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7. Benefit Entitlements

Help & advice

This category covers the different benefits which a person who is in care may be entitled to.

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Pension Credit

There are two parts to Pension Credit: Guarantee Credit and Savings Credit. You might be eligible to receive both types of credit.

Guarantee Credit: this tops up the claimant’s weekly income if it is below £155.60 for a single person or £237.55 for couples.

Savings Credit: this is an extra payment for people who have saved for their retirement through a savings fund, private pension or other investment product.

Use the pension calculator to see your eligibility:

In order to qualify for Guarantee Credit, you must reside in Great Britain and be of Pension Credit qualifying age. Currently people aged 65 meet this requirement but the age is gradually going up to 66, in line with the increase in State Pension age.

The majority of people will no longer be eligible for Savings Credit, there are a few exceptions to this:

- If you’re in a couple and one of you reached State Pension age before 6th April 2016

- If you were getting Savings Credit up to 6th April 2016

Your eligibility for Pension Credit it based on your income, this includes: state pension, other pensions, social security benefits, savings, investments over £10,000 and any earnings. The following benefits are not counted as part of your income: Attendance Allowance, Christmas bonus, Disability Living Allowance, Personal Independence Payment, Housing Benefit and Council Tax Reduction.

For further information on your eligibility for Pension Credit and how to claim, please see: