What age do you stop paying Council Tax in the UK?
People under the age of 18 do not have to pay Council Tax. If you and the people you live with are all under 18, the owner of your home can claim an exemption from paying Council Tax. This will end when you, or someone you live with, turns 18.
If you receive the Guarantee Credit part of Pension Credit you may even get your Council Tax paid in full. If you don't get Guarantee Credit but have a low income and less than £16,000 in savings, you may still get some help.
Aged under 18. A prisoner, someone in detention awaiting deportation or detained under mental health legislation. Severely mentally impaired. A full-time student in higher or further education studying for more than 21 hours a week and more than 24 weeks a year.
If you or your partner has reached State Pension age
Council Tax Reduction (CTR) is calculated differently depending on your age and your circumstances. If you or your partner has reached State Pension age, the pension-age CTR rules will usually apply.
People who are considered 'severely mentally impaired' are not counted as adults when working out Council Tax. Severe mental impairment means a permanent condition which severely affects intellectual and social functioning. This can include conditions like Parkinson's, dementia, and learning disabilities.
Do you get Council Tax reduction if you are on PIP?
Council tax discounts
If you get either the daily living or mobility component of PIP, you may get money off your council tax bill. It's hard to say exactly how much you'll get off because it depends on things like the component and rate of PIP you're getting. However, your council will be able to tell you.
How much savings can a pensioner have in the bank in the UK?
There isn't a savings limit for Pension Credit. However, if you have over £10,000 in savings, this will affect how much you receive. If you're a mixed-age couple (meaning only one of you is over State Pension age), you normally have to claim Universal Credit until you've both reached State Pension age.
You may be exempt from paying Council Tax if you are a member of a religious community, for example, a nun or a monk. To be exempt from paying Council Tax, you must not have: an income, except a pension from previous employment. any capital of your own.
You can ask your local council to reduce your council tax because you're struggling. This is called a 'discretionary reduction'. You can apply for a discretionary reduction whether or not you're getting CTR. You can get CTR and a discretionary reduction at the same time.
Class C of the Council Tax (Exempt Dwellings) Order 1992 (S.I. 1992/558) as amended by the Council Tax (Exempt Dwellings) (Amendment) Order 1993 (S.I. 1993/150), provides that a dwelling which is unoccupied and substantially unfurnished is exempt from council tax for up to six months.
If you or someone you live with are over 74 and receive Pension Credit you can apply for a free TV Licence. Pension Credit can be in the name of the licence holder, or in their partner's name if they are a couple. If you or your partner don't receive Pension Credit you'll need to continue to pay for your licence.
You pay tax on your pension if your total annual income adds up to more than your Personal Allowance. For 2024/2025, this means you pay tax on your pension if your income is over £12,570. As a general rule of thumb, you can withdraw up to 25% of your pension pot tax free.
Do you get a reduction in council tax as a pensioner?
If you are a pensioner, you can receive a reduction on your Council Tax bill of up to 100%. This benefit is means tested: a standard weekly income amount is allowed, depending on the number of people in the household and relevant personal circumstances, such as disability.
The over 80 pension is a State Pension for people aged 80 or over. To be eligible you must get either a basic State Pension of less than £105.70 a week, or no basic State Pension at all. It can give you £105.70 a week in the 2025 to 2026 tax year.
At what age do you stop paying National Insurance?
You do not pay National Insurance after you reach State Pension age - unless you're self-employed and pay Class 4 contributions. You stop paying Class 4 contributions at the end of the tax year in which you reach State Pension age.
How much State Pension will I get if I have never worked?
If you have less than 10 years NI contributions, you won't receive any State Pension. If the number of years you have been contributing for is between 10 and 35 years then the amount you receive will be proportionate to the number of years you have been contributing.
How much does the average UK pensioner have in savings?
Average pension wealth peaks when savers are aged between 55 and 74, with about £140,000 tucked away for retirement. It then falls to £59,700 for those aged 75 and over as they start to spend their savings in retirement.
Will my State Pension be reduced if I have savings?
Any money you earn will not affect your State Pension, but it may affect your entitlement to other benefits such as Pension Credit, Housing Benefit and Council Tax Reduction.
Having diabetes doesn't mean you get free dental treatment, but the NHS Low Income Scheme (LIS) means you could get help with dental costs if you are on a low income. Ask your dentist for your Basic Peridontal Examination scores and what they mean. This will help you to monitor your own gum health.
If you have an underactive thyroid (hypothyroidism) you require treatment for, you are entitled to free prescriptions for all your medicines in England. As it is a long-term condition, you can apply for a medical exemption certificate to claim your free prescriptions.
You are entitled to free prescriptions if you or your partner receive the following benefits: Income support. Income-based Job Seekers Allowance. Income-related Employment and Support Allowance.
