Help in later life: Pension Credit (£238 / £363.25 for couples), Winter Fuel Payment, Warm Home Discount (£150) and the free bus pass
Published: Last checked: October 20263 min read
Short answer
GOV.UK: Pension Credit tops weekly income up to £238 (single) or £363.25 (couple); savings up to £10,000 are ignored. People born on or before 27 June 1960 may get Winter Fuel Payment (taken back if income exceeds £35,000). The Warm Home Discount is £150.
In short
- This post is general information and does not assess anyone's personal situation. It is based on GOV.UK and the other official pages as they were on 18 October 2026. Amounts are updated each April and rules can change.
- Later-life income rests on the State Pension, but there are top-up benefits for people on a low income: Pension Credit, Winter Fuel Payment, the Warm Home Discount and the free bus pass.
- According to GOV.UK's public funds list the State Pension (based on National Insurance) is not counted as public funds; Pension Credit and Winter Fuel Payment are. For the State Pension see (https://ukturkishcommunity.com/en/info/birlesik-krallik-devlet-emekliligi-state-pension-icin-kac-yil-national-insurance-gerekir-eksik) and for combining years in two countries see (https://ukturkishcommunity.com/en/info/ingiltere-ve-turkiye-deki-calisma-yillari-birlestirilebilir-mi-iki-ulkeden-de-emekli-maasi).
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Official sources
This answer is based on the pages below. Check the source yourself before you decide.
- GOV.UK: Pension Credit, eligibility
- GOV.UK: Winter Fuel Payment
- GOV.UK: Warm Home Discount Scheme
- GOV.UK: Apply for an older person's bus pass
- GOV.UK: Public funds
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