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What Benefits Are You Missing Out On?

Many older people are missing out on benefits they may be entitled to. Here is a brief summary of what benefits are available to older people.
Garry Pierrepont   October 19, 2012
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It is a fact that money intended for people on low incomes goes unclaimed by older each year in the UK. How much? A staggering £5.5 billion.

If you are 60 or over, there may be benefits that you are entitled to claim, which would help maintain or even improve your standard of living and independence. This is a quick summary of what benefits you might be eligible for in the 2012-13 tax year.

State Pension: claimable by anyone over State Pension age. This is £107.45 per week for a person with a full National Insurance record.

Pension Credit – Guarantee Credit: claimable by anyone on a low income and (although the age is increasing) 61 in April 2012. Tops up your income to £142.70 for single people, £217.90 for couples.

Pension Credit – Savings Credit: claimable by people of a modest income who are over 65. This is up to £18.54 for singles, £23.73 for couples.

Housing Benefit: claimable by those on low incomes who rent their homes. This could cover rent in full.

Council Tax Benefit: claimable by people on low income. In some cases Council Tax is paid in full

Second Adult Rebate: claimable by people who share a home with someone on low income, who has no joint liability for Council Tax with you and doesn’t pay rent to you.

Disability Reduction Scheme: claimable by disabled people with features in their home to support them.

Other Council Tax exemptions and discounts: claimable by students, carers and people with severe mental impairments.

Winter Fuel Payment: claimable by anyone born before 6 July 1951. This is usually a single payment each year. It is £200 for under-80s and £300 for over-80s, but is less per person if you live with other people who also qualify.

Cold Weather Payment: claimable by anyone who gets Pension Credit or particular other benefits. It is worth £25 a week when the weather is very cold.

The Social Fund: claimable by anyone on low income. There are a number of grants and loans of varying amounts, which are payable dependent upon particular circumstances.

Attendance Allowance: claimable by those over 65 with needs for personal care. It is £51.85 per week for care during day or night. It is £77.45 for care during the day and night.

Disability Living Allowance: claimable by people under 65 with personal care needs or mobility needs. This can amount to up to £54.05 per week for walking difficulties, or up to £77.45 for personal care needs.

Carer’s Allowance: claimable by anyone who cares for someone with a health problem or disability. It is £58.45 per week.

Assistance with Health Costs: claimable by those who receive Guarantee Credit or has a low income. This helps with the costs of prescriptions, dental treatment, eye tests and similar.

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I'm very upset at so many "Means Tested" benefits. I paid, although not very much, (£4 per month at present) into what was formerly known as the Civil Service Benevolent Fund which is now known as the Charity of the Civil Service. My understanding is that this is a "Means Tested" system which, I feel, that it should not be and I would like some money to be used by former, adequately positively vetted, Cvil Servants who are cleared to visit serving and former Civil Servants at home, hospital and care homes to perhaps take some flowers, confectionery or something even at Christmastime to those they visit but I would not like any monies to be given out in expenses and those "volunteering" to treat this as a moneymaking incentive. Far too many so-called "low grade" Civil Servants" including individuals in the Secretarial sector have become so-called "Charity Cases".
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