Answers · UK 2025/26
What is the difference between PIP and Pension Credit?
Personal Independence Payment (PIP) is a non-means-tested benefit for people under State Pension Age with long-term illness or disability — £29.20 to £187.45/week (2025/26). Pension Credit is means-tested income top-up for those at State Pension Age with low income — £227.10/week single, £346.60 couple.
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Two unrelated UK benefits often confused. Personal Independence Payment (PIP) — non-means-tested benefit for working-age adults (16 to State Pension Age) with long-term illness, disability or mental health condition affecting daily living or mobility. 2025/26 rates: Daily living component £73.90 (standard) or £110.40 (enhanced)/week. Mobility component £29.20 (standard) or £77.05 (enhanced)/week. Maximum combined £187.45/week. Claimed regardless of income or savings. Scotland replaced PIP with Adult Disability Payment in 2022 (similar structure). Pension Credit — means-tested top-up for people at State Pension Age (66+ in 2025/26) whose income falls below the threshold. Two parts: Guarantee Credit tops up to £227.10/week (single), £346.60/week (couple). Savings Credit (only for those reaching SPA before 6 April 2016) provides extra. Provides automatic access to other benefits: Cold Weather Payment, free TV licence (age 75+), Housing Benefit, Council Tax Reduction. About 850,000 eligible UK pensioners don't claim — apply at gov.uk/pension-credit or call 0800 99 1234.
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This answer is informational only and does not constitute financial, tax or legal advice. Figures are for the 2025/26 UK tax year. See our methodology and sources.