Are you nearing State Pension age?

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We’ve recently supported a number of residents who had reached State Pension age (SPA) but hadn’t received their State Pension. However, their Universal Credit (UC) had stopped, leaving them with no money.

It’s important to note that you won’t receive your State Pension automatically. Around four months before you reach SPA, you should get an invitation letter from the Pension Service, explaining how to claim your State Pension.

If you haven’t received an invitation letter with two months to go, call the Pension Service on 0800 731 7898.

You can claim your pension online, over the phone or by post. You’ll need to provide your National Insurance number when you make a claim, and you may need to provide evidence of your date of birth.

Don’t worry if you didn’t claim for your State Pension in time, as you can request to have it backdated. The maximum period of backdating is 12 months.

For more information about State Pension, visit this website.

Pension Credit is separate from your State Pension and gives you extra money to help with your living costs if you’re over SPA and you have a low income. Pension Credit can also help with housing costs such as ground rent or service charges.

You might get extra help if you’re a carer, severely disabled, or responsible for a child or young person.

You can check your entitlement using the Age UK benefits calculator.

If you have a partner who is under SPA then you are referred to as a mixed age couple and your UC will remain open (until both of you are over SPA), but the amount of your State Pension will be deducted in full from any UC entitlement each month.

If you receive your housing element as part of your UC, this will stop, and you will need to apply for Housing Benefit. Find out more on how to claim it here.

If you have any questions or would like our support with claiming your State Pension or State Pension Credit, please get in touch with our Money Support Team. You can contact us by emailing info@tch.org.uk or by calling 01892 501480.

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