Starting in April 2025, couples over the State Pension age will see a boost in their Pension Credit, increasing to £346.60 per week. This rise, confirmed by the Department for Work and Pensions (DWP), is designed to provide extra financial support to older couples struggling to meet their daily expenses.
If you qualify, you can also gain access to additional benefits, including free prescriptions and reduced council tax.
Let’s break down what this increase means, who qualifies, and how you can apply.
Pension
Pension Credit is a means-tested benefit aimed at topping up the income of retirees with low earnings. It helps ensure that pensioners have enough money to cover their basic needs.
There are two main parts:
- Guarantee Credit – This ensures that your income reaches a minimum level. From April 2025, couples will receive £346.60 per week.
- Savings Credit – Available for those who have modest savings or a small private pension.
This financial boost can make a real difference in the lives of elderly couples, helping them manage their daily expenses more comfortably.
Eligibility
To qualify for Pension Credit, both partners in a couple must meet specific criteria. Here’s what you need to know:
State Pension Age
Both partners must have reached the State Pension age, currently 66 years, though this is expected to rise in the future. If one partner is under 66, the couple will not be eligible.
Income Limit
Your combined income as a couple should not exceed £346.60 per week (as of April 2025). Income sources considered include:
- State Pension
- Private or workplace pensions
- Earnings from employment
- Other benefits such as Carer’s Allowance
If your income is slightly above this threshold, you may still qualify for partial Pension Credit.
Savings and Assets
Savings over £10,000 may affect your eligibility. Every £500 over this limit reduces your weekly Pension Credit by £1. If you have over £16,000, you won’t be eligible.
Benefits
Beyond the weekly income top-up, claiming Pension Credit opens the door to additional perks.
Housing Support
Eligible couples may receive help with rent or mortgage payments. A Council Tax Reduction is also available, significantly lowering local tax bills.
Free Prescriptions and Healthcare
Pension Credit claimants can get:
- Free NHS prescriptions
- Free dental care
- Free eye tests and vouchers for glasses
Free TV License for Over 75s
If you or your partner are over 75, you can apply for a free TV license, saving you over £150 per year.
Application
Applying for Pension Credit is simple. Choose one of the following methods:
Online
Visit the official Gov.uk website and complete the online application form. You’ll need:
- National Insurance number
- Income details
- Bank account information
By Phone
Call the Pension Credit Helpline at 0800 99 1234. A representative will guide you through the process.
By Post
Request a paper form from the helpline, complete it, and mail it to the DWP.
With the April 2025 increase, Pension Credit is set to provide much-needed financial relief to elderly couples. If you think you qualify, apply as soon as possible to access the full range of benefits available.
FAQs
Who qualifies for Pension Credit?
Couples where both partners are over the State Pension age and meet income criteria.
How much will couples get in 2025?
From April 2025, eligible couples will receive £346.60 per week.
Does savings affect Pension Credit?
Yes, savings over £10,000 can reduce your weekly amount.
Can Pension Credit help with council tax?
Yes, claimants may qualify for a Council Tax Reduction.
How do I apply for Pension Credit?
You can apply online, by phone, or by post via Gov.uk.
