In July 2025, the UK government is offering an impressive package of financial help for pensioners—11 benefits and entitlements that could be worth up to £8,718 a year. The Department for Work and Pensions (DWP) wants to ensure older citizens, especially those with low or modest incomes, get the support they need to manage rising living costs. But here’s the catch: many eligible pensioners aren’t claiming these benefits. This guide breaks it all down—what’s available, who qualifies, and how to claim.
Overview
Here’s a quick summary of the benefits available this July:
| Benefit Name | Annual Value | Eligibility |
|---|---|---|
| Pension Credit | Up to £3,900 | Income under £218.15 (single) or £332.95 (couple) |
| Free TV Licence | £169.50 | Over 75 + Pension Credit |
| Winter Fuel Payment | £250–£600 | Born before 25 Sept 1958 |
| Cold Weather Payment | £25 per 7 days | Cold weather + qualifying benefit |
| Free NHS Prescriptions | Variable | Over 60 in England |
| Free NHS Dental Treatment | Variable | Receiving Pension Credit |
| Free Eye Tests and Glasses | Variable | Over 60; extra help with benefits |
| Warm Home Discount | £150 | On low income or qualifying benefits |
| Council Tax Reduction | Up to £1,000+ | Based on income, savings, and local rules |
| Housing Benefit | Variable | Low-income renters |
| Support for Mortgage Interest | Variable | Homeowners on certain benefits |
Context
Why do these freebies matter now more than ever? With inflation squeezing every pound and energy prices still biting, pensioners—especially those living alone or dealing with health issues—are among the hardest hit. While the full new state pension is £230.25 per week (around £11,973 per year), that doesn’t stretch as far as it used to.
These 11 entitlements are designed to relieve pressure, covering essentials like heating, housing, and healthcare.
Benefits
Let’s break down each benefit you could be claiming.
Pension Credit
Often overlooked but incredibly valuable. If your income is below £218.15 per week (single) or £332.95 (couple), Pension Credit can top it up. It may also unlock other entitlements.
Tip: Apply even if you’re slightly over the threshold—you might still qualify for Savings Credit.
Free TV Licence
If you’re 75 or older and receive Pension Credit, the £169.50 TV licence is completely free. It’s applied automatically once your claim is approved.
Winter Fuel Payment
Between £250 and £600, depending on age and household situation. It’s typically paid automatically if you’re receiving the state pension.
Cold Weather Payment
Get £25 for every 7-day period the temperature drops below zero in your area. Must be receiving certain benefits like Pension Credit.
Free NHS Prescriptions
If you’re over 60 and living in England, your NHS prescriptions are free. That’s a major saving if you rely on regular medication.
Free NHS Dental Treatment
Those on Pension Credit can get dental exams, fillings, and dentures free through the NHS.
Free Eye Tests and Glasses
Eye exams are free for anyone over 60. If you receive additional benefits, you might get help with glasses too.
Warm Home Discount
A one-off £150 payment applied to your electricity bill between October and March. Apply through your energy provider.
Council Tax Reduction
You could cut your bill by hundreds—or even eliminate it altogether—depending on income, savings, and household makeup.
Housing Benefit
If you’re renting and on a low income, this benefit can help cover part or all of your rent.
Support for Mortgage Interest (SMI)
Not free money, but a repayable loan to cover mortgage interest or home repair loans. Still, it’s helpful to reduce monthly costs.
Case
Take Mary, a 78-year-old from Liverpool. Living alone on her state pension, she wasn’t aware of her full entitlements until she visited her local Citizens Advice Bureau. Now, she receives:
- £80/week extra through Pension Credit
- A free TV licence
- Free prescriptions and dental care
- £600 winter fuel support
- Council tax reduction worth £900
- Partial Housing Benefit
Altogether, Mary is saving over £7,200 each year.
Support
Family members, caregivers, and professionals like financial advisors can make a huge difference by helping pensioners access these benefits. Here’s how:
- Use benefit check tools like the Entitledto calculator
- Help with paperwork or phone applications
- Contact local council benefit teams
- Assist pensioners who struggle with reading or using the internet
Apply
Want to see what you’re eligible for and how to apply?
Use Online Tools:
Call DWP Direct:
- Pension Credit Helpline: 0800 99 1234
Visit Local Support Centres:
- Citizens Advice
- Your local council office
Have These Ready:
- Bank statements
- Pension details
- Rent/mortgage info
- ID and proof of income
The government is offering real help this year. But none of it matters if you don’t claim what you’re owed. If you or someone you love is retired, now’s the time to make that call, check online, or get help from a professional.
FAQs
How much is Pension Credit worth?
Up to £3,900 per year based on income.
Is the TV licence free for all over 75s?
Only if receiving Pension Credit.
How do I get Winter Fuel Payment?
It’s automatic if you get the state pension.
Can I get dental treatment free?
Yes, if you receive Pension Credit.
Where can I apply for Council Tax help?
Through your local council’s website or office.
