The Department for Work and Pensions (DWP) has confirmed that thousands of older pensioners in the UK may be eligible for an extra £5,496.40 per year through the Over 80 Pension—a little-known benefit designed to support those receiving less than the full basic State Pension, or none at all.
This benefit, aimed specifically at people aged 80 or over, is a crucial top-up for older citizens whose pensions fall short of the current weekly threshold. Here’s everything you need to know about the scheme, how to check eligibility, and how to claim.
What Is the Over 80 Pension?
The Over 80 Pension is a special type of State Pension payment designed for retirees who:
- Are aged 80 or older
- Receive less than £105.70 per week in basic State Pension
- Or receive no basic State Pension at all
It can provide an additional £105.70 per week in the 2025–2026 tax year, bridging the gap between what you currently receive and the minimum support level.
Unlike other pensions, the Over 80 Pension does not rely on your National Insurance (NI) contribution history—making it particularly valuable for those who may not have met the full contribution requirements.
How Much Can You Get?
The exact amount you receive depends on how much basic State Pension you currently get. The Over 80 Pension tops up your weekly pension to £105.70, if it’s currently below that amount.
Here’s an example to illustrate:
| Current Weekly Pension | Top-Up Amount | Annual Extra Income |
|---|---|---|
| £43.00 | £62.70 | £3,260.40 |
| £0.00 | £105.70 | £5,496.40 |
| £90.00 | £15.70 | £816.40 |
So, a pensioner receiving just £43 weekly could receive an additional £62.70, totaling £5,496.40 per year—a significant financial boost for those living on limited incomes.
Eligibility Criteria for the Over 80 Pension
To qualify for the Over 80 Pension, you must meet the following conditions:
- You are aged 80 or older
- You were born before April 6, 1943 (men) or April 6, 1953 (women)
- You receive less than £105.70 per week in basic State Pension, or none at all
- You have lived in the UK for at least 10 years in a 20-year period
- You were ordinarily resident in the UK, the Isle of Man, or Gibraltar on your 80th birthday (or when you made the claim)
- You reached State Pension age before April 6, 2016
Important: If you reached State Pension age on or after April 6, 2016, you cannot claim the Over 80 Pension.
How to Apply for the Over 80 Pension
The DWP makes it fairly straightforward to claim this benefit. You can:
- Call the Pension Service: 0800 731 7898
- Request a claim form from your local Jobcentre Plus
- Apply up to 3 months before your 80th birthday or any time after
Ensure you provide accurate information regarding your current pension, residency status, and personal details. Once approved, payments will be made weekly and count as taxable income.
Why Some Pensioners Miss Out
Many pensioners are unaware that this support exists, especially those:
- Who assumed their NI record disqualified them
- Who didn’t realise they could claim after turning 80
- Who already receive a partial pension and thought they couldn’t get more
Because the Over 80 Pension is not automatic, it’s vital for pensioners and their families to check eligibility and apply proactively.
Is the Over 80 Pension Taxable?
Yes. Unlike some other state support, the Over 80 Pension is considered taxable income. If you’re claiming other benefits, the additional income may affect:
- Housing Benefit
- Council Tax Reduction
- Pension Credit
It’s wise to speak with a benefits adviser or HMRC if you’re unsure how this payment could impact your existing financial support.
Key Differences from Other Pensions
| Feature | Over 80 Pension | Basic State Pension | New State Pension |
|---|---|---|---|
| Based on National Insurance? | No | Yes | Yes |
| Must be 80+ to claim? | Yes | No | No |
| Maximum weekly amount (2025/26) | £105.70 | £176.45 | £221.20 (approx., new system) |
| Taxable? | Yes | Yes | Yes |
The Over 80 Pension offers a lifesaving opportunity for many elderly pensioners in the UK, especially those on low weekly pensions or no pension at all. With potential payments reaching £5,496.40 annually, this scheme can significantly improve financial well-being during later life.
If you or a loved one may be eligible, don’t delay—check the criteria and apply as early as three months before turning 80. Even a small top-up could mean greater peace of mind, independence, and dignity in retirement.
FAQs
Can I claim the Over 80 Pension if I receive the full State Pension?
No. This benefit is only for those receiving less than £105.70 per week or no basic State Pension at all.
What if I’ve lived abroad for part of my life?
As long as you were a UK resident for 10 years out of a 20-year period, and meet other conditions, you may still qualify.
Will claiming the Over 80 Pension affect my other benefits?
Yes, it may impact means-tested benefits since it is taxable income. Always check with a financial adviser or HMRC.
