State pensioners in the UK may not be aware of several valuable benefits and discounts they could be eligible for. These services could ease financial pressures and enhance their quality of life without any extra cost. These services cover a wide range of areas, from transport and prescriptions to TV licences and more. Best of all, none of these perks require repayment.

The State Pension is not means-tested, meaning it is not based on your income or savings. The amount a person receives depends on their National Insurance (NI) record. To qualify for a State Pension, you need at least 10 years of National Insurance contributions, and to get the full amount, you need to have contributed for around 35 years. However, those who fall short of these benchmarks might be missing out on other support options available to them.

Here are nine support schemes worth a maximum of £7,814 that pensioners should consider taking advantage of.

1. Discounted Travel – £1,084

For those who rely on public transport, the Senior Railcard is one of the best discounts available. This card gives you a third off most train fares, and while it costs £30 to buy, the average railcard holder saves £96 per year. This discount is great for those who travel regularly by train, but it doesn’t stop there. If you combine the railcard with savings on bus travel, seniors can save well over £1,000 annually.

Additionally, Age UK provides support through its free Advice Line, which is open from 8 a.m. to 7 p.m., 365 days a year. You can call them for information on how to make the most of available travel discounts and general guidance on other benefits.

2. Free Passport – £94.50

If you were born before September 2, 1929, and are a senior citizen, you’re eligible for a free passport, which typically costs £94.50. In addition to skipping the fee, qualifying seniors also receive a complimentary Post Office Check and Send service, as well as secure delivery.

This initiative was rolled out by the government in 2004 to honor British citizens who were at least 75 years old, particularly those who were 16 or older by the end of World War II. The policy aimed to recognize the wartime efforts of senior citizens, but there have been repeated calls for expanding this offer to all seniors. However, the government has yet to extend it, warning that doing so could raise passport fees for everyone else.

3. Free Prescriptions – Worth £114.50 Annually

Once you turn 60, you’re entitled to free prescriptions. The value of this benefit adds up over time—potentially saving you up to £114.50 annually. For those under 60, you can still save on prescription costs by purchasing prescription prepayment certificates, which cover all your prescriptions for a specific period.

Additionally, if you’re over 60, you also qualify for a free NHS sight test. It’s important to let your optician know when you turn 60 so you can take advantage of this benefit, as well as any other health-related support.

4. Free Eye Tests – £25

Eye tests are another valuable benefit available to those aged 60 and over. Normally costing between £20 and £25, free NHS eye tests can help seniors save money on eye care. Additionally, seniors can access help with NHS costs through the NHS Low Income Scheme. If you’re eligible for this scheme, you could receive an HC2 certificate for full help or an HC3 certificate for partial help.

To qualify for this, you may need to show proof of age or a benefit award letter when booking your appointment or attending a test. This simple benefit can add to your overall savings while ensuring you get the essential eye care you need.

5. National Insurance Exemption – £1,851.20

Once you reach State Pension age, you become exempt from paying National Insurance (NICs). For instance, if you earn £20,000 a year, you could save approximately £594 in NICs once you reach pension age. For someone with a £40,000 salary, this could mean a saving of up to £2,194 annually.

The exemption from paying NICs helps pensioners keep more of their income, which can be crucial for those relying on a fixed income. This savings can be a substantial boost to your overall financial situation.

6. Pension Credit – £4,300

Pension Credit is a means-tested benefit for people over the State Pension age who have a low income. It’s divided into two parts: Guarantee Credit and Savings Credit. By claiming Pension Credit, you may also become eligible for additional benefits, such as help with health costs and housing assistance. Pension Credit recipients are also eligible for the Winter Fuel Payment, which is worth £300.

If you haven’t claimed Pension Credit before, it’s definitely worth looking into. Even if you’ve been turned down in the past, you can reapply each year. You have nothing to lose by applying, and potentially a lot to gain, including access to further financial support.

7. Free TV Licence – £174.50

Seniors aged 75 and over who are in receipt of Pension Credit are entitled to a free TV licence, which usually costs £174.50 annually. Additionally, you could qualify for a Cold Weather Payment if you experience particularly cold spells during the winter.

This TV licence benefit is a significant cost saver and can help with financial flexibility. Remember, you must be over 75 and receiving Pension Credit to qualify for this benefit.

8. Free NHS Dental Treatment – Save £26.80

Free NHS dental treatment is available to pensioners who receive Pension Credit. This can save you around £26.80 for a routine checkup and treatment. If you’re not receiving Pension Credit but are on a low income, you may still be eligible for assistance through the NHS Low Income Scheme. You can apply for this scheme online or by post.

Accessing free dental care can help prevent the high costs of private dental treatment while maintaining good oral health.

9. Discounted Broadband – Save £142.92

Many broadband providers now offer discounted social tariffs for those on a tight budget. These discounted plans are available to seniors and can cost as little as £14.99 per month, compared to the average cost of £26.90 per month for regular broadband services.

Over the course of a year, you can save £142.92 by taking advantage of these discounted broadband plans. Additionally, these plans typically include line rental, providing even more savings.

Making the Most of These Benefits

The combined value of these benefits and discounts could add up to £7,814 annually, which can significantly ease financial pressures. To ensure that you’re receiving all the benefits you’re entitled to, it’s important to regularly check your eligibility and claim what you deserve. These benefits help cover many essential costs, from travel and health care to everyday living expenses.

To make sure you don’t miss out, contact Age UK or the relevant authorities to find out more about each benefit and how to apply. These perks can help ensure that you’re not only living comfortably but that you’re also maximizing your income in retirement.