Universal Credit will not affect you if you’ve reached state pension age. Use this useful tool to find out if you have or when you will reach state pension age.

To be able to claim Universal Credit you must be over 18, but below state pension age, not be in full time education or have savings or investments worth over £16,000.

What you need to know

If you’re a mixed age couple where one person is over state pension age and the other is under – you’ll be given a choice to claim Pension Credit or Universal Credit.

In December 2018, when the Universal Credit rollout is complete, both members of the couple must reach pension credit qualifying age to be able to claim for Pension Credit.

See if you are over pension credit qualifying age here.

To find out more about claiming Universal Credit as a couple read our blog which includes lots of useful information including what the Department of Work and Pensions class as a ‘couple.’

What is Pension Credit?

Pension Credit is a benefit for someone aged over 65 that helps to give you a little extra money once you’ve retired. It’s made up of two parts; Guarantee Credit and Savings Credit.

If you’re on a low income or are struggling to pay your bills or living costs, claiming Pension Credit could help. To find out whether you qualify visit: https://www.gov.uk/pension-credit


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