What benefits am I entitled to in retirement?

Pensions and benefits are likely to be on your mind as you approach retirement.

You could be entitled to any of these retirement benefits, so check how much you can claim.

State pension

State pension is a benefit based on your national insurance contributions. You can start claiming it once you reach state pension age.

State pension age used to be 60 for women and 65 for men, but it's changing for most people and now depends on the year you were born.

State pension is separate from any other pensions you have. You may not start receiving state pension at the same time as you start receiving your work or personal pensions.

Get more information and calculate your state pension age at www.gov.uk.

Pension credit

Pension credit tops up your state pension if your income is below a certain amount.

Use the pension credit calculator to find how much you might be entitled to.

Council tax reduction

This replaces council tax benefit. If you're eligible, you could get up to 100% reduction on your council tax bill. How much you get depends on a number of things, including your income and savings.

Ask your local council how much council tax reduction you could get.

Housing benefit

You could get housing benefit to help you pay your rent if your income and savings are below a certain level. To find out whether you qualify, visit www.gov.uk/housing-benefit

Personal independence payment (disability living allowance)

Personal independence payment is replacing disability living allowance. With it, you can claim for money to help with extra costs cased by your disability. If you think you might qualify, find out more at www.gov.uk/dla-disability-living-allowance-benefit

Free NHS healthcare

If you're over 60, you should get free prescriptions, eye tests and chiropody on the NHS. And if you receive pension credit, you could also get free NHS dental treatment.

When you reach 65, you'll get a free flu jab every year, too.

Winter fuel payment

You could qualify for up to £300 to help pay your heating bills during the winter months.

The amount you get depends on how old you are and your personal circumstances. You won't always get this money automatically, but you can make a claim online.

Cold weather payment

You could get £25 if the temperature where you live drops to an average of zero degrees celsius or lower for seven consecutive days between 1 November and 31 March.

You'll qualify for a cold weather payment if you already receive certain benefits, and you should get it automatically.

If you think your area is due for a payment, check the cold weather payment tool.

Free TV licence

If you're over 75, you can get your TV licence for free.

Get full details and apply online at the TV Licence website.

Free bus pass

When you reach the state pension age, you can get free off-peak travel on local busses anywhere in England. Enter your postcode to find out how to claim your free bus pass.

Senior rail card

A senior rail card will cost you £30 for one year or £70 for three years. With it, you'll save a third on rail journeys across Britain. Buy one online or ask at the train station.

How to find out what benefits you can get

Use the government benefits adviser to find out what benefits you could get.

The information on this page, to the best of our knowledge and belief, was correct as at 27 January 2014.

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