Universal Credit or Pension Credit?

Question

Accepted Answer

Universal Credit is for a working-age household. Pension Credit is for a person who has reached State Pension age. If one person in a couple is under that age, the usual route is Universal Credit, not Pension Credit. State Pension itself is separate. It is paid from National Insurance, and it is not the same claim as Pension Credit. A person over State Pension age who rents may still need Housing Benefit. Universal Credit does not cover that household. Run the check with both ages. The catalogue does not guess a mixed-age couple beyond that rule.