A Vital Opportunity for UK Pensioners to Boost Their Income
If you’re a pensioner in the UK, or you know someone who is, it’s worth taking a moment to check whether you’re eligible for two key Department for Work and Pensions (DWP) payments that could make a significant difference to your annual income—up to £10,040, to be exact.
These payments, Pension Credit and Attendance Allowance (or Pension Age Disability Payment in Scotland), are designed to help those who may be struggling with daily living expenses or low income. They’re there to provide some financial relief, especially for those dealing with the challenges of health issues or disabilities.
Breakdown of the Payments That Could Add Up to £10,040
Here’s a quick look at the two payments and how they could add up to a potential annual boost of £10,040:
- Pension Credit: This can add an average of £4,300 per year to your income.
- Attendance Allowance (or PADP in Scotland): You could receive up to £441.60 per month, which adds up to £5,740.80 annually.
So, in total, pensioners could get a combined £10,040.80 per year through these payments.
What Are These Payments?
Pension Credit
Pension Credit is a means-tested benefit for those over the State Pension age (currently 66) who have a low income. It’s divided into two parts:
- Guarantee Credit: This guarantees a minimum income for pensioners:
- £227.10 per week for a single person
- £346.60 per week for couples
Even if your income is a bit higher, you may still qualify if you’re a carer, have a severe disability, or face housing costs.
- Savings Credit: This part is available only to those who reached State Pension age before April 6, 2016. If you’ve got savings over £10,000, the amount you can claim may be reduced.
If you’re in a mixed-age couple (where one partner is over pension age), you’ll need to apply for Universal Credit until both of you meet the State Pension age. Then, you may qualify for Pension Credit.
Attendance Allowance (or PADP in Scotland)
This benefit is for pensioners who have a long-term illness, disability, or mental health condition and need care or supervision. It’s tax-free and doesn’t depend on your income or savings. Plus, you don’t need to have a carer to qualify.
Eligibility includes:
- Help with tasks like washing, dressing, eating, or moving
- Supervision due to confusion, risk of falls, or mental illness
Around 1.7 million older people in the UK are already receiving this support, so if you think you might be eligible, it’s definitely worth checking out.
How to Apply
If you’re eligible for either of these payments, applying is fairly straightforward:
- You can apply online through the official government website.
- If you’re not so keen on digital methods, you can apply by phone or post.
- For extra help, reach out to a family member or an organization like Citizens Advice.
If you’re unsure whether you qualify, it’s still a good idea to apply. Even if you’re only partially eligible, you could receive back payments that make a real difference.
Why You Should Act Now
With living costs continuing to climb, these payments can provide crucial support for pensioners who may be living on a tight budget. The sad truth is that many pensioners simply aren’t aware they’re eligible for these benefits, and as a result, they miss out on thousands of pounds every year.
On June 24, 2025, the DWP reiterated the importance of getting the word out—especially to those who have never applied before, or whose health or financial situations have changed.
The £10,040 support package available through Pension Credit and Attendance Allowance can make a world of difference to older citizens who are struggling with the rising cost of living.
Don’t Wait—Check Your Eligibility Today
If you think you might qualify, now is the time to check. Applying sooner rather than later means you won’t miss out on this vital financial help.
FAQs
Who qualifies for Pension Credit in 2025?
Anyone over 66 with a low income may be eligible for Pension Credit. If you’re a carer or have a severe disability, you might also qualify, even if your income is slightly higher than the standard threshold.
Can I claim Attendance Allowance if I don’t have a carer?
Yes, you do not need a carer to claim Attendance Allowance. The payment is based on your need for help or supervision, not whether or not you currently have someone assisting you.
How much can I get in total from both payments?
Eligible pensioners could receive up to £10,040 per year—£4,300 from Pension Credit and up to £5,740.80 from Attendance Allowance.
