How does State Pension work for a couple and can we claim extra help if one of us has a low income?

10 Oct 2026, 10:50
Q A Reader Asker

How does State Pension work for a couple and can we claim extra help if one of us has a low income?

A ClaimGuide Team Answered by

State Pension is based on each person’s National Insurance record, so a couple usually receives two separate payments, which may be different amounts. Check both State Pension forecasts to see how much each of you may qualify for. If you are both over State Pension age and your household income is low, you may be able to claim Pension Credit as a couple; eligibility depends on your income, savings and circumstances. Use the official GOV.UK Pension Credit calculator or contact the Pension Service for an assessment.

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