It's really important to check you're getting all the benefits you're entitled to, including Pension Credit. Visit the Citizens Advice website, which can help you check if you're getting everything you're entitled to.
If you get winter fuel payments
If you get Winter Fuel Payments and you're over State Pension age, you'll get an extra £300. This will come with your usual Winter Fuel Payment in November or December.
You should start receiving Winter Fuel Payment automatically once you reach State Pension age, but sometimes you may need to apply. You can find out how to apply for Winter Fuel Payment on Gov.UK.
Accessing your pension
You might be able to take some money from your pension savings to help pay for essential costs or to pay off your debts.
Taking money from your pension will mean you have less income when you retire. If you’re getting benefits, taking money from your pension could affect your claim.
You can get free guidance on your pension options from Pension Wise. They’ll explain the different options so you can decide which is best for you.
You should also get financial advice before taking any money from your pension savings - you’ll have to pay.
You can check how to find a financial adviser - they can tell you which option is best for you.
Further advice and support
You can get further advice and support from Age UK. Visit their website for details.