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💷 Financial Assistance & Benefits

A calm support check for someone over State Pension age

A wider check of income, health, housing, energy, care and everyday support for an older person or somebody helping them.

Last reviewed: 21 July 2026 · UK guidance

In brief

Support can be missed because each organisation looks at only one part of life. A pension payment does not show whether somebody is struggling with care, heating, housing, mobility, loneliness, digital access or forms.

Use this check slowly. One section is enough for today. The aim is to notice possible gaps and choose the next useful conversation, not to complete every application at once.

Check income and linked support

Start with the State Pension, private pensions and any benefits already received. Check Pension Credit even if the person owns their home, has savings or receives another pension. An award may connect to other help.

  • Pension Credit
  • Council Tax Reduction
  • Housing Benefit in relevant circumstances
  • Attendance Allowance or other disability support
  • Help with NHS costs
  • Heating and energy support

Check how the home works day to day

Ask about getting in and out, stairs, bathing, cooking, heating controls, falls, remembering medication and feeling safe at night. Small difficulties matter if they happen repeatedly or create risk.

A free council needs assessment may identify equipment, practical help or home changes. Do not arrange major adaptation work before checking the relevant approval and funding route.

Check care, health and appointments

Write down which appointments, prescriptions, tests or daily care tasks are becoming hard to manage. Ask whether a friend, relative or advocate can attend and take notes.

If somebody provides regular unpaid care, their needs should be considered too. A carer can ask about a carer’s assessment and emergency planning.

Check contact and digital barriers

Ask whether letters are understood, online accounts can be accessed and calls can be heard or remembered. Request large print, written confirmation, a nominated person or another reasonable communication method where available.

Be cautious if somebody calls unexpectedly and asks for passwords, bank details or payment to release a benefit or grant.

Choose one route and record the next date

Pick the gap with the greatest effect on safety or daily life. Write down who will contact whom, what information is needed and when it will be reviewed.

The Appointment preparation or My support circle sheet can help somebody use support without having to remember every detail alone.

Words for a benefits, council or care check

Use this when asking for a broad check rather than one specific form.

I would like a full support check for someone over State Pension age. Please look at income, disability or care needs, Council Tax, housing, energy, NHS costs and help at home. We would prefer clear written next steps and an explanation of which applications must be made separately.

A practical checklist

  • List current pensions, benefits and regular income.
  • Check Pension Credit rather than assuming there is no entitlement.
  • Notice repeated difficulty with washing, dressing, cooking, stairs or medication.
  • Ask about a council needs assessment if day-to-day tasks are hard.
  • Record communication or digital-access needs.
  • Choose one route and one review date.

Check the current information

Use these official or specialist pages to confirm current rules, availability and contact details.

Cost of living support if you are 60 or over — GOV.UK

gov.uk

Open GOV.UK support
Benefits calculator — Age UK

ageuk.org.uk

Use the Age UK benefits calculator
Care needs assessment — NHS

nhs.uk

Read about a needs assessment

Self Help sheets that may make this easier

Use one sheet if you want to organise your thoughts, prepare for contact or keep the next step somewhere you can return to.

Choose one next action

Use National Help to find a trusted benefits, older-person or care organisation, or save this checklist to the Support Plan.

HiddenHelp explains options and helps you organise a next step. It does not decide eligibility, provide emergency intervention, make awards, or replace regulated legal, medical, safeguarding or financial advice.