Benefits for pensioners over 70

Benefits for pensioners over 70 (UK): what are you entitled to?

6 min read |
Alistair Clay Author

Author 16.10.2023

Alistair Clay

If you’re over 70, you’re probably wondering which benefits for pensioners over 70 (UK) you can claim.

The good news is that there’s lots you can get access to when you’re in your seventies alongside your State Pension.

If you meet specific income and care needs criteria, you may also be eligible for government benefits to help you cover costs.

This article will cover everything you need to know about benefits for pensioners over 70 (UK), plus discounts and freebies!

Here’s a summary of what we’ll cover:

  • If you’re 70 or over, you’ll be of State Pension age, so you can claim your pension and other benefits. 
  • Some benefits for pensioners over 70 in the UK are Pension Credit, Attendance Allowance, and Winter Fuel Payment.
  • You may also be able to get a Council Tax reduction, Housing Benefit and free TV Licence.
  • There are also lots of great discounts and free things you can get from 60 onwards, so don’t miss out!
Are there benefits for pensioners over 70

Are there benefits for pensioners over 70?

Yes – there are benefits for eligible pensioners over the age of 70 in England, aside from the State Pension.

None of them specifically relate to being over 70, but they may still apply to you!

We’ll cover Attendance Allowance for care needs, Pension Credit for income top up and benefits to help with living costs. 

Bear in mind that financial benefits for elderly can be different in Wales, Scotland and Northern Ireland.

What are benefits for pensioners over 70 UK based on?

Let’s take a look at the benefits on offer in a little more detail.

State Pension Age

There is no longer a default retirement age of 65 as the new State Pension age is based on when you were born. 

It is currently at 66 and will gradually rise to 67 and then 68 for those born after 5 April 1960.

There are some benefits you can only apply for if you are over the State Pension age – some replace benefits you got when you were younger. 

Cost of living support

If you were born before 25 September 1957 you could get a Winter Fuel Payment for winter 2023/2024.

This is a payment of between £250 and £600 to help you pay your heating bills. 

Your payment includes a Pensioner Cost of Living Payment amounting to between £150 and £300.

Eligibility is automatic, so you’ll get a letter in October or November saying how much you’ll get.

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Which benefits are based on age?

The only automatic age related benefit is the Winter Fuel Payment for people born before 25th September 1957. 

Otherwise, you must be over the state pension age to receive benefits, such as Attendance Allowance and Pension Credit. 

Though there are other criteria (based on income or care needs) you must also meet to be able to claim each benefit.

If you’re younger than the State Pension age, there may be equivalent benefits you can claim, like Personal Independence Payment.

What are benefits for pensioners over 70 UK based on

Which benefits are based on income?

Some benefits are only available to people who are on a low income, which means they earn below a certain amount. 

Income counts as money from your pension(s), social security benefits (eg. Carer’s Allowance) or earnings.

Benefits for pensioners over 70 on a low income provide a top up payment to individuals or couples.

Pension Credit

One low income benefit is Pension Credit, which is only available to people over State Pension age.

Pension Credit therefore replaces Universal Credit, which is for people below State Pension age. 

What do you get?

Pension Credit tops up your weekly income to £201.05 if you’re a single person, or you and your partner’s joint income to £306.85. 

You can be awarded extra amounts of money (known as Guarantee Credit) if you meet other criteria. 

For example, if you have an illness or disability and claim Attendance Allowance.

Or if you care for another adult and claim Carer’s Allowance – but check the eligibility criteria set out by the government.

Benefits for pensioners over 70 to help with care needs

Attendance Allowance

Attendance Allowance provides financial support for those over the State Pension age with an illness or disability that they require help with. 

It is not means-tested, so it isn’t based on your income – only your care needs. 

In 2023/24 you’ll get the lower rate of £68.10 per week if you need help in the day or at night.

Or the higher rate of £101.75 per week if you need help both in the day and at night.

Who is eligible?

To be eligible for Attendance Allowance you must be over the State Pension age.

And have an illness or disability that affects your day to day life, plus other criteria such as living in the UK. 

It can be spent on products and services that improve your day-to-day life living with an illness or disability. 

Carer’s Allowance

Some pensioners over 70 may find themselves as the full time carer for their partner. 

If you’re providing care for someone (who also receives benefits) for 35+ hours a week, you might be entitled to Carer’s Allowance. 

This counts as a type of income, so could affect Pension Credit and eligibility for low income schemes.

Find out more about it if you’re wondering ‘Can I claim carers allowance for myself?

Benefits for pensioners over 70 to help with care needs

Benefits for pensioners over 70 who live in care homes

When you need care in later life, the best option for you may be to move into a care home. 


You can continue to receive your State Pension and Pension Credit if you are eligible for it. 

Attendance Allowance

When it comes to Attendance Allowance, you’ll only be able to get it if you self fund the cost of care. 

If you live in a care home and your care is paid for by your Local Authority, you’ll no longer get Attendance Allowance. 

Living Costs

If you were receiving Housing Benefit, the local council needs to be aware of you moving to a care home.

Confused by the benefits system?

Financial benefits for older people

Report a change

If you receive benefits and your circumstances change (i.e. moving to a care home), you must report a change in circumstances. 

You may no longer be eligible for the benefit or you might fit the criteria to receive a different rate. 

There are consequences if you don’t report a change in circumstances and continue to receive benefits you’re not entitled to. 

So always report changes to avoid being taken to court or having to pay a fine.

Where else can you receive care and get benefits?

Another place you could receive support in later life is through care at home.

This is a popular option for people who want to stay living at home and do as much as they can independently. 

There are less restrictions on benefits you can receive if you have care or home help in your house. 

And you can get help with living costs, such as council tax reduction and the fuel payment (eligibility depending).  

If you found this guide useful then you might like to check out these guides on:

Preparing for care

Don’t delay preparing for care

If your loved one is showing signs that they need care, don’t delay getting them the right support. 

Simply enter your loved one’s care needs into the Sweet Pea Care Request and get matched with local carers in minutes. 

Whether it’s a few hours of home help or 24/7 live-in care, Sweet Pea has got you covered. 

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Alistair Clay Author

Author 16.10.2023

Alistair Clay

Alistair is a founding Director of Sweet Pea Care and the Managing Director of social care communications agency Arc Seven where he advises some of the UK’s biggest care providers.