Share
[easy-total-shares url="https://www.agespace.org/claiming-all-eligible-allowances-2023-24" fullnumber="yes" align="left" networks="facebook,twitter"]

Claiming all eligible allowances 2024/25

With benefits and allowances increasing from 1 April, the start of the new financial year, now is the ideal time to spring clean finances and make sure elderly parents and relatives are claiming everything they are entitled to.

Many older people don’t know about or are reluctant to claim all the allowances or benefits available to them. It can be time consuming and complicated looking into funding, but it is worth being persistent. Every year billions of pounds of benefits go unclaimed, and this financial help could help make life easier and more enjoyable in later life.

Claiming allowances and benefits to help pay for care

According to charity Turn2us back in 2019, 6.41 million people aged 65 or over needed help with daily activities, but only 2.98 million claim attendance allowance or any other benefits helping them with their care needs. Its analysis of NHS figures shows 3.43 million could be missing out on money that is rightly theirs to claim.

Funding elderly care and later life can be complex, expensive, and unpredictable, particularly as needs change. Find out more about all the care funding options available with this simple guide from Age Space: https://www.agespace.org/finance/funding-elderly-care.  

Increases to allowances and benefits rates for 2024/25

Benefit/Allowance

Relevant information

Level

23/24 per week

24/25 per week

Attendance Allowance

Available to over 65s who need more help; not means tested; Care home residents eligible as people in their own homes.  Claimants can claim either Attendance Allowance or PIP/DLA (see below) but not both.

Higher rate (night time support)

Lower rate (day time support)

£101.75

£68.10

£108.55

£72.65

Carer’s Allowance

For anyone aged over 18 who spends more than 35 hours per week caring; if more than one person provides care, only one person is able to claim

 

£139

£151

Disability Living Allowance

Renamed Personal Independent Payments (PIPs), a payment to help with a long-term physical or mental health condition.  There is an additional “mobility” component. As above you can only claim either Attendance Allowance or PIP.

Highest level of need

Middle level of need

Lowest level of need

 

Mobility component

Higher level of need

Lower level of need

£101.75

£68.10

£26.90

 

 

£71.00

£26.90

£105.55

£72.65

£28.70

 

 

£75.75

£28.70

Constant Attendance Allowance

A payment for those with a disability receiving Industrial Injuries Disablement Benefit or a War Disablement Benefit

Exceptional need

Intermediate need

Normal

Part-time support

Exceptional severe disablement

£166.20

£124.65

£83.10

£41.55

£83.10

£177.40

£133.05

£88.70

£44.35

£88.70

Pension Credit

Top up for anyone of pension age on low income: it can also open access to other benefits

Single person top up to a total of

Couple top up to a total of

£201.05

£306.85

£218.15

£332.95

Carer’s Credit

A National Insurance credit for anyone caring over 20 hours a week; to help with gaps in NI payments (the state pension is based on NI contributions)

 

£42.75

£45.60

State Pension

 

Full rate

£185.15

£221.20

Free tv licence, Council tax discount, free NHS, dental treatment and glasses; Warm home discount scheme, cold weather payments and winter fuel payments.

 

What benefts and allowances you can claim

  • Attendance Allowance: funding to help someone stay independent in their own home for longer. It is also possible to continue to receive it whilst living in a care home. This is available for people who are aged 65 and over and have a physical or mental disability, or an illness, that means extra help is needed. It’s not necessary to already be having help to be eligible. There are no restrictions on how the money should be spent. ttendance allowance in particular is a benefit that many don’t know about. It’s not means tested but based on individual need for every day help to stay living independently at home. There are two different rates, lower rate – £68.10 (23/24) a week and higher rate – £101.75 (23/24 a week if help is needed both in the day and at night, or for a terminal illness). The Attendance Allowance is paid every four weeks and is usually paid straight into a bank account.
  • Carer’s Allowance: Carer’s Allowance is the main state benefit for people who spend 35+ hours every week providing care for someone.  In order to qualify, the person they care for must be in receipt of some specific benefits. There is a limit to how much you can work/earn while receiving Carer’s Allowance, but the actual payment is not means tested (not based on your income).  Some benefits also enable you to claim other benefits, or for example, a carer spending more than 35 hours a week caring for someone in receipt of Attendance allowance is eligible themselves for Carer’s Allowance. The Carer’s Allowance is taxable and can affect other benefits that you maybe currently receiving. If there are multiple carers for the individual, only one of the carers is entitled to receive Carer’s Allowance.
  • Constant attendance allowance – available for those with a disability receiving industrial injuries, disablement benefit or a war disablement benefit.
  • Disability living allowance (DLA)or Personal Independent Payments (PIPs) – help with a long-term condition or mental health condition. You can’t receive both DLA/PIP and Attendance Allowance.
  • Pension credit – top up available to anyone of pension age on low income: it can also open access to other benefits.
  • Carer’s credit – a National Insurance credit for anyone caring over 20 hours a week to help with gaps in NI payments.

Other benefits and discounts

There are a number of other benefits and discounts available to older people you should be sure are being claimed: 

  • Free NHS, dental treatment, and glasses – free prescriptions for all over 60s and depending on your circumstances help is also available in other areas.
  • Warm home discount scheme, cold weather payments and winter fuel payments – one-off payments to help with the cost of energy during the winter for those with a pension.
  • Council tax discount – Council Tax Support is available dependent on which benefits you receive, your age, income, savings, who you live with and how much Council Tax you pay. Carers who look after someone in the household for at least 35 hours a week and who meet additional criteria may be disregarded for Council Tax purposes.
[askform]