Benefits

The benefits system is designed to make sure that there is a minimum standard of living for everyone and My Advice Gateway provides information on how benefits are claimed and paid.

Details of planned changes to the benefit system can be found at here.

An A-Z of the Benefits System is available from GOV.UK and further information is available at CitizensAdvice, Turn2us, AgeUK and MoneyAdviceService.

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Pensions

Pensions

STATE PENSION

The State Pension gives you a regular income for the rest of your life. You can claim it when you reach State Pension age. However, you need to have paid enough National Insurance contributions in order to be paid the full State Pension.

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Pensions

ADDITIONAL STATE PENSION (SECOND STATE PENSION)

The Additional State Pension is paid on top of the basic State Pension and is based on earnings. Known as State Second Pension (S2P) it was originally known as the State Earnings Related Pension Scheme (SERPS).

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Pensions

PENSION CREDIT

There are two different types of Pension Credit – Guarantee Credit and Savings Credit. You may be eligible to receive one or both of them depending on your individual circumstances. You may receive more if you are disabled, have caring responsibilities or certain housing costs, such as mortgage interest payments.

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Pensions

WINTER FUEL PAYMENT

If you were born before July 5, 1951, then you may qualify for the tax-free Winter Fuel Payment to help pay for your heating. You only need to claim once. After that you will automatically receive Winter Fuel Payment each year.

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Pensions

TELEVISION LICENCE CONCESSIONS

In August 2020, the BBC introduced a new scheme that offers some over 75 households a free TV Licence.

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