Pensioners – what to do and by when
State Pension, Pension Credit and help for older people – claims that are not automatic and their deadlines.
- State Pension – check your forecast and claim it (it is not automatic)
You will not get your State Pension automatically – you have to claim it.
Checked 20/10/2026 - Pension Credit – claim early, it can only be backdated 3 months
If you have reached State Pension age and are on a low income, you may be entitled to Pension Credit.
Checked 21/10/2026 - Winter Fuel Payment 2026 to 2027 – who gets it and the 31 March claim deadline
If you were born on or before 27 June 1960 and live in England, Wales or Northern Ireland, you may get £100 to £300 for winter 2026 to 2027.
Checked 21/10/2026 - Fill gaps in your National Insurance record – 5 April deadline each year
You can usually pay voluntary National Insurance contributions for the past 6 years only, and the deadline is 5 April each year.
Checked 20/10/2026 - Renew your driving licence at 70 and every 3 years after – free
Once you reach 70, you must renew your driving licence every 3 years.
Checked 20/10/2026 - Lone Pensioner Allowance – 20% off your rates in Northern Ireland at 70+
If you are 70 or over and live alone in Northern Ireland, you may get 20% off your rates.
Checked 20/10/2026 - Free TV Licence at 75 – only if you or your partner get Pension Credit
You can get a free TV Licence if you are 75 or over and you, or your partner who lives with you, get Pension Credit.
Checked 20/10/2026