Most pensioners are owed money they've never been told about. Find yours now.
Nearly 910,000 UK households are missing Pension Credit — an average of £4,300 a year — simply because no one told them to apply. Add Housing Benefit, Council Tax Reduction, Attendance Allowance, and the real figure is far higher. Our free check takes two minutes.
Research by the DWP and independent policy groups consistently finds the same barriers. None of them reflect on you — they reflect on how difficult the system is to navigate.
Nobody tells you what you qualify for
Your State Pension is paid automatically. Almost everything else must be actively claimed. The government does not send letters telling you what you're owed — you have to know to ask.
Eligibility rules are hard to follow
Whether you qualify can depend on your income, savings, housing, health and caring responsibilities — all at once. Most people don't know where to start, so they don't.
"It's not for people like me"
This is the most common reason people give for not checking. But Pension Credit and Attendance Allowance are not charity — they are legal entitlements you've already paid into the system to receive.
The process feels overwhelming
Long phone queues, confusing forms, not knowing if you'll be turned down. Most people who would qualify simply don't get started because the process looks harder than it is.
The benefits most often left on the table
These are the entitlements most commonly missed by UK pensioners. Several are linked — successfully claiming one can automatically open the door to others.
Pension Credit
Tops up your weekly income if you have reached State Pension age and are on a low income. Worth on average £4,300/year to those who claim it — yet nearly a million families miss out.
Average award: £4,300/year
Gateway benefit — unlocks multiple others
Attendance Allowance
For people over State Pension age who need help with personal care due to illness or disability.
Up to £5,959/year
Council Tax Reduction
If you receive Pension Credit, you may qualify for a full Council Tax Reduction. Even without Pension Credit, local schemes offer significant reductions based on income. Apply through your local council.
Up to £2,000/year
Carer's Allowance
If you provide at least 35 hours of care per week to someone who receives a qualifying disability benefit, you may be entitled to Carer's Allowance, subject to earnings limits.
£4,495/year (2026/27 rate)
Warm Home Discount
A £150 annual reduction on your electricity bill. If you receive Pension Credit, it is applied automatically. Other eligible pensioners may need to apply through their supplier.
£150/year
Free NHS Dental & Eye Tests
If you're on Pension Credit, you receive free NHS dental treatment, eye tests, and a voucher towards glasses.
£200+/year value
Free Benefits Check
Answer 7 quick questions. We'll show you which benefits you may be entitled to and an estimated annual amount.
Step 1 of 7Takes ~2 minutes
Question 1 of 7
Who are we checking benefits for?
We'll tailor your results to the right circumstances.
Question 2 of 7
How old are you?
State Pension age (currently 66) affects which benefits you can claim.
Question 3 of 7
What is your approximate weekly income?
Include your State Pension, any private/work pension, and any employment earnings.
Question 4 of 7
How much do you have in savings and investments?
Include bank accounts, ISAs, NS&I bonds. Your home and pension pot don't count.
Question 5 of 7
What is your housing situation?
Housing costs affect several benefits, including Council Tax Reduction and Housing Benefit.
Question 6 of 7
Do you have any health conditions or caring responsibilities?
This helps us identify Attendance Allowance and Carer's Allowance eligibility.
Question 7 of 7 — almost there!
What benefits do you currently receive?
This helps us focus on gaps rather than benefits you already have.
Your estimated annual entitlement
in benefits you may be missing
Based on your answers. These are estimates — actual amounts depend on a full assessment by the DWP.
Good to know: Pension Credit claims can be backdated up to 3 months from the date you apply. Attendance Allowance starts from the date your claim is received — so the sooner you apply, the sooner payments begin.
Book your free 20-minute consultation
One of our advisers will go through your full entitlements with you — no forms, no obligation, just clarity on what you're owed and how to claim it.
About this service: RewardClaim is a private lead generation service (Financial Benefit Consultants Ltd, Co. No. 16132991). We are not the DWP or a government agency. Your details will be used to arrange a callback from a specialist adviser.
How it works
Three simple steps from check to claim
1
Take the free check
Our 7-question quiz gives you a personalised estimate of the benefits you may be entitled to — based on your actual circumstances, not generic advice.
2
Speak to an adviser
A specialist benefits adviser calls you at a time that suits you. We go through everything in detail and confirm your eligibility for each benefit.
3
We guide your claim
We help you prepare everything needed to make your claim. You deal directly with the DWP — we're there to make sure you get it right, first time.
Example entitlement calculations
Based on published DWP benefit rates for 2025/26. Actual entitlements depend on individual circumstances.
Situation A
Single pensioner, low income
State Pension income of £175/week. Pension Credit threshold: £238.00/week (2026/27). Potential top-up: ~£63/week, plus gateway entitlements — Council Tax Reduction, Warm Home Discount and Winter Fuel Payment.
Estimated combined value: £3,500 – £5,000/year
Source: DWP Pension Credit rates 2026/27, gov.uk
Situation B
Pensioner with a health condition
Over State Pension age and needing help with personal care due to illness or disability. Attendance Allowance is not means-tested — income and savings do not affect eligibility. Higher rate: £114.60/week where care is needed day and night.
Where one partner receives Attendance Allowance, the other may qualify for Carer's Allowance (£86.45/week, subject to earnings limit of £204/week net). Caring responsibilities can also increase Pension Credit through the carer addition.
Up to 910,000 families entitled to Pension Credit alone did not claim it last year, according to DWP figures. The check takes 2 minutes and costs nothing.
No obligation. We call you. Pension Credit can be backdated up to 3 months.
Why trust RewardClaim?
Companies House Registered
Financial Benefit Consultants Ltd · No. 16132991 · England & Wales
GDPR Compliant
Your data is protected. We never sell your information and only contact you with your consent.
No Obligation
The check is completely free. Our initial consultation is free. You decide if you want further help.
Personal Guidance
A specialist adviser calls you at a time that suits you and walks through your full entitlements, step by step.
Frequently asked questions
Yes. The benefits check and the initial consultation call are completely free with no obligation. You decide whether you want additional assistance after the call. We explain any costs clearly before you proceed.
Absolutely. Benefit rules change every year, and eligibility changes as circumstances change. Many people who were turned down in the past now qualify. Attendance Allowance and Pension Credit eligibility in particular often changes as health and income change over time. You can make a new claim every year even after a previous rejection.
Not necessarily. Attendance Allowance has no savings limit. For Pension Credit, savings under £10,000 are disregarded entirely. Between £10,000 and £16,000, savings reduce your entitlement gradually. Above £16,000 they affect means-tested benefits — but non-means-tested benefits like Attendance Allowance are unaffected.
Pension Credit typically takes 4–6 weeks to process and can be backdated up to 3 months from the date of your application — meaning if you qualify, you may receive a lump sum for the backdated period. Attendance Allowance decisions usually arrive within 12 weeks, but payments can only start from the date your claim is received (or from the date you called the helpline, if you return the form within 6 weeks). There is no backdating on Attendance Allowance, so it is important to apply without delay.
Claiming Pension Credit can unlock additional entitlements — this is why it is referred to as a "gateway benefit". Once you receive Pension Credit, you may also qualify for: a Council Tax Reduction (potentially up to 100%), Housing Benefit (if renting), free NHS dental treatment and eye tests, glasses vouchers, the Warm Home Discount (£150, applied automatically), Winter Fuel Payment, Cold Weather Payments, and a free TV licence if you are 75 or over. Our adviser will explain which of these apply in your specific situation.
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