Pension Credit in 2022: a complete guide

21 November 2022 by Robin - 9 minutes of reading time

pension credit in 2022

What is Pension Credit? How much may I earn? Do my income and savings impact my eligibility? If you are elderly, you may be eligible for this benefit. This Your Benefits article will tell you everything you need to know about Pension Credits. 

How much is pension credit a week?

There is a maximum amount of Pension Credit you can get. If you are single, this is £177.10 in weekly income. If you are in a couple, this is £270.30 total in a weekly joint income.

Pension Credit amount by eligibility in 2022
Condition Weekly amount
You are single £177.10 (total topped up income)
You are a couple £270.30 (total topped up income)
You have a severe disability £67.30 extra
You care for another adult £37.70 extra
You are responsible for a child or young person under 20 born after 6 April 2017 £54.60 extra per child
You are responsible for a child or young person under 20 born before 6 April 2017 £65.10 extra per child
You are responsible for a disabled child or young person under 20 either £29.66 or £92.54 extra, depending on the benefits they receive
You pay for housing costs Amounts may vary depending on your expenses
You have savings or a second pension and are single £14.04 extra in Savings Credit
You have savings or a second pension and are a couple £15.71 extra in Savings Credit

You may be able to earn more, as shown in the table above. Extra money that you earn are what is called ‘Guarantee Credit’. Additionally, you may have a severe disability. Then, you may be eligible for extra Pension Credit amounts. In fact, you may get an additional £67.30 weekly if you get any of the following:

What if I am single or in a couple?

If you are single and reached State Pension age before 6 April 2016, you will get £14.04 a week. Note that if you live in Northern Ireland, you may get different amounts.

You may care for another adult. In this case, you may be eligible to receive an additional £37.70 weekly. Either of the following must be true:

  • You receive Carer’s Allowance;
  • You do not receive Carer’s Allowance because you earn another benefit that pays more, but you have applied.
Both you and your partner may have been getting or claimed Carer’s Allowance. In this case, you may both earn the additional amount.

Extra pension credit for children

How much is Pension Credit a week?

You may be eligible for an additional weekly £54.60 for every child or young person under your responsibility. If the child’s date of birth is earlier than 6 April 2017, this amount is £65.10 weekly instead. The child or young person must typically live with you. They must also be younger than 20 years old.

Your child may be 16 years or older and younger than 20 years old. You may earn the additional amount if they are in or accepted in:

  • An approved training (like Foundation Apprenticeships);
  • A non-advanced education course (an example of this may be studying for A levels or GCSEs. Additionally, they must be at their course for more than 12 hours).

You may earn Tax Credits. In this case, caring for a child may not earn you extra Pension Credit amounts. However, you might be able to receive Child Tax Credits.

The child or young person might also be disabled. In this case, you may be eligible for earning additional Pension Credit. The amounts are as follows:

  • An additional £29.66 weekly (this is if they receive either Disability Living Allowance (DLA) or Personal Independence Payment (PIP));
  • An additional £92.54 weekly;
    • If they are blind, or;
    • They receive the Disability Living Allowance’s (DLA) highest rate care component, or;
    • The Personal Independence Payment’s (PIP) enhanced daily living component.

Other ways to earn extra pension credit

You may earn extra Pension Credit through other means. For example, if you are the one paying for your housing costs. This amount would help you cover those costs. What you could be paid depends on the housing costs. You may qualify if you pay for:

  • Certain service charges;
  • Ground rent (this is if your property for which this applies is a leasehold);
  • Costs for site rents and tents.

If you have a savings or second pension, you may be able to earn ‘Savings Credit‘. This is part of the Pension Credit. The following must apply:

  • You reached State Pension age before 6 April 2016;
  • You have a certain amount of money saved for retirement (this may be in the form of a workplace or personal pension, for example).

In this case, you will earn a maximum of £14.04 Savings Credit weekly, if single. You will earn a maximum of £15.71 weekly.

If you are over 75 years old, you may be able to apply for a free TV licence. If you are able to receive Pension Credit, you will automatically receive cold weather payment. You will be able to ask for the NHS to help with health costs.

Apply for pension credit

You may start your claim for Pension Credit 4 months before reaching State Pension age. Moreover, your claim can only be backdated by 3 months if you wait to apply. In other words, if you wait 3 months before applying, you may still receive payments for it.

You can apply online on the Gov.UK website. You may also apply by phone or post to the Pension Credit claim line and service. The information that you will need include your National Insurance number and information on your income, savings and investments.

Before 15 May 2019, people could apply even if their partner was not State Pension age. That is not the case anymore.

Who is eligible for pension credit uk?

Apply for Pension Credit

Some people may be able to earn more Pension Credit. This may be the case if you are responsible for a child, young person, if you are severely disabled or a carer.

You must currently live in England, Scotland or Wales in order to qualify for Pension Credit. Additionally, you must also have reached State Pension age.

The country you live in may not be in the UK. Your family or yourself may be from the following: EU, Norway, Switzerland, Iceland or Liechtenstein. The requirements you must then fulfil is to have a settled or pre-settled status under the EU Settlement Scheme. Only then can you earn Pension Credit.

The deadline was 30 June 2021 to apply to the scheme. However, you may still be eligible to apply.

Does being with a partner affect my pension credit eligibility?

If you are in a couple, it impacts how you apply for the benefit. Your partner and their information need to be included in the claim. In fact, both you and your partner will be eligible if either of the following applies:

  • Both of you are State Pension age or older;
  • Either you or your partner is earning Housing Benefit intended for people older than State Pension age.
Who may be considered a partner? You may have a husband, wife, or civil partner. You may not even be married or have a legal partnership. They must be living with you in order to count them as a partner.

Does my income impact my application?

Your income will be calculated when you apply for Pension Credit. On top of this, so will the income of your partner. The income you both earn will be combined in the calculation.

There is a maximum amount of income that your Pension Credit tops up to. If you are single, this is £177.10 in weekly income. If you are in a couple, this is £270.30 total in a weekly joint income.

What does it mean that my Pension Credit “tops up” my income? Your Pension Credit, in this case, is added to your income. You may not earn more than the above amount. It is calculated by adding Pension Credit to your existing income.

You might have a higher income and still qualify for Pension Credit. There are special conditions that may mean you are still eligible, like a disability. Furthermore, you may care for someone or may have housing costs. You may even have savings. All these might make you still qualified.

What counts as income?

There are benefits, payments and earning that do and do not count as income. What is calculated in your income includes:

  • State Pension;
  • Pensions other than State Pension;
  • Earnings from employment (this includes self-employment);
  • Most of the social security benefits (this includes Carer’s Allowance).

There is a list of things that do not count towards income. Not all benefits are. This applies to the following:

What if I have deferred my pension?

You may have deferred a personal or workplace pension that you are entitled to. If this is the case, you may not have yet claimed it. This amount will still count as income regardless. In other word, it is the amount you’d be expected to have that counts towards income.

You may have deferred your State Pension. The amount of State Pension you would be receiving would still be counted towards income. This is for State and other pensions.

Because of everything described, you may not be able to earn ‘extra’ amounts of State Credit by deferring State Pension.

How much savings can you have before it affects pension credit?

Your Pension Credit will not be impacted by savings and investments of £10,000 or less.

You may have more than £10,000 in savings and investments. If so, every additional £500 counts as £1 weekly income. For example, you may have £14,000 saved up. That is 8 times £500 over £10,000. As such, your savings will count as an additional £8 weekly income.

What is pension credit?

If you are State Pension age or older and on a low income, Pension Credit is a benefit that may help cover day-to-day expenses. Additionally, costs resulting from housing may be covered by the benefit. This may include service charges or rent.

Pension Credit and State Pension are not the same benefit. If you are able to receive Pension Credit, you will automatically receive cold weather payment. Payments are usually put into your account directly. This is the same as most benefits, allowances and pensions.

What benefits are pensioners entitled to?

If you earn Pension Credit amounts, you may also be entitled to other help. This includes:

  • A free TV licence (this applies to people 75 years or older);
  • Council Tax Reduction;
  • Support for Mortgage Interest (this applies if you are the owner of the property that you live in); 
  • Housing Benefit (this is if you are renting the property that you live in);
  • Help with certain health costs (like NHS dental treatment, glasses, or costs towards transportation for hospital appointments);
  • Additional help covering heating costs.
You may have your own home, additional earnings, and even savings. Income will impact your eligibility. Additionally, you can call the pension credit claims enquiry line on 0800 99 1234 pension service. You can also ask Citizens Advice, a registered charity, about guarantee credit and savings credit.

Robin is a writer for Your Benefits, writing about aids that people may be entitled to. He is currently working on his Master in journalism at the Institut Supérieur de Formation au Journalisme in Lille.

Ask our experts a question

Your questions
  • brown mick

    we were granted pension credit from may 2022 when we had savings of around £ 25,000, since then we have purchased a newer car and bought a touring caravan for uk holidays and taken savings to around £10,000 will i have to inform authorities and will this effect pension credit amount,

    • Robin


      It may. If your savings are over a certain amount, it may make you unable to qualify.

      Hope this helps,

  • Platt Russell

    Hi. Regarding housing benefit; I receive gaurantee pension credit, I have contacted my local borough council, they reply “We have been in touch with W&P we cannot pay housing benefit because your savings are too high.”
    Is this correct?
    Kind regaurds Russell.

    • Robin


      Yes. If your savings are over a certain amount, it makes you unable to receive this benefit.

      Hope this helps,

  • Evans. Janice

    I have been granted pension credit, as from 21at May 2022_ Am I entitled to any help with winter

    I have been receiving pension credit from 21at May 2022. _ what help will I be entitled to with winter fuel bills?

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