Check if a change affects your Pension Credit
If you’re getting Pension Credit you must tell the Pension Service about changes to your money or living arrangements. The Pension Service calls this reporting a ‘change of circumstances’.
You have to tell them even if it seems like a small change, or it’s only for a short time. For example, you’ll need to tell them if someone in your house moves out - even if they’re planning to move back in.
It’s important to report a change of circumstances as soon as possible. The change might increase your payment and you might miss out on extra money if you tell the Pension Service late.
You should still tell the Pension Service if you think a change might reduce your Pension Credit - you won't save money by reporting it later. If you tell the Pension Service late you could get paid too much and have to pay your benefits back to the Department for Work and Pensions (DWP). This is called an overpayment - check how the DWP deals with overpayments.
Changes you need to report
You’ll have to report changes to the Pension Service.
Report a change even if you’re not sure if you need to. The Pension Service will tell you if your Pension Credit will be affected.
You’ll need to report changes even if another government department already knows about them.
Changes to your work or money
Tell the Pension Service if:
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your income goes up or down
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you start to receive other benefits or if a benefit stops
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you start or finish employment or self-employment
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you notice there’s a change to your pension, savings or investments
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you or someone else in your house starts receiving more or less money from their benefits
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you or your partner receive back-pay, sometimes called arrears, for any money you’re owed. For example, extra money from a sales commission you’re owed or from covering someone’s shift
Changes to your personal details or where you live
Tell the Pension Service if:
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you change your name
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you move house
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people move in or out of your home
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you go into hospital, a care home or sheltered accommodation
If you move home
If you get Pension Credit you can pay less money to get your mail redirected to your new address - this is called a ‘concessionary discount’. Find out how to get a discount on mail redirection on Royal Mail’s website.
Changes to do with your family or relationships
Tell the Pension Service if:
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you get married, divorced or form a civil partnership
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your partner moves in with you or moves out
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you start or stop caring for someone
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your partner or someone living with you dies
If you're leaving the UK
Tell the Pension Service if you leave the UK for more than 4 weeks. Your Pension Credit will usually be stopped, unless you're away because:
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a partner or a close relative has died - you can’t be away for more than 8 weeks
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you, your partner or child are receiving medical treatment - you can’t be away for more than 26 weeks
You’ll stop getting Pension Credit if you leave the UK permanently.
If your right to reside or immigration status changes
If you're from the EU, Norway, Switzerland, Iceland or Liechtenstein
If you’ve lost your right to claim benefits, known as your ‘right to reside’, you won't be able to get Pension Credit. You might have lost your right to reside because you:
- split up from your partner and had your right to reside because of them
- became a student and didn’t get medical insurance
- lost your job and have been looking for a new job for more than 6 months
To keep getting Pension Credit you need to show you have either settled status or pre-settled status and a right to reside.
Your right to reside depends on things like your work, family and personal situation. You can check if you have a right to reside.
If you're not from the EU, Norway, Switzerland, Iceland or Liechtenstein
A change to your immigration status might also affect your Pension Credit.
This is a complicated area, so it's best to talk to an adviser before reporting the change to HMRC.
If you're in an Assessed Income Period
You’ll usually only be in an Assessed Income Period if you started claiming Pension Credit before 6 April 2016. Check your claim letter or call the Pension Service if you’re not sure.
Only tell the Pension Service about changes to your income or savings if these go down.
You’ll still need to report all other changes.
Your assessed income period will stop if:
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a partner moves in with you or a partner you’re living with moves out
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you move into a care home
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you or your partner reach the age of 65
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your pension stops or is reduced
Reporting a change
Call the Pension Service and tell them about the change. Someone else can call for you but you must be with them when they call.
Pension Service helpline
Telephone: 0800 731 0469
Textphone: 0800 169 0133
Relay UK - if you can't hear or speak on the phone, you can type what you want to say: 18001 then 0800 731 0469
You can use Relay UK with an app or a textphone. There’s no extra charge to use it. Find out how to use Relay UK on the Relay UK website.
Video relay - if you use British Sign Language (BSL).
You can find out how to use video relay on YouTube.
Monday to Friday, 9.30am to 3.30pm
Calls are free from mobiles and landlines.
After you’ve called it’s best to write a letter to the Pension Service to confirm the change. Explain what the change is and when it happened.
Ask the Post Office for proof of postage - you might need to show when you sent your letter.
You can find the address of your nearest Pension Centre on GOV.UK. You’ll need to know your postcode.
Contact your nearest Citizens Advice if you need help reporting a change.
After you've reported a change
The Pension Service will work out how much Pension Credit you should be getting. They’ll write to you if your Pension Credit changes.
Contact the Pension Service if you don’t hear anything a month after you reported the change.
You can challenge the Pension Service if you disagree with their decision.