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 around 13 million people across Great Britain, including more than one million living in Scotland.

This regular payment is currently 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.

READ MORE: New State Pension age changes set to delay retirement payments for millions of peopleREAD MORE: DWP income boost for people working after reaching State Pension age

For older people approaching the official age of retirement before the end of the current financial year (April 5, 2026), 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 AllowanceIncome-related Employment and Support Allowance (ESA)Income SupportUniversal 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.”

Use the Turn2us benefit calculator to see what benefits you’re entitled to, or get help from a benefits adviser.

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 and existing 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 will be transferred to the new devolved Social Security Scotland system before the end of December.

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 PensionGuardian’s AllowanceStatutory 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 CreditHousing BenefitCouncil Tax SupportSupport for Mortgage InterestHelp with Health CostsWinter Heating Payment – Scotland onlyCold Weather Payment – England and Wales onlyWarm Home Discount SchemeWinter Fuel PaymentPension 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.

Get the latest Record Money news

Join the conversation on our Money Saving Scotland Facebook group for money-saving tips, the latest State Pension and benefits news, energy bill advice and cost of living updates.

Sign up to our Record Money newsletter and get the top stories sent to your inbox daily from Monday to Friday with a special cost of living edition every Thursday – sign up here.

You can also follow us on X (formerly Twitter) @Recordmoney_ for regular updates throughout the day or get money news alerts on your phone by joining our Daily Record Money WhatsApp community.