Every year, millions of pounds in government benefits go unclaimed — much of it by people over 50 who simply don’t know what they’re entitled to. Whether you’re still working, semi-retired, or fully retired, there could be financial support available to help ease the cost of living, boost your income, or support your health and wellbeing.
Here’s a clear guide to the most commonly overlooked benefits and how to check if you’re missing out.
1. Pension Credit
If you’re over the State Pension age and on a low income, Pension Credit can top up your weekly income to a minimum guaranteed level.
Why it matters: It can also unlock access to other benefits like free TV licences, dental care, and housing support.
Tip: Even small savings or a modest pension don’t always disqualify you — it’s worth checking eligibility.
2. Housing Benefit and Council Tax Support
If you’re renting or paying council tax, you might qualify for extra help based on your income.
Tip: Many over-50s assume these benefits are only for those unemployed, but working people and pensioners can often qualify too.
3. Attendance Allowance
This tax-free benefit helps with extra costs if you have a disability or health condition that affects daily life — no matter your income or savings.
Tip: You don’t have to have a carer to claim. Attendance Allowance can also increase entitlement to other benefits.
4. Carer’s Allowance
If you regularly care for someone for 35 hours a week or more, you might be eligible for Carer’s Allowance — even if you’re over 50 and retired.
Tip: Check if claiming affects other benefits like State Pension or Pension Credit before applying.
5. Winter Fuel Payment
If you were born before a certain date, you can receive a Winter Fuel Payment to help with heating costs — usually between £250 and £600.
Tip: It’s typically automatic if you receive a State Pension, but check if you need to apply the first time.
6. Warm Home Discount Scheme
Separate from the Winter Fuel Payment, this scheme gives a one-off discount on your electricity bill.
Tip: Eligibility often depends on your energy supplier and whether you receive certain benefits — check directly with your provider.
7. Free Bus Pass and Travel Concessions
Reaching State Pension age can unlock free or discounted public transport.
Tip: The rules differ across regions, so check your local council’s website for details.
8. NHS and Health-Related Benefits
You may be entitled to free prescriptions, eye tests, or dental care based on age or income.
Tip: Even if you don’t automatically qualify, some NHS schemes provide refunds for medical costs through the Low Income Scheme.
9. State Pension Boosts and Deferrals
If you’ve not reached retirement yet, check your National Insurance record — you may be missing years of contributions that could boost your State Pension.
Tip: You can also defer claiming your State Pension to increase your future weekly payments.
10. Local Grants and Support Programs
Many local councils offer one-off grants for home energy upgrades, accessibility improvements, or emergency financial relief.
Tip: Visit your local authority website or Citizens Advice to find out what’s available in your area.
Final Thoughts
Government support is there to help you live comfortably and confidently — but only if you claim it. Take time to review your eligibility or speak to a benefits adviser. Even a small entitlement can add up to thousands of pounds over time, easing financial strain and giving you greater peace of mind in your 50s and beyond.