Pensions Credit Helpline Phone Number

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0844 826 0687

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Pensions Credit

Why Would I Need to Call the Pensions Credit Helpline Number?

The Pensions Credit Helpline can be called if:

  • You need to make a new claim or follow up a pending claim
  • Your pension income has changed
  • You need to report a change in circumstances that could affect your Pension Credit
  • You need help with understanding Pension Credit and whether you are eligible
  • You want to know the basic rate of State Pension or what happens if you retire abroad
  • You have had a missed payment of Pension Credit.

Pensions Credit Telephone Numbers

Department Contact Number
Pensions Credit Helpline 0844 826 0687
Pensions Claims 0844 826 0687

Pensions Credit Telephone Line Opening Times

Department Contact Number
Monday to Friday 8am – 6pm (08:00 – 18:00)
Weekends and Holidays CLOSED

 Pensions Credit Head Office Postal Address

Department Address
Pensions Credit Head Office HM Revenue and Customs
Chillingham House
Benton Park View
NE98 1ZZ
United Kingdom

Common Queries About Pensions

How do I know if I am eligible to receive Pensions Credit?

  • Pensions Credit is for people who have reached the State Pension qualifying age and live in Great Britain. It is made up of Guarantee Credit and Savings Credit.
  • To receive Savings Credit, you or your partner must be aged 65 or over and have saved some money towards your retirement during working life. It can be paid to couples that are either married or living together – you do not require a marriage or civil partnership.
  • The qualifying age for Pension Credit is expected to rise to 66 years in line with the increase of the State Pension age for men and women also to 66.
  • There are pension credit calculators that are available online to help you discover what you are entitled to.
  • Guarantee credit is based on income and will top up how much you receive if you are earning below £155.60 per week for a single person or 237.55 as a couple. If you have saved money you will also receive savings credit which is an extra payment if you have saved towards your retirement.
  • There is no tax payment required for pension credit.

    Pension Credit Applicants

  • On the 6th April 2016, things changed slightly and you now may not be eligible to receive savings credit if you have reached state pension age. You will still be eligible for it if you are in a couple and one of you had turned state pension age before the 6th April 2016 and also if you were currently receiving it, your payments will not be stopped. You are classed as in a couple if you live with your -partner, husband/wife, boyfriend/girlfriend and are not required to be married to receive the benefits.
  • Guarantee credit works slightly differently, and the requirements mean that you must live in Britain and you and your partner must be 65 or over. Guaranteed credit basically does what it says on the tin, and you are guaranteed to receive it, whereas savings is additional.

How much will I receive?

  • Single people will be entitled to a Guarantee Credit top up of up to £148.35 per week, whilst couples can get a top up of up to £226.50. Savings Credit is up to £16.80 for singles and £20.70 per week for couples.
  • When you apply for Pension Credit, how much you receive will depend on your State Pension income, other pensions you may receive; any social security benefits you may receive; any savings or investments over £10,000, and other earnings.
  • Your Pension Credit may increase if you are a carer, severely disabled or have housing costs that accumulate to a certain amount. You may also be eligible for other benefits too.
Applying for Pensions Credit

Don’t delay in applying for Pensions Credit

What if my circumstances change?

  • If your circumstances change for whatever reason, your must inform the Pensions Credit Helpline right away as this could affect how much you are paid. Do this by calling the Pensions Credit Helpline phone number.
  • If you’re registered for Self Assessment, you must tell the Pension Service how much Income Tax you expect to pay for the current tax year, as this could also affect your Pension Credit.
  • If you decide to retire abroad, you can still claim your State Pension but will not be eligible for Pension Credit. You can check your eligibility for State Pension abroad including how to claim by visiting the website > State Pension.

What is the state pension age?

You state pension age differs depending on your age now, what your date of birth is and whether you are a man or a woman. At the moment, state pension age is 65 but this is increasing yearly and by October 2020 will increase for both men and women to 66. Because the state pension age is on the rise, the state pension age calculator will enable you to get a rough estimate of how old you will need to be to receive pension credit. The exact date you begin to receive your pension will all depend on the year you were born. For example anyone aged between 22 and 23 at the moment will most likely be 68 when receiving their pension credit, although this is subject to change.

As well as reaching state pension age, you must also work in the UK and have made at least 30 years worth of national insurance contributions or have been credited with them from the government.

What am I entitled to if I am a carer?

There are certain benefits available to carer’s of pension age that go beyond the standard pension credit. Whilst you may have been receiving a Carer’s Allowance, it is not possible to receive both the full amount of a Carer’s Allowance and Pension credit at the same time as this is then classed as overlapping benefits. However, if your Carer’s Allowance is less than pension credit (£62.10 per week) you can make up the amount you would receive for pension credit, in Carer’s Allowance. However, if your pension credit is higher than your Carer’s Allowance, then you will not be entitled in receiving Carer’s Allowance. It is still worth putting forward a claim as you technically still have an underlying entitlement, so there is definitely no harm in claiming.


Pension Credit: Extra Information

You can see how much Pension Credit you are eligible for by using the Pension Credit Calculator on the website, or by calling the Pension Credit Helpline and discussing your circumstances. Bear in mind you cannot use this tool if you live in a care home, or if you or your partner are deferring your State Pension. In this case you will need to call the Pension Credit Helpline phone number.


You can also check how much State Pension income you will be entitled to by visiting the Basic State Pension page on

You can find out more information on Pension Credit or get face-to-face advice by booking an appointment at your local Service Information Point.

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