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Pension Credit

Guidance from South Ayrshire Council's Welfare Rights Unit

Pension Credit is an entitlement for older people who are no longer required to work or be considered for work related activity. The minimum qualifying age is going to gradually increase from 60 to 66.

Table showing the date when a woman will reach State Pension age or a man or woman will reach the Pension Credit qualifying age. This is for people born between 6 August 1950 and 5 February 1953.

Date of BirthDate a woman will reach State Pension age or a man or woman will reach the Pension Credit qualifying age
6 August 1950 to 5 September 19506 January 2011
6 September 1950 to 5 October 19506 March 2011
6 October 1950 to 5 November 19506 May 2011
6 November 1950 to 5 December 19506 July 2011
6 December 1950 to 5 January 1951 6 September 2011
6 January 1951 to 5 February 1951 6 November 2011
6 February 1951 to 5 March 1951 6 January 2012
6 March 1951 to 5 April 19516 March 2012
6 April 1951 to 5 May 19516 May 2012
6 May 1951 to 5 June 1951 6 July 2012
6 June 1951 to 5 July 1951 6 September 2012
6 July 1951 to 5 August 1951 6 November 2012
6 August 1951 to 5 September 1951 6 January 2013
6 September 1951 to 5 October 1951 6 March 2013
6 October 1951 to 5 November 1951 6 May 2013
6 November 1951 to 5 December 19516 July 2013
6 December 1951 to 5 January 1952 6 September 2013
6 January 1952 to 5 February 1952 6 November 2013
6 February 1952 to 5 March 1952 6 January 2014
6 March 1952 to 5 April 1952 6 March 2014
6 April 1952 to 5 May 1952 6 May 2014
6 May 1952 to 5 June 1952 6 July 2014
6 June 1952 to 5 July 1952 6 September 2014
6 July 1952 to 5 August 1952 6 November 2014
6 August 1952 to 5 September 1952 6 January 2015
6 September 1952 to 5 October 1952 6 March 2015
6 October 1952 to 5 November 1952 6 May 2015
6 November 1952 to 5 December 1952 6 July 2015
6 December 1952 to 5 January 1953 6 September 2015
6 January 1953 to 5 February 1953 6 November 2015

Pension Credit Aims To:

  • Combat pensioner poverty
  • Reward people who have modest savings
  • Significantly increase the number of pensioners who receive additional financial help
  • Make receipt more acceptable

There are 2 components to pension credit:

  • Guaranteed Credit = income guarantee for pensioners who are 60 or over
  • Savings credit = rewards for savings or second pensions for pensioners who are 65 and over

Plus Points

  • Most pensioners over 65 will only need to report major life events to the Pension Service. Second pensions will be increased by the Pension Service. Decreases in income will be taken into account if reported
  • Majority will benefit from not having to notify changes in financial circumstances for a period of 5 years
  • Annual Statement Provided

Affect on Housing and Council Tax Benefit
Pension credit will be a passport to several other benefits including Housing Benefit and Council Tax Benefit

Guaranteed Credit will passport recipient on to full Housing Benefit and Council Tax Benefit

Savings Credit only – pensioner will apply for standard Housing Benefit and Council Tax Benefit.

To apply for Pension Credit – call the Pension Service on 0845 6060265

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Last updated: 29 August 2016

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