It is a common assumption that your State Pension is all the support that you are entitled to in the United Kingdom once you retire. However, there is actually a wide range of over-60s and retirement benefits that you might be able to claim.
It is always helpful to be as prepared and as informed as possible if you’re planning to submit a benefits claim, whether you are approaching retirement or you stopped working a while ago.
Here, we explain the various benefits that you might be able to claim if you’re aged over 60.
State Pension
First and foremost, there is the State Pension. In the United Kingdom, you are eligible to claim your State Pension once you reach State Pension age, which is currently 66. Of course, the amount you are entitled to will depend on how many years of National Insurance (NI) contributions you have qualified for.
If you live in the UK and you’ve paid National Insurance here for at least 10 years, then you will usually qualify for some State Pension, and if you’ve paid National Insurance for 35 years or more, then you’ll usually be eligible to receive the full new State Pension.
The new State Pension applies to those reaching retirement age on or after 6 April 2016 and is £241.30 a week in the current 2026/27 tax year. Each tax year, the new State Pension usually increases by the highest of the growth in wages, inflation as measured by the Consumer Prices Index (CPI), or 2.5%. This is known as the ‘triple lock guarantee’. You can read more about how this works in our guide What is the pension triple lock?
The basic State Pension, which you should be receiving if you retired pre-2016, is £184.90 a week in the 2026/27 tax year.
How much is the State Pension in 2026?
The new full State Pension is £241.30 a week in the 2025/26 tax year, although the amount you’ll personally receive will be based on your National Insurance Contribution record.
The full basic State Pension is £184.90 a week. Find out more in our article What is the State Pension in 2026?
There are several different ways to accrue NI qualifying years:
- Earning more than £242 each week from an employer. You’ll also accrue qualifying years if you earn between £123 and £242 a week from a single employer, however you won’t actually pay NI contributions.
- If you’re self-employed, by paying NI contributions yourself.
- Claiming benefits for certain illnesses, disabilities, as a carer or for unemployment.
- Voluntarily paying NI contributions to fill any gaps in your record.
Learn more about the State Pension in our article How the State Pension works and about whether you should buy missing years in your National Insurance record in our guide Is it worth paying to top up your State Pension?
If you have private or workplace pensions which you’re planning to use to supplement your State Pension, it’s a good idea to check that these are on track to provide you with the retirement you want.
Winter Fuel Payment
Although the energy price cap fell in April, it is expected to rise again in July due to the conflict in the Middle East, which has pushed up oil prices globally. This is likely to result in more and more people struggling to heat their homes in winter.
If you are a pensioner with an income of £35,000 or less you should qualify for the Winter Fuel Payment to help cover the cost of energy bills. qualify for the payment. The payments is either £200 or £300 with the higher amount going to those aged over 80.
You can learn more in our article 9m pensioners to get Winter Fuel Payment.
Pension Credit
If you’re State Pension age and on a low income, you may be able to boost what’s coming in with Pension Credit. Many people who are eligible to receive Pension Credit don’t claim it – so make sure you don’t miss out if you are.
Pension Credit has two parts, Guarantee Credit and Savings Credit.
Guarantee Credit will top up whatever income you currently receive to £238 a week if you’re single, or your joint income to £363.25 if you have a partner.
Savings Credit is available to those who reached State Pension age on or after 6 April 2016 if you saved some money for retirement, for example, a personal or workplace pension. You can get up to £17.96 Savings Credit a week if you’re single, and up to £20.10 if you have a partner.
Extra amounts can also be awarded to your Guarantee Credit in certain circumstances.
If you are disabled, you could receive an extra £86.05 if you claim:
- Attendance Allowance
- the middle or highest rate from the care component of Disability Living Allowance (DLA)
- the daily living component of Personal Independence Payment (PIP)
- Armed Forces Independence Payment
- the daily living component of Adult Disability Payment (ADP).
If you care for an adult, you could get an extra £48.15 a week if you get Carer’s Allowance, or if you’ve claimed Carer’s Allowance but are not being paid because of another benefit.
If you’re responsible for any children under 20, you could get an extra £69.98 a week for each (or £81.07 for the first child if they were born before 6 April 2017). You cannot receive this extra amount if you already get Tax Credits.
If you are responsible for a child who is disabled and receives DLA, PIP or ADP you could receive an extra amount of £37.93 a week.
If you are responsible for a child who is blind, gets the highest rate care component of DLA or CDP, or gets the enhanced daily living component of PIP or ADP, you could receive an extra £118.46 a week.
To find out more, read our article Pension Credit explained.
Can I get healthcare discounts when I turn 60?
Regardless of age, it is essential that you ensure you are as healthy as possible by making lifestyle changes as well as utilising healthcare services. If you’re over 60, there are a number of concessions that you may be entitled to for affordable and accessible healthcare.
For example, anyone over the age of 60 is entitled to receive free prescriptions from the NHS. You will also be eligible for a free NHS eye test, so you should definitely inform your optician if you still haven’t had an appointment. If you’re aged 65 or over, you can also get the free NHS flu vaccine.
There is additional help available through the NHS Low Income Scheme, although your eligibility for this will depend on your particular circumstances. For example, NHS dental treatment, any travelling costs associated with receiving NHS care, as well as the cost of glasses or contact lenses, will be covered either completely or partially. You may qualify for this help if you receive certain benefits.
Even if you’re not in receipt of these benefits, you may still be entitled to help if you have a low income. The NHS website has a detailed guide on the application process.
Can I get discounts on public transport when I turn 60?
If you’re over 60, then there are several public transport concessions that are available to you. Whilst some of these will ensure that you have discounted fares, others will mean that you can travel completely for free.
For example, you will be eligible for an older person’s bus pass once you reach State Pension age, so that you can use the national bus service without having to pay anything. The application process is quite simple, and you can do it through the government website.
When it comes to rail travel, you will be entitled to apply for a Senior Railcard once you are over 60. It is a discount card, which means that you can purchase it for a fee of £35 for a year, or £80 for three years, and receive a third off the cost of any train tickets you buy. If you travel frequently or on a long-distance basis, the savings can be significant. Applying for the Senior Railcard is straightforward through the website, and you’ll just need a valid passport or driving licence as identification.
If you’re aged 60 or over and live in a London borough, you can get free travel on Transport for London services with an Oyster photocard. You can learn how to apply on the TfL website.
Find out more about rail discounts in our article Railcards for over 50s and 60s.
Attendance allowance
You can claim Attendance Allowance if you’re over State Pension age, have a long-term medical condition or disability, and need someone’s help to look after yourself properly, even if you aren’t actually getting this help.
There are two rates that are determined by the level of care you need, so you could receive either £76.70 or £114.60 per week if you have a physical or mental disability, such as sight or hearing impairments or dementia.
This isn’t a means-tested benefit either, which means that your savings or income won’t affect your eligibility. You can learn more in our article What is the Attendance Allowance and who is eligible? or apply through the government website by filling out the Attendance Allowance Claim form.
Can I get a free TV licence when I turn 75?
Previously, anyone aged over 75 was entitled to a free TV licence. The rules were changed in 2020, however, which means that you will only be eligible for a free TV licence if you or anyone in your household is over 75 and claiming Pension Credit.
Knowing your entitlements
If you’re over 60, there are a range of concessions and discounts that are available to you. Some of these are accessible to everyone over 60, whilst others have additional eligibility requirements, such as receiving certain benefits or being on a low income.
It is estimated that billions of pounds of benefits are unclaimed every year. By checking your eligibility for the aforementioned benefits, you can ensure that you’re not missing out on anything that you are entitled to.
You can find out about some more of the discounts that might be available to you in our article The best discounts for people in their 50s, 60s and beyond.
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