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Help with Housing costs etc.. on pension credit


You could get an extra amount to cover your housing costs, such as:

  • ground rent if your property is a leasehold

  • some service charges

  • charges for tents and site rents

The amount you could get depends on your housing costs.

If you get Pension Credit, you could also be eligible for:

If you have savings or a second pension

You could get the ‘Savings Credit’ part of Pension Credit if both of the following apply:

  • you reached State Pension age before 6 April 2016

  • you saved some money for retirement, for example a personal or workplace pension

You’ll get up to £14.48 Savings Credit a week if you’re single. If you have a partner, you’ll get up to £16.20 a week.

You might still get some Savings Credit even if you do not get the Guarantee Credit part of Pension Credit.

Other help if you get Pension Credit

If you get Pension Credit you’ll automatically get cold weather payments.

You’ll also be eligible to:

Find out how much you could get

Use the Pension Credit calculator to work out how much you might get.

Contact the Pension Service helpline if you’re not sure whether you’re eligible for extra amounts.

Pension Service helpline
Telephone: 0800 731 0469
Textphone: 0800 169 0133
Relay UK (if you cannot hear or speak on the phone): 18001 then 0800 731 0469
British Sign Language (BSL) video relay service if you’re on a computer - find out how to use the service on mobile or tablet
Monday to Friday, 8am to 5pm
Find out about call charges

How you’re paid

All benefits, pensions and allowances are usually paid into an account, for example a bank account.

You can start your application up to 4 months before you reach State Pension age.

You can apply any time after you reach State Pension age but your application can only be backdated by 3 months. This means you can get up to 3 months of Pension Credit in your first payment if you were eligible during that time.

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