Do you live permanently in a residential care home? more info	Yes No
Are you single, one of a couple or a lone parent? more info	Single Couple LP
How much do you and your partner have in savings? more info	�
How old are you (Use partners age if they are older)? more info	-60 60-64 65+
Does Anyone receive carers allowance for looking after you? more info	Yes No
Does Anyone receive carers allowance for looking after your partner? more info	Yes No
Does anyone else live with you? Note exclusions more info	Yes No
Are you registered blind? more info	Yes No
Is your partner registered blind? more info	Yes No
If you have a mortgage how much is the interest? more info	�
Have you applied for a carers allowance but been told that it cannot be paid because you are already receiving another benefit at a higher rate? more info	Yes No
Has your partner applied for a carers allowance but been told that it cannot be paid because they are already receiving another benefit at a higher rate? more info	Yes No

Standard Minimum Guarantee	�	Disclaimer This is a guide to entitlement and not a factual statement. To qualify for benefit you must make a claim. Every effort has been taken to ensure the accuracy of this calculator but Rights Advice Scotland cannot accept liability for losses arising from its use.
Carers Addition	�
Severe Disability Addition	�
Housing Costs (Mortgage Interest)	�
Appropriate Minimum Guarantee (AMG)	�
Deemed Income from capital	�
Total Assessable Income	�
Weekly Guarantee Credit	�
Savings Credit Qualifying Income	�
Savings Credit Threshold	�
Qualifying Income above Threshold	�
60% of Excess Income	�
Maximum Savings Credit	�
Total Income above AMG	�
40% of Excess Income	�
Weekly Savings Credit	�
Total Weekly Pension Credit	�	Printed on

Pension Credit Calculator Version 2005 by Richard Gass and George Meechan
	2005 - 2006
Pension Credit Calculator � 2005

More Info

When you select one of the 'More Info' options on the calculator additional text will be displayed here.

If you are using a text browser the text from all the 'More Info' options will appear in this column and you will need to scroll to the bottom of the page to find the results of a calculation.

Residential Care Home

Care homes include Residential Care Homes and Nursing Homes. Please answer YES if you live permanently in a Care Home.

Single, Couple or Lone Parent

Please check couple if you live with a partner as husband and wife. You do not need to be married.

Savings

Enter the combined savings of you and your partner. Savings includes money you have in a bank or building society, stocks or shares, cash, ISA's, bonds etc. If you live in a care home only include half of any joint capital/savings.

Age

Enter the current age of the claimant or elder member of the couple.

Carers Allowance

This is paid to the carer of someone who gets either:

- Attendance Allowance or

- Disability Living Allowance Care Component at the middle or higher rate.

Living Alone

Do not include joint tenants, boarders, people under 18 years, anyone who is blind or who gets Attendance Allowance or Disability Living Allowance Care at the middle or higher rate.

Registered Blind

Please answer YES if you are registered blind or have been registered blind but come off the register in the last 28 weeks.

Housing Costs

This includes a loan taken out to purchase the home you live in or to carry out essential repairs. It does not include loans for other purposes or for second properties.

You should only include the amount you pay in interest and not endowment insurance or capital repayments.

The Pension Service use standard interest rates and as such their figure may differ slightly.

Underlying Entitlement

Please answer YES if you have applied for Carers Allowance in the past because you look after a severely disabled person but you have been told that you would not receive it as you have another benefit that 'overlaps' with Carers Allowance.

State Retirement Pension

Please include any Basic Retirement Pension plus any additional pension received through SERPS etc.

Do not include any increases paid in respect of children. This will only be relevent to those who are looking after chldren and were claiming before April 2003

Incapacity Benefit and Severe Disablement Allowance

Please include any Incapacity Benefit you receive including any age addition. Also include any Severe Disablement Allowance you receive.

Do not include any increases paid in respect of children. This will only be relevent to those who are looking after chldren and were claiming before April 2003.

Adviser Note: This income does not count as qualifying income for Savings Credit.

Carers Allowance

This is paid to the carer of someone who gets Attendance Allowance or Disability Living Allowance Care at the middle or higher rate.

Do not include any increases paid in respect of children. This will only be relevent to those who are looking after chldren and were claiming before April 2003.

Widows Pension & Bereavement Allowance

This benefit is paid to some widows who's partner died before 09/04/01.

Widowed Mothers / Parents Allowance

Paid to widows who are pregnant or to widows and widowers who have qualifying children.

Do not include any increases paid in respect of children. This will only be relevent to those who are looking after chldren and were claiming before April 2003.

Industrial Injuries

This is paid to people who have had an industrial accident or suffer from and industrial disease. Include any Reduced Earnings Allowance and Retirement Allowance and Industrial Death Benefit.

Do not include Constant Attendance Allowance or Exceptionally Severe Disablement Allowance.

Maintenance

Only include spousal maintenance not child maintenance.

Contributory Jobseekers Allowance

Only include Contributory Jobseekers Allowance do not include Income Based Jobseekers allowance.

Adviser Note: This income does not count as qualifying income for Savings Credit.

Working Tax Credit

Only include Working Tax Credit and not Child Tax Credit.

War Widows / Widowers Pension

Paid to the widows or widowers of those receiving a War Pension or would have got one if they had claimed.

Do not include any special/supplementary allowance where paid.

War Disablement Pension and foreign equivalents

This is paid to those who have suffered an injury as a result of military service.

Adviser note �10.00 per week is disregarded

War Disablement Pension and foreign equivalents

This is paid to those who have suffered an injury as a result of military service.

War Pension Mobility Supplement.

Paid to those who have a walking disability as a result of a war injury.

Maternity Allowance

This may be paid to pregnant women who are not entitled to Statutory Maternity Pay.

Adviser Note: This income does not count as qualifying income for Savings Credit.

Occupational Pension

This is a pension received as a result of your employment.

Net Earnings from Work

This is Gross Earnings less Tax and NI Contributions and half of any Occupational Pension contributions made. This should also include Statutory Sick Pay, Statutory Paternity Pay, Statutory Adoption Pay and Statutory Maternity Pay.

Other income

Only use this box for income that is not specifically covered in the boxes above.

Also do not include any of the following:

Child benefit
Guardians Allowance
Child Tax Credit
Housing Benefit
Council Tax Benefit
Social Fund Payments
War Widows Special or Supplementary Pension
Student Grants and Loans
Cash in Lieu of Coal
Actual Interest from savings
Payments from Social Work

Attendance Allowance

This is paid to people over the age of 65 who require help with personal care or require supervision.

Lower Rate:
�40.55 per week or
�162.20 per 4 weeks.

Higher Rate:
�60.60 per week or
�242.40 per 4 weeks.

Adviser Note This is disregarded as income for Pension Credit but may give entitlement to a severe disability addition.

Disability Living Allowance

This is paid to people who claim before their 65th birthday to help with care and mobility.

lower Rate Care:
�16.05 per week or
�64.20 per 4 weeks.
Middle Rate Care:
�40.55 per week or
�162.20 per 4 weeks.
Higher Rate Care:
�60.60 per week or
�242.40 per 4 weeks.

Mobility Lower Rate: �16.05 per week or
�64.20 per 4 weeks.
Higher Rate:
�42.30 per week or
�169.20 per 4 weeks.

Adviser Note This is disregarded as income for Pension Credit but may give entitlement to a severe disability addition.

Information

This calculator has applied appropriate disregards to earnings and benefits and has converted all values into weekly amounts. As such some of the figures input will differ from the values on the results page.

For asistance to make a claim you should contact your local advice agency.

The Pension Service have a free phone telephone number for making claims
0800 991234