Dec 2024
Winter Fuel Payments are designed to help with the higher energy bills in the colder months, and for those on a tight budget, these costs can be daunting. If you’re a pensioner or supporting someone who is, understanding Pension Credit and Winter Fuel Payments can make a big difference.
If you have higher utility bills because of an illness or disability it is also worth contacting your utility company to ask for a vulnerable person discount.
Here’s a straightforward guide to help you navigate these benefits, check your eligibility, and ensure you’re not missing out.
What is the Winter Fuel Payment?
The Winter Fuel Payment is a tax-free annual payment to help pensioners who are in receipt of a qualifying means tested benefit, to cover heating costs during the colder months.
Who Can Get It?
You qualify if:
- You were born on or before September 24, 1957.
- You lived in the UK during the “qualifying week” (September 18–24, 2023, for winter 2023/24).
Pensioners need to be entitled to Pension Credit for at least one day in the week 16th to 22nd September to be eligible for a Winter Fuel Payment for this winter.
21st December 2024 is the last date for backdating a claim for Pension Credit to 22nd September, assuming the claimant met the Pension Credit entitlement conditions throughout the previous three months.
What is Pension Credit?
Pension Credit is a means-tested benefit designed to top up income for people over State Pension age. It ensures retirees have enough to cover basic living costs.
Why Apply for Pension Credit?
- Even a small award can unlock other entitlements, including free NHS dental care, Winter fuel payment, cold weather payments, and help with housing costs/Council tax.
- Many eligible people miss out because they assume they won’t qualify
Pensioners need to be entitled to Pension Credit for at least one day in the week 16th to 22nd September to be eligible for a Winter Fuel Payment for this winter.
21st December is the last date for backdating a claim for Pension Credit to 22nd September, assuming the claimant met the Pension Credit entitlement conditions throughout the previous three months
How Much Will You Receive?
Payments vary based on your age and household situation:
- £250–£600 per household.
- The exact amount depends on factors such as whether you live alone or receive certain benefits.
Good news: This winter, the Winter Fuel Payment includes a £150 cost-of-living payment for eligible pensioners.
How to Claim the Winter Fuel Payment
Most people receive this automatically if they’re eligible, but you may need to claim if:
- It’s your first time qualifying.
- You didn’t receive it previously and think you should have.
👉 Claim here: Winter Fuel Payment Guidance.
Who is Eligible for Pension Credit?
To qualify, you must:
- Be State Pension age
- Have a low income or limited savings.
Guarantee Credit
This means tested benefit is a low income ‘top up’. How much you receive will depend on your circumstances, and requires a financial assessment.
Savings Credit
An extra amount for those who saved towards their retirement. This is available only if you reached State Pension age before April 6, 2016.
👉 Check your eligibility and apply here: Pension Credit Online.
Additional Help for Cold Weather
If you’re on Pension Credit, you may also qualify for:
- Cold Weather Payments: £25 for each 7-day period of very cold weather between November and March.
- Warm Home Discount: A one-off £150 discount on electricity bills for low-income households.
Don’t Miss Out – Take Action Today
Many people don’t realize they’re eligible for Pension Credit or Winter Fuel Payments, leaving valuable support unclaimed.
At Care Navigators, we can:
- Help you check your entitlement.
- Guide you through the application process.
- Answer any questions about related benefits.
Start Your Journey
Contact us today for expert advice and support. Let us help you access the benefits you’re entitled to and stay warm this winter.
