State Pension

State pension age is increasing and a new State Pension was introduced in April 2016.

More information on these changes from and Age UK

Pension Credit

Pension Credit is an income related benefit for pensioners. It is made up of two different parts, Guarantee Credit and Savings Credit. To be eligible for Guarantee Credit you must have reached the Pension Credit qualifying age. This is gradually increasing from 60 to 66 by 2020. To find out the date from which you qualify, you can use the State Pension age calculator. Further changes to the State Pension age are likely to affect the Pension Credit qualifying age. The age for Savings Credit is 65.

Important information for couples: At present while you must have reached the qualifying age for Guarantee Credit, you can still claim if your partner is under the qualifying age. At some stage this will change with the introduction of Universal Credit, where both partners have to reach qualifying age. It is important therefore to make sure you claim and get Pension Credit as soon as possible and before its too late.

  • In effect from April 2016

Savings credit is being phased out from April 2016. Entitlement to ‘Savings Credit’ part of Pension Credit ends for those who reach State Pension Age on or after 6 April 2016. It also ends for ‘mixed age’ couples unless one of them has continuously been on it since before 6 April 2016.
The rule which allows savings to be ignored (called ‘assessed income periods’) for Pension Credit claims is also being phased out.

See our April 2017 benefit bulletin for more details on these and other April 2017 changes.

Disability Living Allowance and Personal Independence Payment for those 65 or over

Disability Living Allowance is being replaced by Personal Independence Payment. If you're aged 65 or over on the 8 April 2013 you will remain on Disability Living Allowance. You will need to continue to meet the entitlement conditions. You do not need to claim Personal Independence Payment.

People who make a new claim when they are aged 65 or over will be considered under Attendance Allowance.

Further help

What can I do if I'm affected by these changes?

For a comprehensive list of benefit changes see our benefit changes timeline.

Page last updated: 
5 August 2017
Was this page useful?