DWP £346.60 Pension Credit: extra help for couples receiving the State Pension in 2025 The ever-increasing inflation in the UK has made life difficult for millions of elderly people. The expenses on food, rent, electricity and medicines are increasing day by day. In such a situation, the Department for Work and Pensions (DWP) has taken a commendable step and increased the amount given under pension credit from April 2025. This is a sigh of relief especially for those couples who are dependent on state pension. According to this update, eligible couples can now receive support of up to £346.60 per week.
What is pension credit?
Pension Credit is a means-tested benefit that was introduced to provide financial assistance to retirees with low or limited income. It is not available automatically, so the elderly who need it have to apply themselves. Its purpose is to ensure that no pensioner lives on less than the minimum guaranteed income.
Why is the government running an awareness campaign?
Although this assistance is very important and useful, millions of elderly people are not taking it. The DWP estimates that many older people do not apply for pension credit even though they are eligible because they are not aware of it or think they are not eligible. In 2025, the Government has decided to send letters to 11 million state pension recipients, including a special information leaflet with information on pension credit. Its objective is that as many eligible pensioners as possible should take advantage of it.
What are the benefits of taking Pension Credit?
- Not just an increase in income, seniors receiving pension credit also get a number of other benefits:
- Free TV license for those above 75 years
- Help with NHS expenses: free medicines, dental treatment and glasses
- Winter Fuel Payments: assistance with winter heating costs
- Council tax concession: additional support possible at local level
- All these benefits have a direct impact on the daily needs of the elderly, and improve their quality of life.
- State pension rates also increased
Who can apply?
- If you want to apply for Pension Credit, you must meet the following conditions:
- Residence in England, Scotland or Wales
- Must have reached State Pension age
- Income and savings are within the limits set by the government
You can apply:
- Online (via the GOV.UK website)
- By phone
- By filling in a form via the post
- The DWP support team is available to help those in need.
Don’t have savings and you’re getting benefits?
This is a common misconception. If your savings are less than £10,000, it has no effect. For savings above £10,000, every £500 is treated as £1 of income. This doesn’t mean you will be kicked out completely – your support amount may be reduced slightly.The future of the triple lock policy triple lock policy ensures that pension rates rise each year based on the highest of three factors.
- Inflation
- Average pay rise
- Minimum 2.5%
- Some financial experts believe the policy may need to be changed to make it more sustainable, such as increasing based on a three-year average rate.
Conclusion:
The DWP’s decision to increase the amount of Pension Credit to £346.60 per week in 2025 is not just a figure, but a sign of the government’s respect and responsibility to older couples who have worked their whole lives for society and the country. In today’s times when living is becoming difficult, this assistance is not only a financial support for the elderly, but it also gives them the opportunity to live a self-reliant and dignified life. If you or a senior citizen in your family is eligible for this scheme, do not delay. One small step – like applying on GOV.UK or contacting the DWP helpline – can secure your future. The scheme is not limited to just money, but additional facilities like NHS support, council tax exemption and winter payments help the elderly to lead a stable and comfortable life.So share information today, check eligibility and make full use of this important benefit for yourself or your loved ones. The government has extended a helping hand – now it’s your turn to hold it.
FAQs
Q.1 Is Pension Credit automatic?
A. No, you have to apply for it.
Q.2 Do you get other benefits once you get Pension Credit?
A. Yes, you get added benefits such as NHS support, TV licence, council tax discount etc.
Q.3 Are homeowners eligible?
A. Yes, being a homeowner does not affect eligibility
Q.4 Where to apply?
A. You can apply online, by phone or by post.
Q.5 What if my income or circumstances change?
A. Let the DWP know immediately so your amount can be changed.
