Council Tax Reduction (CTR) can help people on a low income, whether they are working or receiving benefits, while pension-age households may be assessed under different rules. Your local council considers factors such as income, savings, household members and personal circumstances, so entitlement and the amount of help vary. Apply through the council that sends your bill, usually via its website, and report changes promptly. Check your council’s official guidance or GOV.UK for the current rules and application process.