Skip to main content

Pension credit

Pension credit is a tax free income-related benefit. Changes in the law mean the age you can receive any pension credit is gradually changing in line with the increase in women's State Pension Age. If you were born between 6 May 1952 and 5 March 1953 you may be part of the transition age group who will be paid pension credit before they become 65.

Who can apply for pension credit?

If you or your partner are aged over 60, you may be entitled to claim pension credit. If you are part of a couple and only one of you is over 60, then the person who is over 60 has to make the claim. You will need to check your State Pension Age to be able to calculate your pension credit entitlement.

Pension credit can be paid for two reasons. You can get:

  • guarantee credit because you have a low income and/or
  • savings credit is intended to provide extra money for people who have made modest provision for their retirement. This can be paid if you or your partner are 65 years or older.

Saving credit will no longer be paid to people reaching pension age on or after 6 April 2016. This will include people whose partners reached State Pension Age before this date.

You can find out more about pension credit from Gov.uk.

Cold weather, heating discount and fuel payments

In addition to pension credit, you or your partner may be entitled to help paying for your heating and fuel - see the section on Cold weather, heating discount and fuel payments.

Scotland map Housing laws differ between Scotland and England.
This content applies to Scotland only.
Get advice if you're England

If you're still looking for help, try searching, or find out how to contact us

Was this page helpful?

This feedback tool can't offer advice. If you still need help, please call our free housing helpline on 0808 800 4444

Would you recommend Shelter Scotland's website to a friend, colleague or family member?
(0 - not at all likely, 10 - extremely likely)

Your feedback is being submitted

Success! Thank you for your feedback.

If you'd like to hear more about our work at Shelter Scotland, you can sign up to receive updates on our campaigns page.

Sorry, there was a problem sending your feedback to us. Please try again or contact us via the website if this error persists.

The fight isn't over - support us this summer

far from fixed campaign logo
It’s a disgrace that people are still homeless in Scotland today. Join our campaign
It’s a disgrace that people are still homeless in Scotland today.
Volunteer
Find out more about volunteering with Shelter Scotland
Volunteer with Shelter Scotland
Have you had a bad housing experience? Tell us about your story.
Share your story of a bad housing experience
£