3. Eligibility

Guarantee Credit

To qualify for Guarantee Credit:

The qualifying age for Pension Credit is gradually going up to 66 in line with the increase in the State Pension age for women to 65 and the further increase to 66 for men and women.

Find out more about Pension Credit and when you could get it.

Savings Credit

To qualify for the extra Savings Credit you or your partner must be 65 or over.

You’re treated as a couple if you live with your husband, wife or partner. You don’t have to be married or in a civil partnership.

You can’t get Pension Credit if you move abroad permanently.

If you reach State Pension age on or after 6 April 2016

Most people won’t be eligible for Savings Credit.

You may still get Savings Credit if you’re part of a couple and 1 of you has reached State Pension age before 6 April 2016.

Working out your income

When you apply your income is worked out. This includes:

  • State Pension
  • other pensions
  • most social security benefits, eg Carer’s Allowance
  • savings, investments over £10,000 - for these £1 is counted for every £500 or part £500
  • earnings

If you’re entitled to a private or workplace pension, the amount you’d expect to get is calculated as income from the date you were able to get it, if you had claimed it.

You won’t get the benefit of deferring your State Pension if you or your partner are on Pension Credit, eg you won’t build up extra State Pension or a lump sum for deferring your State Pension. When working out if you can get Pension Credit, the income you’d get from your State Pension is included whether you’re claiming it or not.

The calculation doesn’t include:

  • Attendance Allowance
  • Christmas Bonus 
  • Disability Living Allowance
  • Personal Independence Payment
  • Housing Benefit
  • Council Tax Reduction

If you’re registered for Self Assessment, you must tell the Pension Service how much Income Tax you expect to pay for the current tax year - this affects how much Pension Credit you’ll get.

Get face-to-face advice or leaflets about Pension Credit from your local Service Information Point. You need to book for face-to-face advice.