Free NHS prescriptions for over-60s under threat – five benefits for pensioners to note | Personal finance | Finance

Proposals to raise the age of free NHS prescription in England from 60 to state pension age have spooked many under that age as they battle to budget another six years of prescription payments. Many state benefits and benefits are only available to older Britons once they reach retirement age, but a few other benefits and benefits are available to over-60s in some areas from the country.

The proposal to raise the age of free prescription was announced around the same time as eligibility for free TV licenses for over-75s changed.

In a blow to Britons over 60 but below statutory retirement age, leaving millions in the six-year gap worried about whether they would be able to make ends meet when their retirement benefits come into effect.

Reaching state pension age opens up a range of state benefits and freebies for older Britons, the most recognizable of which is the state pension.

State pension

State pensions often form a significant part of a person’s retirement income and are linked to individual national insurance records.

This means that a person’s professional career affects not only his occupational pension, but also his income from the state pension.

There are two types of state pension currently available depending on age, the basic state pension requiring 30 years of qualifying years and the new state pension requiring 35 years to receive the full amount – well that some may receive a different amount.

Pre-retirees who find that their National Insurance record is lower than these years can pay voluntary contributions to top it up, thus reaching the full amount of the state pension.

Additionally, having claimed certain benefits or credits during their lifetime may also count against their National Insurance record.

These include family allowances, jobseeker’s allowance and carer’s allowance.

Those who are not entitled to full state pension amounts, or who have a weekly income of less than £173.75 for individuals or £265.20 for couples and have less than £10,000 investments or savings could apply for a pension credit.

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Free eye exams and dental care

As free prescriptions could potentially be snatched away from people aged 60 to 66, this age group can still benefit from free NHS eye tests and dental care.

To qualify, people over 60 must claim the Guarantee Credit element of the Pension Credit if they are over 66 and other benefits if they are under the legal retirement age. retirement.

Free TV license

Free TV licenses are available for people over 75 who claim a pension credit, but there are other ways for people over 60 to get it.

Those over 60 living in a nursing home can receive a free TV license while those who only use their radio do not need a TV license at all.

Additionally, those over 60 who have a severe visual impairment and who are registered as blind can benefit from a 50% discount on their TV licence.

Public transport

England’s over 60 free bus pass also appears to be on the chopping block, but other concessions for older people on public transport are still available.

Over-60s in Scotland, Wales or Northern Ireland can receive a free bus pass as well as free fares on ferries and trains in Wales and Scotland.

Over 60 London Oyster Photocards provide free travel on buses, Tubes, trams and the Underground.

Heater

There are a range of benefits available to the general UK public to help with heating, although a few additional options are available to older people.

The Winter Fuel Payment is an automatic tax-free sum, and it’s available to people on state pension, pension credit, jobseeker’s allowance, and a few other benefits.

Cold weather payments of £25 are available for every seven days of incredibly cold weather, below zero degrees, between November 1 and March 31.

The Warm Home Discount scheme is one of the few non-automatic heating benefits that offers a £140 reduction on winter electricity bills.

For the Warm Home discount, those claiming the pension credit will have the amount automatically deducted while others will need to refer to their provider.