring your State Pension
-
own more than one property
-
are self employed
-
have housing costs (such as service charges or Crown Tenant rent) which are neither mortgage repayments nor rent covered by Housing Benefit
How to make a claim
You can start your application up to four months before you reach State Pension age. You can claim any time after you reach State Pension age but your claim can only be backdated for three months.
This means you can get up to three months of Pension Credit in your first payment if you were eligible during that time.
You will need:
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your National Insurance number
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information about your income, savings and investments
-
your bank account details, if you’re applying by phone or by post
If you’re backdating your claim, you’ll need details of your income, savings and investments on the date you want your claim to start.
Apply online
You can use the online service if:
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you have already claimed your State Pension
-
there are no children or young people included in your claim
To check your entitlement, phone the Pension Credit helpline on 0800 99 1234 or use the GOV.UK Pension Credit calculator here to find out how much you could get.