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Welfare Rights
Pension Credit
Guidance from South Ayrshire Council's Welfare Rights Unit
Pension Credit is an entitlement for people aged 60 or over. This could mean extra
money for them every week.
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