Pension Credit is an extra form of income to top up your pension.
Other Pension Credit Contact Numbers
|Customer Services||0844 826 0687|
|Head Office||0844 826 0687|
|Claims||0844 826 0687|
Pension Credit Contact Number Opening Times
Pension Credit Head Office
|Head Office||Caxton House
6-12 Tothill Street
Why would I need to call the Pension Credit contact number?
- To find out if you are eligible for pension credit.
- To ask for a paper application form.
- To claim for pension credit.
- To appeal a decision that has been made with regards to your pension credit.
- To make a complaint if you believe you have been unfairly treated.
Pension Credit is a benefit. It consists of two elements. Guarantee credit aims to increase your income if it is low (usually below £155.60 for single people, £237.55 for couples). Savings Credit is designed for people who have put money towards retirement. You don’t need to pay any form of tax on pension credit. If you want to work out how much money you will get, there is a Pension Credit calculator on the Government website which you can find here.
Pension Credit Age
The age that you qualify for pension credit is the same as when you qualify for a state pension. It used to be that you took a forced retirement at the age of 65 but this is no longer in place. Instead, your state pension age is worked out on your date of birth and age. For instance, a female born in 1994 will reach state pension age when she is 68. You can use the calculator to discover what age will be classed as state pension age for yourself.
Pension Credit Rules
The rules, or eligibility, for pension credit, vary depending on the two elements.
In order to receive guarantee credit, you must be residing in the UK and have reached the qualifying age, which is currently 66 for men/women.
In order to receive savings credit, you must be over the age of 65. The majority of people who turn the state pension age after 6th April 2016 won’t be able to claim for savings credit. However, if you are part of a couple and you/your partner have turned the state pension age before the above date or you were getting savings credit before the date, you may still be able to get it.
Upon application for Pension Credit, the DWP works out your income based on your state pension, other pensions, and benefits i.e. carers allowance and savings. The income calculation won’t include Disability living allowance, attendance allowance, housing benefit, council tax reduction or personal independence payment. If you have previously registered for self-assessment, you’ll need to tell the DWP how much income tax you believe you will need to pay this year as this could change how much pension credit you receive.
Note that if you move abroad on a permanent basis, you won’t be eligible to receive Pension Credit.
Pension Credit Savings Limit
There is not a savings limit for pension credit, but if you have savings/investments which amount to over £10,000 this can change the amount that you get from the Government. You’ll be counted as having an extra £1 a week income for every £500 of capital that you have over £10,000.
Pension Credit Form
The best way to make a claim for pension credit is by calling the number on this page. However, if you are unable to do this, you can fill in a paper application. You can obtain this from a volunteer organisation such as Age UK or Citizens Advice, or by calling the helpline. The earliest time you can start your application is four months before you reach State Pension age. You can also backdate claims for three months if you apply after you have reached state pension age. To apply, you’ll need to know your National Insurance number, income and savings information and your bank account information.
Why is it worth claiming pension credit?
Even if you don’t get a lot of extra money, claiming pension can come with a lot of other benefits, such as:
- Not having to pay council tax- the exception is if other people live with you.
- Dental treatment for free and you could claim for the costs of travelling to hospital and for glasses.
- If you are a tenant, you might get housing benefit to pay your rent for you.
- If the temperature is 0 degrees or below for over seven days in a row, you will get a cold weather payment of £25.
- If you are a homeowner, you could get help with mortgage interest and service charges.
- If you care for someone, you might get a further element of pension credit which is called carer premium.
Popular questions about Pension Credit
Why has my Pension Credit been suspended?
There are a few reasons why Pension Credit could be suspended. It could be because you haven’t submitted evidence following a claim, you have not followed up a review by the pension service, or if the pension service is trying to reach a decision about the future of your claim.
Why has my Pension Credit reduced?
Pension Credit may be reduced if your State Pension amount goes up. The State Pension amount usually goes up each year because it doesn’t rely on means-testing, unlike Pension Credit. As your income affects the amount of pension credit you receive, logically if your state pension goes up, pension credit must come down.
About Pension Credit/DWP
Pension Credit was developed to assist poorer people of state pension age. It was first introduced in 2003 by the former Prime Minister Gordon Brown, who was the Chancellor of the Exchequer at the time. It has been subject to a number of changes since then, but the principle of helping poorer people hasn’t changed.
For more information about Pension credit, call the number on this page.