Am I eligible?
Plain-English UK eligibility guides for benefits, tax reliefs and savings schemes — Universal Credit, Pension Credit, Marriage Allowance, Lifetime ISA, Child Benefit, PIP, Carer's Allowance and more. Every rule cites a primary source.
- Household Support Fund
Am I eligible for the Household Support Fund?
The Household Support Fund is discretionary help administered by your local council in England (devolved nations run their own schemes). Each council sets its own rules, but it generally targets low-income households struggling with food, energy and other essentials. Apply through your council's website.
- Cold Weather Payment
Am I eligible for a Cold Weather Payment?
You get £25 for each seven-day period when the average temperature in your area is recorded or forecast to be 0°C or below, between 1 November and 31 March. It is paid automatically to people on certain benefits such as Pension Credit and some Universal Credit claimants. Scotland runs its own Winter Heating Payment instead.
- Winter Fuel Payment
Am I eligible for the Winter Fuel Payment?
Most people of State Pension age get the Winter Fuel Payment (£200, or £300 if 80+) to help with heating. Following changes, the payment is recovered through the tax system from individuals with income above £35,000, so higher-income pensioners effectively do not keep it. It is usually paid automatically.
- Universal Credit
Am I eligible for Universal Credit?
You can usually claim Universal Credit if you're 18+, under State Pension age, live in the UK, have savings under £16,000 and (with a partner) claim jointly. The detail depends on income, housing costs, health and children.
- Pension Credit
Am I eligible for Pension Credit?
If you're State Pension age and your weekly income is under £227.10 (single) or £346.60 (couple) for 2025/26, you may qualify for Pension Credit (Guarantee Credit). Around 760,000 eligible pensioners don't claim it — and missing out also loses the Winter Fuel Payment from 2024/25.
- Marriage Allowance
Am I eligible for Marriage Allowance?
If you're married or in a civil partnership, one of you earns under the Personal Allowance (£12,570) and the other is a basic-rate taxpayer (earning £12,571–£50,270), you can transfer £1,260 of unused allowance and save up to £252 a year in tax. Backdate up to 4 tax years.
- Help to Save
Am I eligible for Help to Save?
If you're getting Universal Credit (and have take-home pay of £1+ in your last assessment period) or Working Tax Credit, you can open a Help to Save account. Save up to £50 a month for 4 years and get a 50% bonus — up to £1,200 free.
- Lifetime ISA
Am I eligible for a Lifetime ISA?
You can open a Lifetime ISA if you're 18–39 and a UK resident. Pay in up to £4,000 a year (counts towards the £20,000 ISA allowance) and get a 25% government bonus — up to £1,000 a year — to use for a first home (under £450,000) or after age 60.
- Child Benefit
Am I eligible for Child Benefit?
Child Benefit can be claimed for any child under 16 (or under 20 in approved education/training) by the person responsible for them. Higher-rate earners (£60,000+) repay some via the High Income Child Benefit Charge; at £80,000+ income, the full amount is repaid. Claiming (even at zero payment) still records NI credits towards the State Pension for years when the child is under 12.
- Council Tax Reduction
Am I eligible for Council Tax Reduction?
If you're on a low income or claim benefits, you may get up to 100% off your Council Tax through your council's Council Tax Reduction scheme. Each English council sets its own rules; Wales, Scotland and NI run nationwide schemes.
- Warm Home Discount
Am I eligible for the Warm Home Discount?
The Warm Home Discount gives a one-off £150 reduction on your winter electricity bill. In England & Wales it's mostly automatic for households on Pension Credit Guarantee Credit or low income with 'high energy costs'. Scotland operates a separate Core and Broader Group scheme.
- Carer's Allowance
Am I eligible for Carer's Allowance?
You may qualify for Carer's Allowance (£83.30/week, 2025/26) if you spend 35+ hours a week caring for someone on a qualifying disability benefit. From April 2025 you can earn up to £196 a week after tax/NI and certain deductions while claiming.
- Personal Independence Payment (PIP)
Am I eligible for Personal Independence Payment (PIP)?
PIP is for working-age adults (16 to State Pension age) with a long-term physical or mental health condition. There are two components — daily living (£72.65 or £108.55/wk standard/enhanced, 2025/26) and mobility (£28.70 or £75.75/wk). You don't have to be unable to work.
- Residence nil-rate band
Am I eligible for the residence nil-rate band?
An estate qualifies for the £175,000 residence nil-rate band when a qualifying home is left to direct descendants (children, grandchildren or their spouses) on death, and the net estate is no more than £2 million. The band tapers above £2m and is fully lost at £2.35m.