People may suddenly find themselves hundreds of pounds overpocket overnight when they hit state pension age, but there is a solution
A number of DWP benefits cannot be claimed by people over the state pension age(Image: getty)
The state pension age does a lot more than dictate when you can first start claiming your state pension. It can make you eligible for certain new benefits and support intended for older people and retirees, while also simultaneously stripping away a range of other benefits.
This can be incredibly problematic for people who are relying on DWP support if they aren’t aware they will be losing these funds. There are some alternatives available to claim past state pension age but you will need to be proactive in applying to make sure you aren’t left out of pocket when you turn 66.
Benefits that stop at state pension age:
Universal CreditJobseeker’s AllowanceEmployment and Support AllowanceIncome SupportWorking Tax CreditNew PIP claims
Ed Gallois, Managing Director of Funeral Guide, noted that many people simply don’t know that these benefits will be “stopping overnight” and are left missing out on vital support. He said: “We regularly see people missing out on thousands because they simply don’t realise what changes overnight at State Pension age.
“The system isn’t easy to navigate. You have to ask the right questions, and sadly, too many people only discover the changes when their income suddenly drops.”
Certain benefits like PIP do have counterparts for people over the state pension age, like Attendance Allowance. Pension Credit can also take the place of Universal Credit.
There is a range of benefits only available to people over the state pension age that can help make up the deficit of other benefits that stop at 66. This includes Housing Benefit, Council Tax Reduction, Winter Fuel Payment, free NHS prescriptions, senior railcards and 60+ oyster cards.
Gallois added: “As living costs rise, knowing your rights is a lifeline, not a luxury. Even small top-ups or discounts can make the difference between just scraping by and having a little breathing space.”
“Covering day-to-day bills, planning for care needs, and even considering funeral costs, it can all feel overwhelming. That’s why it’s so important to understand what support is available.
“The more secure you feel now, the more peace of mind you and your loved ones can have later. Many of these alternative benefits require proactive applications, so planning ahead is vital.”
It’s also worth noting that the state pension age is due for a change starting next year as the government plans to increase it to 67 by 2028. This will also increase the cut-off and start age for the relevant benefits.