A to Z
This A to Z list will point you in the right direction to finding more information about the entitlements or services you might receive once you are a pensioner. You can also look up pension options open to you if you are planning or reviewing your retirement income.
Don't know the name of the benefit you're looking for? Check out the more help on benefits page in our resource centre for more help.
A to F
Abroad: see Living overseas
Accidents at work: see Injuries at work
Accounts: Read or print The Pension Service's annual report in our about us section
Additional State Pension: additional State Pension, also known as State Second Pension, is paid in addition to the basic State
Pension. Until April 2002, it was usually known as the State Earnings Related Pension (SERPS) pension and depended solely on the National
Insurance contributions you paid as an employee. From April 2002, State Second Pension reformed SERPS to provide a better additional State Pension
for low and moderate earners, and to extend access to include certain carers and long-term disabled people. You may get an additional State Pension
even if you do not get any basic State Pension.
You can find out more about additional State Pension or read or print our guide on inheriting SERPS, or read the SERPS section of this website for more information.
Age Positive: Age Positive is the Government's campaign to tackle age discrimination and promote the business benefits of age diversity in the workplace. For a free copy of Age Diversity at Work, A Practical Guide For Business phone 08457 330360 or visit www.agepositive.gov.uk for more information.
Age-Related Personal Allowances: A personal allowance is the amount of income you can receive without having to pay tax. Everyone
with an income gets a personal allowance. However, if you are aged 65 or over, as long as your income is below a certain limit, your tax-free allowance
will be more generous. Your income could include pensions, salary and interest on savings.
Find out more about age-related personal allowances.
Annual report: Read or print The Pension Service's annual report in our About us section.
Attendance Allowance: If you are aged 65 or over and have needed help looking after yourself for at least 6 months, you may be entitled to Attendance Allowance. If you are under 65 and need help looking after yourself, you may be entitled to Disability Living Allowance instead. Find out more about Attendance Allowance on the Department for Work and Pensions website.
Benefits: If you want to check which benefits you may be able to claim once you are a pensioner, you can find out more on this website. A full list of benefits handled by the Department for Work and Pensions can be found on the Department for Work and Pensions website.
Bereavement Payment: If you're over State Pension age you will not usually be able to get Bereavement Benefit. But, if your husband or wife was not getting a category A State Pension you may be able to get a Bereavement Payment. To be eligible, your husband or wife must have paid enough National Insurance contributions while they were working. You may also be entitled to a Funeral Payment, or, if your spouse was a War pensioner you may be entitled to assistance from the Veterans Agency. Find out more about Bereavement Payment in our retired section.
Budgeting Loans: If you or your partner have been getting Income Support or income-based Jobseeker's Allowance for at least 26 weeks and you need help with certain expenses that are hard to pay out of your regular income, you can apply for a Budgeting Loan. These loans are interest-free. You will need to agree with your local social security office how and when you pay back your loan. The Jobcentre Plus website has more information on budgeting loans
Bus fares: Your local council (or The Passenger Transport Executive in metropolitan areas) will provide
you with a free pass allowing you at least half-price bus fares in your area. Other local travel schemes to help you get out and about may also be
on offer. The travel schemes are different for England, Wales and Scotland.
Find out about bus fares for pensioners in England and Wales
Find out about bus fares for pensioners in Scotland
Business plan: Find out more about the future plans of the Pension Service by reading our Business Plan on the About us section of this website.
Calculator: On this website, you can calculate your State Pension age, or calculate how much Pension Credit you may be entitled to
Carers: Go to Caring for others
Carers Allowance: If you spend at least 35 hours a week caring for someone who is severely disabled, you may be entitled to this payment. Find out more about Carers Allowance on the Department for Work and Pensions website. See also Caring for others
Caring for others: Help is available if you are a carer. The government is making it easier to access information and services thorugh a website called Directgov. It provides information for carers in areas such as employment, education, support services, rights and money matters. Find more information for carers on the Directgov website
Changes to the law: Go to Consultations
Christmas Bonus: The Christmas Bonus is a tax free payment made to customers who are present or ordinarily resident in the UK or any other EU Member State and who are entitled to receive one or more qualifying benefits, including State Pension and Pension Credit in the first week of December. The Department of Work and Pensions website has more information on the Christmas Bonus
Claim forms: To claim for entitlements, you can read or print a range of claim forms from the resource centre on this website, in Adobe Acrobat/Portable Document File (PDF) format.
Claiming State Pension later: Go to State Pension deferral
Cold Weather Payment: If you're getting Pension Credit or another income-related benefit, you could be eligible for extra assistance to help with your heating costs when there is a spell of cold weather in your area. This is different to the Winter Fuel Payment, which you may also be eligible for. Find out more about Cold Weather Payments on the Jobcentre Plus website
Combined pension forecast: If you are an employer or a pensions provider, you can now provide a combined pension forecast for members of your occupational or private pension scheme. Combined pension forecasts allow members of pension schemes to see forecasts of both their state and current private pension provision together for the first time. More information on how to arrange combined pension forecasts for employers and more information on combined pension forecasts for pension scheme providers is available on this website.
Employers and pension providers can register interest in combined pension forecasting or read or print a guide to combined pension forecasts
Community Care Grant: If you are getting the Pension Credit and
you need help to stay in, or return to your own home, you may be entitled to assistance with the cost of items for your home, clothing and travel costs.
You do not have to pay the grant back.
Find out more about community care grants on the Department for Work and Pensions website
Complaints: If you have a complaint or comment about The Pension Service, please contact your pension centre by post, phone, fax or email
Computers: Go to Online Centres
Consultations: Consultations on draft regulations and changes to policy are conducted through the resource centre on the Department for Work and Pensions website
Contracted-out Pension: You may decide you want to leave (contract out of) the State Second Pension (formerly SERPS) to join a Stakeholder, an Occupational, or a Personal Pension Scheme. Find out more by reading or printing our guide to contracted-out pensions.
Council Tax Benefit: If you are on a low income, you may be able to get help to pay your Council Tax
bills. Apply to your local council for assistance.
Find out more about Council Tax Benefit
Crisis Loan: In the event of emergency or disaster, you may be entitled to an interest free loan to assist you and your family. You will have to agree with your social security office how and when you will pay the loan back. Find out more about crisis loans on the Department for Work and Pensions website
Deafness caused by work: see Injuries at work
Death: What happens if you lose a loved one? Find out more about death on this website.
Deferring State Pension: Go to State Pension deferral
Dental care: If you are receiving Pension Credit, you can receive free NHS dental treatment. Find out more about dental care on the Department of Health's website
Direct Payment: This is the way state pensions and benefits are paid. Now that order books are no longer in use, your money is paid straight into the account you choose. For more information about direct payment, call your local pension centre on 0845 6060265. If your circumstances change, for instance if you change your address, contact the office that pays your pension or benefits.
Disability Living Allowance: If you are under the age of 65 with a disability and you need help looking after yourself, you may claim for this allowance. If you are 65 or over, you need to claim for Attendance Allowance instead. Find out more about Disability Living Allowance on the Department for Work and Pensions website
Disability rights and services: The Government has produced 'A Practical Guide for Disabled People or Carers'. This could be useful
for anyone who has a disability or anyone who looks after a disabled relative or friend. For your free copy of the guide, you can phone the Health
Literature Line on 0800 555 777.
Find out more about disability rights and services in England or Wales
Find out more about disability rights and services in Scotland
Disabled at work: Go to Injuries at work
Disabled people: The government is making it easier to access information and services throught a website called Directgov.
It provides information for disabled people of all ages in areas like employment, independent living, money, learning and rights.
Find information for disabled people on the Directgov website
Find information for carers on the Directgov website
Disease caused by work: see Injuries at work
Draft regulations: Go to Consultations
Driving licences: If you're aged 70 or over, you can now apply to the Driving and Vehicle Licence Agency to renew your licence free of change. Find out more about driving licences
Early retirement: If you take early retirement, you cannot get the State Pension until you reach State Pension
age, but you can get a Pension Forecast, so you can see how much State Pension
you can expect to receive in today's money values.
Find out more about early retirement on the Department for Work and Pensions website
energywatch: is the independent watchdog for all gas and electricity consumers. energywatch provides free help and advice on all gas and electricity matters. It recently launched a campaign to increase the number of eligible people signed up for the free services under the Priority Service Register. For more information call energywatch on 0845 906 0708 (typetalk 18001 0845 906 0708) or visit the energywatch website.
Extra money for over 70s: See the One-off 70+ Payment
Eye tests: If you are aged 60 or over, you can have free eye tests with the NHS.
Find out more about eye test on the Department of Health's website
Financial Services Authority (FSA): Offers general information about financial services and products. You
can phone 0845 606 1234. Lines are open Monday to Friday 8am to 8pm. Calls are charged at local rates
See www.fsa.gov.uk for more information
Fire safety: The fire brigade headquarters for your county or metropolitan area can give you personal advice on preventing fires in your home. If you like, they can come and visit you in your home and help you fit smoke alarms. You will find the address and number in the phone book. Visit the Office of the Deputy Prime Minister's website for more information and advice on fire safety
Forecast: Go to State Pension Forecast
Forms: To claim for entitlements, you can read or print a range of claim forms from the resource centre on this website, in Adobe Acrobat/Portable Document File (PDF) format.
Funeral Payments: Depending on your circumstances, you may be entitled to a one-off payment to assist you with the cost of a loved
one's funeral. Find
out about Funeral Payments on the Jobcentre Plus website
Information is also available about Bereavement Payment on this website
Future plans for The Pension Service: Read our business plan in the About us section of this website.