Page last reviewed: 31 July Next review due: 31 July Benefits if you're over State Pension age. Check what benefits you can get and how to get them. Attendance Allowance What it is Attendance allowance is for people over State Pension age who need help at home because of an illness or disability. Use the entitled to benefits calculator. Money, work and benefits Paying for your own care self-funding When the council might pay for your care Personal budgets and direct payments NHS continuing healthcare NHS-funded nursing care Benefits if you're under State Pension age Work and disability.
Tool Money Manager. Everyday money. Calculator Credit card calculator. Tool Couch to Financial Fitness. Calculator Baby costs calculator. Calculator Mortgage affordability calculator. Calculator Mortgage calculator. Money troubles. Calculator Pension calculator. Calculator Workplace pension contribution calculator.
Tool Find a retirement adviser. Calculator Redundancy pay calculator. Home Benefits Benefits in later life. Benefits Benefits in later life. Benefits in retirement. State Pension. Find out more in our guide State Pension: an overview. Want to feel more in control of your finances? Back to top. Pension Credit. Find out more in our guide Pension Credit.
Help with Council Tax. Contact your local council to ask about support with Council Tax. Find your local council on the GOV. UK website. Help with Rates in Northern Ireland. Find out more on the nidirect website. Help with heating costs. Winter Fuel Payment. The amount you get depends on your age and who lives in your household. Cold Weather Payment.
If you qualify, it will be paid automatically. To find out more on the GOV. Warm Homes Discount scheme. Find answers for the most frequently asked questions on the Ofgem website. Insulation and heating schemes. For more information on insulation and other ways to cut you energy bill, read our guide How to save money on gas and electricity bills. You might also be able to apply for a grant to make your home more energy efficient.
Find out more in our guide How to pay for home improvements. Health benefits. In England, everyone aged over 60 gets free prescriptions and eye tests. You might also qualify for help towards: dental treatment travel costs to hospital glasses or contact lenses. In Scotland, Wales and Northern Ireland, everyone is entitled to free prescriptions.
Find out more about getting help with health-related costs on the NHS Choices website. Disability and care benefits. There are benefits for people who have disabilities, or specific care needs. Find out more in our guide Benefits to help with your disability or care needs. Travel and TV benefits. Bus passes. In England, you qualify when you reach the female State Pension age. If you live in a London borough and are over 60, you qualify for a free travel Oyster photocard. Apply for an older person's bus pass on the GOV.
Travel concessions. Free bus travel for older people in England, go to GOV. Free passport. Find out more and how to apply on the GOV. Free TV licence. There are still some overs who can get theirs for free or at a reduced rate.
Find out more in our guide Paying your TV Licence. Benefits for war widows or widowers. Medical costs for war pensioners. Find out more about medical costs for war veterans on the GOV. War Disablement Pension. Use an online benefit calculator. UK website is a good way to: check which benefits you might be entitled to estimate the amounts you might be able to claim show how the estimates would change if your circumstances changed. Is your household income getting squeezed? Check you are receiving all the benefits or grants you might be entitled to.
To find out what you might be entitled to, try the benefit calculator on the GOV. You can also get free benefits advice on the Turn2uswebsite. Was this information useful? Yes No. Thank you for your feedback. By continuing to browse you consent to our use of cookies. You can understand more and change your cookies preferences here.
When you finally reach retirement, it's not just a life without having to go to work you can enjoy. There are a variety of benefits, discounts and perks on offer once you reach a certain age. Some are offered by the state - such as pension top-ups, help to meet the cost of energy bills or free and discounted travel. The crucial thing here is that more often than not you have to remember actively to claim them, as millions of UK consumers fail to do so, missing out on valuable income. Others are available from private companies, covering everything from nights out at the cinema to discounts on sporting season tickets.
The amount of state pension you're entitled to will depend on the number of National Insurance contributions you've made during your working life, whether or not you were paying into the state second pension , and the year you qualified for the state pension.
You can find out the exact amounts in our guide How much state pension will I get? The state pension age is changing. Currently 66 for men and women, it will rise to 67 between and and thereafter to You can find out your state pension age using our state pension age calculator. And for more on how the government helps fund your pension, visit our guide, your state pension and benefits. Pension credit tops up the state pension for people who are on a low income.
You can apply for Pension Credit by calling the Pension Service on 99 Once you've reached state pension age, you no longer pay National Insurance, even if you're still working. This can see a significant cut in your annual tax bill. You can find out more in our guide to National Insurance rates. Use our income tax calculator to work out your bill.
National Insurance only applies to employment income - so if you retire before state pension age , and you only earn an income from pensions, you won't have to pay National Insurance. It installs security systems and fits smoke alarms, to make you feel safer. Retirees get it automatically if they receive the state pension or certain other benefits.
Previously, the qualifying age to receive it was 60, but from this started to rise in line with the increasing state pension age for women. The qualifying week for winter to is 21 to 27 September While in Wales, Scotland, Northern Ireland and London you can get a pass for free travel when you reach 60, in the remainder of England you usually only become eligible for one when you reach state pension age.
Concessionary travel also allows some free travel on trains and ferries in Wales and Scotland under the National Entitlement Card respectively from age The Senior Railcard, available to travellers aged 60 or over, is a widely-held retirement perk. You need to be 60 years old to apply.
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