Silverwings Benefits exists to help people get the support they’re entitled to. We’re an independent paid-for service, not the DWP or any government body. You can apply for benefits yourself free of charge, or get help from charities like Citizens Advice or Age UK.
Pension Credit enquiry
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- success rate on submitted applications
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Everything about Pension Credit
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What is PC?
What is Pension Credit?
Last updated: April 2026 · Reviewed by: Silverwings Benefits Team · Source: DWP
Pension Credit is a means-tested benefit for people who have reached State Pension age and are on a lower income. It is one of the most under-claimed benefits in the country — hundreds of thousands of eligible pensioners never apply, often because they assume owning their home, having some savings, or already getting another benefit rules them out. In most cases it does not.
Five things worth knowing.
Who qualifies
You’ve reached State Pension age (currently 66, rising to 67), you live in England, Scotland or Wales, and your weekly income is below the threshold once savings above £10,000 are converted to assumed income. Read the full eligibility criteria.
Owning your home doesn’t stop you
The home you live in is never counted as capital for Pension Credit, however much it is worth.
There’s no upper savings limit
Savings above £10,000 are converted into a small amount of assumed weekly income.
Attendance Allowance can increase it
Attendance Allowance is ignored as income and can actually increase your Pension Credit award through the severe disability addition.
A small award can unlock much more
Even a small award — sometimes just a few pounds a week — can open the door to hundreds or thousands of pounds in extra help.
Guides for your circumstances
- If you own your home
- Pension Credit and savings
- Pension Credit for couples
- Pension Credit and Attendance Allowance
- Backdating your claim
- Mixed-age couples
- Full eligibility criteria
- How to apply
- How much you could get
Rates
A top-up to your weekly income, not a fixed amount.
Pension Credit rates (2026/27)
Guarantee Credit brings your income up to the weekly minimum; Savings Credit and additions for disability or caring can add more on top. See worked examples of how much you could get.
Single
£238.00
weekly income it tops you up to (2026/27)
- Savings Credit on top, if you reached State Pension age before 6 April 2016
- Up to £17.96 a week
Couple
£363.25
weekly income it tops you up to (2026/27)
- Savings Credit on top, if you reached State Pension age before 6 April 2016
- Up to £20.10 a week
It can also unlock
- Council Tax Reduction
- Housing Benefit
- Warm Home Discount, towards your electricity bill each winter
- A free TV licence at 75 or over, worth £174.50 a year
- NHS dental and optical costs
Our fee
Pay in full, or spread it over 3 or 6 months.
20% + VAT of your first year’s award. Nothing if your claim doesn’t succeed.
- Your award, first year
- £2,000
- Our fee, 20% + VAT
- −£480
- You keep, first year
- £1,520
- You keep, every year after
- All of it
An example on a £2,000 a year award. No upfront fee, and you can spread the cost over 3 or 6 months.
You don’t have to use us. You can apply yourself for free, or get free help from Citizens Advice, Turn2us or Age UK.
Our reviews
Real reviews, word for word.
Taken from Trustpilot. The line in large type on each card is the reviewer’s own words too.
4.7 · See every review ↗“I heard within 6 weeks that I had been successful.”
A member of their team, Tony, called me and we completed my form. He was very patient, friendly and understanding.
Dee Brett · 8 June 2026 · Read it all ↗ “…I was granted The Personal Attendance Allowance.”
It was through Tony’s help, guidance and coupled with a sense of humour when going through the forms…
Maxine Kallenberg · 11 August 2026 · Read it all ↗ “…all sailed through with just over an hour phone call…”
Found silver wings by chance and thank the lucky stars we did. They explained the application in easy to comprehend terms…
Verified Customer · 11 May 2026 · Read it all ↗ “Without Tony’s reassurance and endeavour I’m not sure I would have managed the onerous task alone.”
Together he and I completed the epic application form required for Attendance Allowance.
David · 5 June 2026 · Read it all ↗
Your options
Nobody has to pay to claim what they’re entitled to.
Every benefit we help with can be applied for yourself, completely free, or with free help from a charity. Paying us is one option of three.
Free
Apply yourself
Apply for Attendance Allowance, Pension Credit or any benefit directly, free, with no fee at any point.
£0
Free
Help from a charity
Free, independent one-to-one help with forms, a benefits calculator, and an advice line for people over State Pension age.
£0
Only if you win
We do it with you
One phone call, and we handle the rest. Pay in full, or spread it over 3 or 6 months.
What the fee includes20%+ VAT of year one
How we work with you
Applying yourself is always free, and always an option
You can apply for Pension Credit directly with the DWP at no cost. If you’d rather have someone experienced help you present your case, that’s where we come in.
We’ve supported people through this since 2023
We take the time to understand your situation and help you set out the evidence clearly, so the DWP has what it needs to make a fair decision the first time.
You only pay if the application succeeds
There’s no upfront cost. If you choose to use our paid support and the application is successful, our fee is 20% + VAT of your first year’s award, as a one-off charge — with a 3 or 6-month payment plan available if that’s easier.
Silverwings Lifetime Claim
One fee. Support for a lifetime. Our support doesn’t end when your benefit award does. If you receive a fixed-term award, we’ll help you renew or reapply for the same benefit when it’s due to end, at no additional charge.
Questions
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Pension Credit: frequently asked questions
What is Pension Credit?
Pension Credit is a means-tested benefit that tops up the weekly income of people who have reached State Pension age and are on a lower income. It comes in two parts, Guarantee Credit and Savings Credit, and can also unlock a range of other help such as Council Tax Reduction and a free TV licence.
Does owning my home stop me claiming?
No — the home you live in is never counted as capital for Pension Credit, however much it is worth. See our dedicated guide on Pension Credit for homeowners.
Is there a savings limit?
There is no upper limit, but savings above £10,000 are converted into a small amount of assumed weekly income. See our guide on Pension Credit and savings for worked examples.
Can I claim if I already get Attendance Allowance?
Yes — Attendance Allowance is ignored as income and can actually increase your Pension Credit award through the severe disability addition.
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