What benefits can I claim in the UK?
Most people who miss out do so because they rule themselves out before checking. Entitlement is decided by rules — your income, savings, rent, health and who lives with you — not by whether you feel badly off enough to ask.
If you are working. Universal Credit tops up low earnings, and plenty of people in full-time jobs qualify because of rent, children, childcare or a health condition. Self-employed people can claim too.
If you are over State Pension age. Pension Credit is the single most important check. From April 2026 it tops weekly income up to £238.00 for a single person and £363.25 for a couple. There is no upper savings limit, and claiming it can unlock help with rent, Council Tax, health costs and heating.
If a health condition affects daily life. PIP and Attendance Allowance are not means-tested. Savings, earnings and owning your home make no difference — what matters is how your condition affects washing, dressing, eating, medication, communication or moving around.
If you care for someone. Carer’s Allowance or a carer element in another benefit may apply, even if you are not a full-time carer.
Everyone should check Council Tax. Council Tax Reduction is claimed separately from your council and is not added automatically when you claim Universal Credit. Single-person, disability and severe mental impairment discounts are all widely missed.
What this checker does. It screens your circumstances against the published rules and shows what is worth applying for, where to apply and what evidence you will need. It is not an application, and the decision is always made by the DWP, HMRC or your council.
Circumstances change entitlement. It is worth checking again after a job change, a rent rise, a new baby, a separation, a bereavement, becoming a carer, or reaching State Pension age.