Age related benefits

scrabble tiles spelling the word money

There is no shame to claim age related benefits

Many older people are not claiming money they are entitled to.

£5 billion a year goes unclaimed by pensioners in the UK. It is estimated that just under half of all pensioners are missing out on age related benefits they are entitled to in addition to their basic state pension.

Many pensioners are unaware of the benefits they could claim, others too proud to do so.

Charities for the elderly however are urging pensioners to claim what they are entitled to despite any misgivings they may have.

What State Benefits for are available for Pensioners ?

In addition to the state pension, claims can be made for:

Pension Credits

Falling into two categories

  • Guaranteed credits
  • Savings credits.

The guaranteed credit tops up the weekly income of a state pensioner to a minimum of £145.40 for individuals or £222.05 for a couple.

The savings credits are aimed at those pensioners over 65 who have a small amount of savings but live on low incomes and is up to £18.06 for an individual and £22.89 per couple.

Housing benefit

If you pay rent and your income is below a specified level pensioners may be eligible for Housing Benefit. This is claimed through the local council and can help with housing costs and service charges on shared communal areas.

Council Tax benefit for Pensioners

If a pensioner qualifies for the guaranteed pension credit they chould also get this  council tax benefit. Pensioners with low savings may also qualify and the benefit is worked out based on the income of your whole household. Claims are made through your local council offices.

Attendance Allowance for Pensioners

If a pensioner requires assistance with their personal care they may qualify for attendance allowance. Pensioners do not have to have a carer, the money is tax free and can be spent however the pensioner wishes. Attendance allowance is currently £53 or £79.15 depending on the persons needs.

Winter Fuel Payments

Winter Fuel Payments are paid to people aged over 60 in a tax free lump sum. If you get a state pension it is paid automatically to you, HOWEVER, for those over 60 who don’t get a state benefit, a claim form must be completed and submitted.

More information can be obtained at any Age Concern branch and staff will be able to advise further and in many cases assist in filling out the application forms.

There is also a pension credit helpline, call Freephone 0800 991 234

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Caron

Award-winning blogger and care columnist for Devon Life magazine, Caron also campaigns for recognition of the needs elderly people and their carers. Designer and creator of the award-winning Dementia Assistance Cards which are free to all, and helping thousands of people globally Caron is passionate and committed to making a difference

1 Comment

  1. Hi there. This is very interesting. I have helped several people over the years to claim benefits. I find that the main reason why people dont claim is because they dont know that the benefits are there. One lady actually had savings of 30,000, and thought that I was mad to put in a claim for her. She is 86 years old. She ended up with Attendance Allowance, Pension Credit, and Council tax relief. She is still wating for the letter to say there is a mistake! Another lady I found in tears one day because she had her bank statement and because of the Credit crunch her Trust fund (not her money, she was getting paid interest from it) had not paid the usual interest. She quite literally didn,t have any money to put her hands on for her rent.. I immediately contacted Housing benefits, Council Tax benenifits. It was sorted in a very short time. But what would she have done without my knowing that these benefits were due to her. The reason why I was around was because I was keeping an eye on them because neither one of them had any relatives. There a few other stories but they add up to just not realising that these were available. The Government, LOL , really need to get more information out to Elderly people to let them know. But will they? No! I think that there should be a more approachable, local advice place helping people to see what is available in a friendly way. A lot of Elderly people do not have computers, dont drive, are isolated in their own little world of the local shop, their limited understanding of technology (and that involves even the TV these days) and without people like me to help them how are they supposed to get on! By the way I live in a rural area, five miles away from the local town, so even the CAB is not easily available.

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