Pension Credit is a weekly benefit to boost your income and is based on how much money you have coming in. This is a brief outline but we can give you advice if you get in touch.

There are two parts to Pension Credit, called Guarantee Credit and Savings Credit. You might get one or both parts.

Guarantee Credit tops up your weekly income to a minimum amount.

Savings Credit is a small top-up for people who have a modest amount of income or savings. Savings Credit is only available if you reached State Pension age before 6 April 2016.

Could you be eligible?

You need to:

  • have reached State Pension age
  • not have too much income or savings (there is no fixed upper limit)
  • live in the UK

You can still be working, as long as your income isn’t too high.

Unlike the State Pension, you don’t need a national insurance record.

If you’re not a British Citizen you can only get Pension Credit if your immigration status lets you claim public funds. In some situations you also need a ‘right to reside’.

You can claim public funds if you have any of the following:

  • British or Irish citizenship
  • settled status from the EU Settlement Scheme
  • indefinite leave – unless you came to the UK on an adult dependent relative visa
  • refugee status or humanitarian protection
  • right of abode

If you’ve lived outside the UK you’ll need to give evidence to show the UK, Ireland, Channel Islands or Isle of Man is your main home. This is known as being ‘habitually resident’. You have to do this even if you’re a British citizen.

If you are over state pension age but your partner isn’t, the rules are slightly more complicated. Citizens Advice has lots of information about this so please get in touch to see if you are eligible.

How Pension Credit is worked out:

  • Most of your income is taken into account (but not benefits such as Attendance Allowance and Personal Independence Payment)
  • Assumed income from savings and investments over £10,000

This figure is then set against your personal allowances. If you are a carer or are in receipt of disability benefits these personal allowances will be higher and may make it more likely you will qualify for Pension Credit.

How to claim

You can claim at or by ringing the Pension Credit claim line 0800 99 1234

If you would like advice and for us to check whether or not you will be eligible for Pension Credit or any other benefits, please do get in touch with Maldon & District Citizens Advice:

01621 875774 – leave a message and an adviser will call you back that day or the next.

Call in at one of our outreach surgeries:

Heybridge – Fullbridge Church, CM9 4LE Tuesdays 9.30-1.00

Burnham – Baptist Church Hall, CM0 8HJ Thursdays 10-1.00

Southminster – United Reformed Church, North Street, CM0 7DF Tuesdays 9.30-12.00

Further details are on

We look forward to hearing from you and helping you top up your income.