Pensioners in the UK who are living with long-term health conditions are being urged to reach out for help they might not realise they’re entitled to. Independent Age, a leading charity for older people, is encouraging pensioners to check if they can claim extra financial support, including benefits, Council Tax reductions, and help with care needs.
If you’ve recently been diagnosed with a chronic condition, or have been living with one for years, the support could make a big difference in your daily life. The charity has also launched a new online resource to help people claim what they’re due as they reach State Pension age.
Support
Life with a health condition can be tough, especially if it limits your ability to carry out everyday tasks. But there’s help out there.
Independent Age wants people to know they don’t have to struggle alone. From benefit claims to care planning, their resources are designed to simplify what can often feel like an overwhelming process. You can access their full guide online, download it, listen to it, or even request a free printed copy.
Assessment
If you’re finding it hard to manage daily activities like bathing, dressing, or taking medication, a care needs assessment from your local council could help. This might unlock services like:
- Meals on wheels
- In-home care workers
- Equipment or home modifications
To get started, contact your council’s adult social care team. They’ll explain what support is available and how you can apply. Independent Age provides clear guidance on this process through their website as well.
Benefits
Many older people are missing out on money they’re eligible to receive. Even if you think you’ve claimed everything, it’s worth double-checking.
A free, confidential benefits calculator can help you identify what you qualify for. You’ll get a personalised report with everything laid out clearly. This can help you access hundreds or even thousands of pounds in unclaimed support.
Two key benefits to know about:
1. Pension Credit
This is an income-related benefit that boosts your income if it falls below a certain level.
- Raises income to at least £227.10 per week for single people
- Or £346.60 per week for couples
- Worth an average of £4,300 per year
- Could unlock extra support like Housing Benefit or a free TV licence
Even if you qualify for just £1 a week, it opens the door to other financial help. You can check your eligibility using the online Pension Credit calculator or by calling the helpline at 0800 99 1234.
2. Attendance Allowance
This benefit supports those over State Pension age with health conditions or disabilities that require care or supervision.
- Up to £441.60 per month
- Worth over £5,700 per year
- Not means-tested, tax-free, and won’t affect other benefits
- Available even if you’re still working
You don’t need to be receiving care to claim — just needing help or supervision counts. And it covers both physical and mental health conditions, including sensory issues, learning difficulties, or mobility problems.
| Benefit | Max Annual Value (2025/26) |
|---|---|
| Pension Credit | £4,300 |
| Attendance Allowance | £5,740.80 |
| Combined Total | Up to £10,040.80 |
Mixed
If you’re in a mixed-age couple (where one partner is above State Pension age and the other isn’t), the rules changed in 2019. You now need to wait until both partners reach State Pension age to claim Pension Credit or Housing Benefit under pension-age rules. This may affect when and how you apply.
Extras
Claiming Pension Credit can also unlock a wide range of additional help, such as:
- Housing Benefit or help with rent
- Council Tax discounts
- Support for Mortgage Interest (if you own your home)
- Free TV licence (if you’re over 75)
- Help with NHS dental, glasses, and travel costs
- Warm Home Discount on your energy bill
- Discount on mail redirection if you’re moving
Applying
To apply for Attendance Allowance, you’ll need to fill out a detailed claim form. It can be lengthy, but don’t let that put you off — you can get help from Citizens Advice, Age UK, or Independent Age to complete it correctly.
You’re eligible if you need help with personal tasks or feel pain, take a long time, or need supervision for safety. This includes help with:
- Getting dressed or undressed
- Eating and drinking
- Moving in and out of bed
- Washing or using the toilet
- Staying safe, especially at night
Even if you’re not currently receiving help, you can still claim if you need it. Attendance Allowance isn’t just for physical conditions — it also supports people with mental health problems, learning disabilities, or sensory impairments like being blind or deaf.
Too many people miss out because they assume they won’t qualify. But with just a quick check or phone call, you could discover thousands in unclaimed financial support. Independent Age and other organisations are ready to help guide you through every step.
FAQs
What is Pension Credit worth in 2025/26?
Up to £4,300 a year for low-income pensioners.
Who can claim Attendance Allowance?
Anyone over pension age with a disability or illness.
Is Attendance Allowance means-tested?
No, it’s not based on income or savings.
How do I get a care needs assessment?
Contact your local council’s adult social care team.
Can I get help to apply for benefits?
Yes, charities like Independent Age offer free advice.
