Expert Help with Your Pension Credit Claim
If you're over State Pension age and on a low income, you could be missing out on tax-free financial support through Pension Credit. Even a small award can increase your income and open the door to other valuable benefits — but many people never apply because the process feels confusing or time-consuming. That’s where we come in.
We complete and submit your online Pension Credit application for you, whether it's for yourself or a family member.
Our professional service ensures every detail is accurate, so you can claim with confidence and without the stress of doing it alone.
What is Pension Credit?
Pension Credit is a tax-free, means-tested benefit for people over State Pension age on a low income. It can increase your weekly income and unlock access to other financial support — but many eligible people miss out due to the complexity of the application process or lack of awareness of entitlement.
The Two Parts of Pension Credit
Guarantee Credit
This tops up your weekly income to a minimum level set by the government. For the current tax year, the thresholds are:
- £238.00 per week for single people
- £363.25 per week for couples
If your income is below these levels, you may qualify for a top-up to bring you up to the threshold.
Savings Credit
This is an additional payment for people who reached State Pension age before 6 April 2016 and have modest savings or income from a private pension. The maximum Savings Credit amounts for the current tax year are:
- £17.96 per week for single people
- £20.10 per week for couples
Even if your income is only slightly under the threshold, it’s still worth claiming Pension Credit. A small award can act as a gateway to much more valuable support through other linked benefits — often worth significantly more than the payment itself.
Receiving Pension Credit can also act as a passport to other support, including:
- Free NHS dental treatment
- Cold Weather Payments
- Help with Council Tax
- Assistance with housing costs
- Free TV licence for over-75s
Pension Credit with Other Benefits
Pension Credit works alongside other forms of support, and claiming one benefit doesn’t mean you can’t claim another.
Receiving benefits such as Attendance Allowance, Personal Independence Payment (PIP), or Disability Living Allowance (DLA) will not affect your eligibility for Pension Credit. These are non-means-tested benefits and do not count as income in the Pension Credit assessment, so you can claim both without any reduction.
Who We Help
We support:
- Individuals applying for their own Pension Credit
- Family members applying on someone’s behalf
- Carers and representatives needing help with the process
There’s no upper age limit, and we’re experienced in working with both applicants and those supporting them.
How Our Service Works
We manage the full application process for you:
- Collect the necessary information
- Accurately complete and submit the online Pension Credit application
Why Trust Us
- Professional and reliable service
- All the form-filling done for you
- Clear pricing and confidential support
- Trusted by individuals, families, and carers across the UK
We ensure your claim is completed properly and submitted without delay — giving you peace of mind and the best possible outcome.
Check Your Pension Credit Eligibility
Unsure whether you or a loved one qualifies for Pension Credit? Many people miss out on extra income and valuable support simply because they don’t realise they’re entitled to it.
We offer a free 30-minute eligibility assessment to help you understand what you could claim. If you're eligible, we’ll then complete and submit your application for you — accurately and professionally.
Call us on 01628 947066 or use the form below to request your free Pension Credit assessment.
Remember When the Rules Changed?
In 2024, the Government made unexpected changes that meant millions of pensioners lost access to the Winter Fuel Payment. But those receiving Pension Credit continued to get it because they were already in the system and met the eligibility criteria.
Being in receipt of the benefits you’re entitled to doesn’t just help now. It can protect you from missing out if the rules change again. Even a small award can make a big difference and unlock extra help. Don’t leave it too late to claim what’s yours.
What Our Clients Say – Grey Matters Consultancy Reviews
We support individuals and families with expert help across a wide range of applications — including pension-age benefits, disability benefits, Blue Badge applications, and Lasting Power of Attorney. Our trusted, professional service makes complex processes easier to manage. Here’s what our clients say about their experience with Grey Matters Consultancy.
Frequently Asked Questions
Can I claim Pension Credit if I have savings?
Yes. There’s no savings limit, but if you have over £10,000 in savings or investments, it may reduce the amount you’re entitled to. The DWP uses a standard formula to calculate this.
Is it still worth claiming if I’d only get a small amount?
Absolutely. Even a very small award can give you access to other benefits and concessions — often worth much more than the Pension Credit payment itself.
Do I need to apply as a couple?
Yes, if you live with a partner, you must apply as a couple. Your joint income and savings will be assessed together.
What information will I need to apply?
You’ll need details about your income, pensions, savings, housing situation, and any benefits you already receive. If you use our service, we’ll let you know exactly what’s required.
How long does it take to process a claim?
It can take several weeks for the DWP to process a Pension Credit application. Delays are common if information is missing or incomplete — which is why accurate form-filling is so important.
Can a family member apply on someone else’s behalf?
Yes, a relative or carer can help with the claim, and we often work directly with them. However, the application will still be in the name of the person claiming the benefit.
Do I need to be receiving a State Pension to apply?
You must be over State Pension age to apply, but you don’t have to be receiving your State Pension to claim Pension Credit. Deferring your State Pension may affect how your income is assessed.
Can I claim if I’m part of a mixed-age couple?
If you’re in a couple and only one of you is over State Pension age, you’ll usually need to claim Universal Credit instead. Both partners must have reached State Pension age to be eligible for Pension Credit as a couple.
The Government do not charge for applying for Pension Credit our fee covers the form-filling service, support and advice.