
People reaching State Pension age can no longer claim these benefits
Some people may not be aware of benefits or payments which can no longer be claimed after reaching retirement age.
The latest figures from the Department for Work and Pensions (DWP) show the State Pension is now providing essential financial support for 13 million people across Great Britain, including more than one million living in Scotland.
This regular payment is now worth up to £230.25 per week for those on the New State Pension (claimed after April 6, 2016), or £176.45 each week for the Basic State Pension (Category A or B).
How much someone receives from the contributory benefit depends on the number of National Insurance years they have accrued before reaching the current retirement age of 66 - you need at least 10 to qualify for any State Pension payment.
For older people approaching the official age of retirement at some point this year, it's important to know which benefits will continue, new ones you may now qualify for and those you can no longer make a new claim for.
Your State Pension age is the same as your Pension Credit qualifying age unless you are a man born before December 6, 1953. You can check your State Pension age and whether you can start claiming Pension Credit on the 'Check your State Pension age' page of the GOV.UK website here.
Benefits affected by your pension age
Turn2us has created an essential guide to the benefits you cannot claim from the Department for Work and Pensions (DWP) when you reach State Pension age or Pension Credit age. For full details on each of the topics listed below, visit the Turn2us website here.
Pension Credit age
When you reach State Pension age you can no longer claim:
Income-based Jobseeker's Allowance
Income-related Employment and Support Allowance (ESA)
Income Support
Universal Credit
Turn2us advises: "If you live with a partner and one of you is pension age and the other is not yet pension age, benefit entitlement can be complicated."
State Pension age
When you reach State Pension age you can no longer claim:
Jobseeker's Allowance (JSA)
Contributory/New Style Employment and Support Allowance (ESA)
You cannot make a new claim for Disability Living Allowance (DLA), Personal Independence Payment (PIP) or Adult Disability Payment (ADP) - the devolved disability benefit has now replaced all new claims for PIP for people in Scotland - once you have reached State Pension age.
However, if you were already receiving DLA, PIP, or ADP you can renew the claim even though you are over State Pension age. This can only be done as long as you are claiming for the same health conditions you received the award for and your last claim ended less than 12 months before you reached State Pension age.
People living in Scotland currently receiving DLA or PIP will be transferred to the new devolved Social Security Scotland system before the end of this year.
Bereavement Support Payment and Widowed Parent's Allowance are also not available once you reach State Pension age.
Benefits not affected by your State Pension age
You can claim these benefits even if you are over State Pension age:
Child Benefit (delivered by HMRC)
Carer's Allowance - you may not be eligible for the full financial element depending on your income from State Pension
Guardian's Allowance
Statutory Sick Pay (SSP)
You can also claim these benefits even if you are over State Pension age, but only if you meet the benefit-specific income threshold:
Pension Credit
Housing Benefit
Council Tax Support
Support for Mortgage Interest
Help with Health Costs
Winter Heating Payment - Scotland-only
Cold Weather Payment - England and Wales only
Warm Home Discount Scheme
Winter Fuel Payment - only those over State Pension age in receipt of Pension Credit or other qualifying income-related benefits will receive the money from this year
Pension Age Winter Heating Payment - Scotland only, same qualifying rules as Winter Fuel Payment
For more details about benefits when you reach State Pension age, visit the Turn2Us website here.
Hashtags

Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles


North Wales Live
an hour ago
- North Wales Live
The State pensioners who will get an immediate Winter Fuel Payment boost
Many State pensioners were controversially stripped of their £300 Winter Fuel Payment over the winter. It came after the Government declared the benefit would be means tested but the issue has been highly contentious. It means the vast majority of State pensioners will no longer receive a £300 payment unless they claim a qualifying benefit. Since then Prime Minister Sir Keir Starmer has announced a partial reversal on the benefit, pledging to reassess the eligibility threshold to reinstate the payment to more pensioners. How this will be implemented or what the criteria might be have not yet been disclosed. This week, Chancellor of the Exchequer Rachel Reeves announced that more pensioners will receive the winter fuel allowance this year, although it still won't be universal, reports the Express. Officials haven't yet said how many more pensioners will be eligible. Chancellor Rachel Reeves said: "We have listened to the concerns that people had about the level of the means test and so we will be making changes to that. Join the North Wales Live Whatsapp community now "They will be in place so that pensioners are paid this coming winter. People should be in no doubt that the means test will increase and more people will get winter fuel payment this winter." 'Exact amount will vary depending on your birth year' However, many aren't aware that if you do qualify for the Winter Fuel Payment this year, the exact amount you receive will vary depending on your birth year and possibly other circumstances as well. The Government previously paid the Winter Fuel Payment automatically to all state pensioners, but until any changes are announced, the current rule is that you must be claiming a qualifying benefit such as Pension Credit. Those who are of state pension age but under 80, meaning they were born on or before September 22, 1958, and who qualify will receive a £200 payment. But those aged over 80 - born on September 23, 1944, or earlier - will receive £300. The amount you receive is determined by your age and circumstances during the "qualifying week" of September 16 to 22, 2024. If you missed this period, you can backdate Pension Credit claims until December, so it's still accessible now. So if you're over 80 and eligible, your Winter Fuel Payment will rise from £200 to £300. Most qualifying individuals will receive a letter detailing the amount they'll receive and the bank account in which it will be paid to, this is typically the same as the one used for your Pension Credit or other benefits. An Age UK spokesman said: "If you or your partner claims Pension Credit, Income Support, income-based Jobseeker's Allowance or income-related Employment and Support Allowance, the payment should go to the main claimant of the benefit automatically. "You should receive your payment between mid-November and Christmas. Call the Winter Fuel Payment helpline on 0800 731 0160 if you have any enquiries or you don't receive your payment."


Daily Mirror
3 hours ago
- Daily Mirror
DWP launches major pension shake-up to make 20million Brits £1,000 better off
The Department for Work and Pensions (DWP) will merge all smaller pension pots holding less than £1,000 together. This will help increase the returns on them and give Brits more money in retirement A major Department for Work and Pensions (DWP) was introduced this week and its set to boost the retirement savings by over £1,000 for over 20million Brits. Labour launched its new Pension Schemes Bill yesterday which it hopes will make pensions simpler to understand and manage. The goal of the bill is to "drive better value over the long term" to give people more money when they come to retire. The most significant part of the bill is the DWP's plan to merge smaller pension pots together. The benefits and pensions department says having multiple small pots often leads to a small return for savers. This is because they have to pay multiple flat rate charges. However, by consolidating the smaller pots into larger ones, the returns will increase. Labour says it could potentially boost retirement savings by around £1,000. The bill will merge all pension pots holding less than £1,000 together into one pot for each individual. Currently, there are around 13million pension pots which have less than a grand in them. The Bill also introduces a new system to show how well pension schemes are performing. This will cover "Defined Contribution" (DC) schemes, which are a type of private pension that you contribute to on a regular basis. The DWP says this will help savers understand whether their scheme is giving them good value. If it's not, Brits will be able to move their savings somewhere. The Bill will also require schemes to offer "clear default" options to grow pension pots for those approaching retirement. This means people will have "clearer, more secure routes to decide how they use their pension money over time." Other measures part of the bill include: Implementing new rules creating multi-employer DC scheme 'megafunds' of at least £25billion, so that "bigger and better pension schemes can drive down costs and invest in a wider range of assets" Consolidating and professionalising the Local Government Pension Scheme (LGPS), with assets held in six pools that can invest in local areas infrastructure, housing and clean energy Increased flexibility for Defined Benefit (DB) pension schemes to safely release surplus worth collectively £160billion, to support employers' investment plans and to benefit scheme members Major players within the pension sector, including Phoenix Group, NEST, Now Pensions, and Royal London, have supported the new bill. The Pensions Regulator and the Pension Protection Fund (PPF) have also welcomed the bill. Work and Pensions Secretary Liz Kendall said: "Hardworking people across the UK deserve their pensions to work as hard for them as they have worked to save, and our reforms will deliver a huge boost to future generations of pensioners. Join Money Saving Club's specialist topics For all you savvy savers and bargain hunters out there, there's a golden opportunity to stretch your pounds further. The Money Saving Club newsletter, a favourite among thousands who thrive on catching the best deals, is stepping up its game. Simply follow the link and select one or more of the following topics to get all the latest deals and advice on: Travel; Property; Pets, family and home; Personal finance; Shopping and discounts; Utilities. 'The Bill is about securing better value for savers' pensions and driving long-term investment in British businesses to boost economic growth in our country. 'As part of our Plan for Change we're helping people find work, stay in work, and ensuring that work pays them back to give them the secure income in retirement they deserve.' Chancellor of the Exchequer Rachel Reeves said: "The Bill is a game changer, delivering bigger pension pots for savers and driving £50 billion of investment directly into the UK economy– putting more money into people's pockets through the Plan for Change.' Minister for Pensions Torsten Bell added: "We are ramping up the pace of pensions reform. Workers deserve to get better bang for each buck saved, and these sweeping reforms will make sure they do. 'Pension saving is a long game, but getting this right is urgent so that millions can look forward to a higher income in retirement.'


Daily Mirror
5 hours ago
- Daily Mirror
Pension age set to change for people with certain birth dates
The State Pension age is set to rise from 66 to 67 in the coming years - and the Department for Work and Pensions (DWP) has urged people to check what the change means for them Brits born between two specific dates need to review their pension age due to upcoming changes. The Department for Work and Pensions (DWP) is urging individuals with particular birthdates to verify their State Pension timing using their online checker. With plans set to incrementally raise the State Pension age from 66 to 67 beginning next year, it's important that everyone takes note of this imminent shift. By 2028, the transition is expected to be implemented nationwide. Since 2014, there have been regulatory reforms to adjust the State Pension age, as reported by the Daily Record. Official plans are to increase it further from 67 to 68 between 2044 and 2046. An announcement on social media platform X from the DWP said: "Born between 6 April 1960 and 5 March 1961? Check today to find out what your State Pension age will be." People born on 6 April 1960 can expect to hit the current State Pension age of 66 on 6 May 2026, while those born on 5 March 1961 will see the new State Pension age of 67 on 5 February 2028. Verifying your exact State Pension age through the online service is simple and essential for retirement planning. The Department for Work and Pensions (DWP) says it is dedicated to ensuring that anyone affected by these pension age changes will be informed well in advance of the modifications taking place. Furthermore, the Pensions Act 2014 requires that the State Pension age be regularly reviewed at least once every five years. These assessments are grounded on the idea that individuals should expect to spend a certain proportion of their adult life receiving State Pension benefits, officials say. A review of the proposed increase to 68 is due before the end of this decade, initially scheduled by the previous Conservative government to occur two years after the General Election - which would have been 2026. The State Pension age review will consider life expectancy along with various other factors relevant to determining the State Pension age. Upon the report's completion, the UK Government may choose to make changes to the State Pension age. However, any proposals would need to secure approval from Parliament before becoming law. Check your State Pension age online Your State Pension age is the earliest age you can start receiving your State Pension. It may differ from the age you can get a workplace or personal pension. The online tool at allows anyone of any age to check their State Pension age, which can be a vital part of planning your retirement. You can use the State Pension age tool to check: When you will reach State Pension age Your Pension Credit qualifying age When you will be eligible for free bus travel - this is at age 60 in Scotland Check your State Pension age online here. State Pension payments 2025/26 Full New State Pension Weekly payment: £230.25 Four-weekly payment: £921 Annual amount: £11,973 Full Basic State Pension