State pension claimants are urged to check if they are eligible for a weekly payout boost of up to £182


Millions of people across the UK who receive state pension payments could miss an extra £182 a week.

The latest figures from the Department for Work and Pensions (DWP) show that more than 1.9million older people are receiving less than £100 a week in state pensions and just under 1.5million of these are women.

However, Helen Morrissey, senior pensions and retirement analyst at Hargreaves Lansdown, has warned that at least some of those receiving the lowest state pension payments could miss out on a DWP benefit worth more than £3,300 each year in financial support, discounts and other benefits. , reports the Daily Record.

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Ms Morrissey said: ‘At least some of them could be helped by applying for pension credit, a benefit designed to supplement the income of the poorest pensioners which also acts as a gateway to other benefits such as assistance at NHS costs and a free TV. license for over 75s.

“The UK Government staged a day of action in June to raise awareness of this vastly under-claimed benefit to help more people access this extra money. We hope to see an increase in claimants when the next batch data will be published.

Five ways to boost your state pension payments

Helen Morrissey shares her top five tips to help boost your finances before and after you reach state retirement age.

Claim a pension credit

If you are over state pension age and on a low income, you should check if you are eligible for pension credit – use the handy online calculator at GOV.UK here.

Pension Credit tops up your weekly income to £182.60 if you are single and £278.70 of joint income if you have a partner.

It may also entitle you to other benefits such as assistance with the payment of council tax and a free TV license for people over 75.

Check your state pension predictions

Go online and check your state pension entitlements on the ‘Check your state pension forecast’ page on the GOV.UK website here.

It will also tell you your state pension age – when you can officially retire and start collecting payments.

Applying for family allowances

Women in particular are deprived of valuable state pension credits when they are at home caring for children. However, if they apply for Child Benefit, they will receive National Insurance credits which count towards their state pension.

Many women did not take advantage of this in the past because their husbands claimed child benefits rather than themselves.

Others did not participate when they gave up child benefits after the introduction of the tax on benefits for high-income children. If you apply for Child Benefit on your behalf, you will get National Insurance credit for your state pension.

Specified Adult Child Care Credit

Are you under the legal retirement age and looking after a family member under the age of 12 while their parent or primary carer returns to work?

If so, you may be eligible for National Insurance credits under the specified adult child care credit, because the working parent is essentially transferring their NI credit to you.

There are other situations where you receive benefits and you can still claim National Insurance credits. For example, if you are off work due to statutory sickness benefit. It is always worth checking if you can qualify.

Buy National Insurance Credits

If you can save money, you can fill in the gaps in your National Insurance record by buying Class 3 NI Voluntary Contributions.

Buying a full extra year costs around £800, but it’s worth checking with DWP before doing so to make sure you’ll benefit from the extra contributions.



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