staff-021: What are the eligibility rules and entitlement rate for PC?
Awaiting specialist review · evidence insufficient · no AI answer.
This is a review aid made from independently located source candidates. It does not alter Ask OKF retrieval.
Review needs
- Entitlement conditions and a dated rate/amount model with the difference between standard figures and actual award preserved.
- PC must be resolved as Pension Credit; rate may mean minimum guarantee, Savings Credit or actual award.
- The effective date and household/rate variants are not specified.
Candidate evidence
source-c008: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 14
Official source · Exact excerpt and hashes
Captured Pension Credit entitlement conditions; statutory and transitional dependencies remain.
77031 A claimant is entitled to SPC if they1
1. are in GB and
2. have reached the qualifying age and
3. satisfy the conditions to get a GC or SC and
4. are not a member of a
4.1 couple where the other member is entitled to SPC or
4.2 mixed-age couple (see DMG 77035 and 77140)
4.3 polygamous marriage (see DMG 77016) where the other party to the marriage or the additional
spouse are members of the same household and entitled to SPC (but see DMG 77140 et seq) and
5. have made a valid claim2 and
6. where relevant, their partner, satisfy the NI provisions (see DMG Chapter 02) 3.
1 SPC Act 02, s 1(2) & 4(1) & (1A); SPC Regs, Sch III, para 1(3); 2 SS A Act 92, s 1(1) & (4); 3 s 1(1A)
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source-c009: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 15
Official source · Exact excerpt and hashes
Age, GB presence and mixed-age-couple conditions with savings provisions and routes.
77035 For the purposes of entitlement to SPC, a mixed-age couple is one where one member has
reached the qualifying age and the other has not.1 This definition includes a polygamous marriage where
at least one party to the polygamous marriage has reached the qualifying age and at least one party has
not2.
Note 1: This definition applies only to new claims to SPC from 15.5.19. Savings provisions have effect as
though the exclusion of mixed-age couples from SPC had not come into force 2. So a member of a mixed-
age couple who was entitled to SPC or pension age HB or both on 14.5.19, continues to be so entitled on
or after 15.5.19. The savings provisions cease to have effect to a member of a mixed-age couple on or
after 15.5.19 when that person is no longer entitled to SPC or pension age HB as part of the same mixed-
age couple.
Note 2: Where one of a mixed age couple is a PSIC, SPC is paid to the claimant as a single person. 3
However, if entitlement to HB arose before 15.05.19, and that HB is in payment to them as a couple then,
once the partner is no longer a PSIC, they can be a couple for SPC.
Note 3: For detailed guidance on the treatment of mixed-age couples where a claimant who has reached
the SPC qualifying age would otherwise not be entitled to SPC or UC, see DMG 77140 et seq.
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source-c012: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 33
Official source · Exact excerpt and hashes
Guarantee Credit and Savings Credit calculation inputs are distinct; no formula executable from this isolated page.
77303 If there are
1. any additions to the SMG, the total amount of GC will be the appropriate minimum guarantee (AMG)
2. no additions to the SMG, the SMG will be the AMG and the total amount of GC will be the amount of
the AMG
less any income relevant to the SPC income assessment. See DMG 77330 et seq for guidance on how to
work out the amount of GC payable.
Savings credit
77304 The amount of SC depends on1
1. the level of the claimant’s income and
2. the amount of the
2.1 claimant’s qualifying income (QI) and
2.2 savings credit threshold (SCT) and
2.3 AMG and
2.4 maximum savings credit (MSC).
See DMG 77353 et seq for guidance on how to work out the amount of SC payable.
1 SPC Act 02, s 3
77305 - 77329
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source-c015: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 59
Official source · Exact excerpt and hashes
Historical rate-period candidate; continuation page 60 is needed for additional amounts.
Guarantee credit from 12.04.21
Standard minimum guarantee (see DMG 77331)
47 Amount of SMG from 12.04.21
1. Claimant who has no partner £177.10
2. Claimant and one partner (if appropriate) £270.30
3. Each additional spouse in a polygamous marriage case £93.20
4. Prisoners Nil
5. Members of religious orders fully maintained by their order Nil
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source-c016: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 60
Official source · Exact excerpt and hashes
Historical additional amounts; not the similarly named Severe Disablement Allowance benefit.
48 Prescribed additional amounts from 12.04.21
1. Severely disabled
1.1 lower rate £67.30
1.2 higher rate £134.60
2. Carer £37.70
3. Transitional amount for former claimants of IS/JSA(IB) - see DMG 78120
4. Housing costs - see DMG 78170 et seq.
Savings credit
Savings credit threshold (see DMG 77356)
49 Amount of SCT from 12.04.21
1. Claimant who has no partner £153.70
2. Claimant who has a partner £244.12
3. Polygamous marriage cases £244.12
Prescribed percentages
50 Prescribed percentages from 12.04.21
For the purposes of determining
1. The MSC (see DMG 77363) 60%
2. Amount A (see DMG 77371 2.) 60%
3. Amount B (see DMG 77373 1.) 40%
Maximum savings credit from 12.04.21
51 The MSC is a fixed percentage of the difference between the SMG and the SCT (see DMG 77363).
From 12.04.21, that percentage is 60%.
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source-c017: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 61
Official source · Exact excerpt and hashes
Historical 2022 rate-period candidate; continuation page 62 is needed.
Guarantee credit from 11.04.22
Standard minimum guarantee (see DMG 77331)
52 Amount of SMG from 11.04.22
1. Claimant who has no partner £182.60
2. Claimant and one partner (if appropriate) £278.70
3. Each additional spouse in a polygamous marriage case £96.10
4. Prisoners Nil
5. Members of religious orders fully maintained by their order Nil
6. People in hospital - see DMG 78700 et seq.
Additional amounts (see DMG Chapter 78)
53 Prescribed additional amounts from 11.04.22
1. Severely disabled
1.1 lower rate £69.40
1.2 higher rate £138.80
2. Carer £38.65
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source-c018: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 62
Official source · Exact excerpt and hashes
Historical rate-table continuation.
54 Amount of SCT from 11.04.22
1. Claimant who has no partner £158.47
2. Claimant who has a partner £251.70
3. Polygamous marriage cases £251.70
Prescribed percentages
55 Prescribed percentages from 11.04.22
For the purposes of determining
1. The MSC (see DMG 77363) 60%
2. Amount A (see DMG 77371 2.) 60%
3. Amount B (see DMG 77373 1.) 40%
Maximum savings credit from 11.04.22
56 The MSC is a fixed percentage of the difference between the SMG and the SCT (see DMG 77363).
From 11.04.22, that percentage is 60%.
So from 11.04.22 the amount of the MSC is as follows
1. claimant with no partner £182.60 SMG - £158.47 SCT x 60% = £14.48
2. claimant with a partner £278.70 SMG - £251.70 SCT x 60% = £16.20
3. polygamous marriages £278.70 SMG - £251.70 SCT x 60% = £16.20
4. prisoners Nil
5. members of religious orders fully maintained by their order (see DMG 78680) Nil
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source-c019: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 63
Official source · Exact excerpt and hashes
Historical 2023 rate-period candidate; continuation page 64 is needed.
Guarantee credit from 10.04.23
Standard minimum guarantee (see DMG 77331)
57 Amount of SMG from 10.04.23
1. Claimant who has no partner £201.05
2. Claimant and one partner (if appropriate) £306.85
3. Each additional spouse in a polygamous marriage case £105.80
4. Prisoners Nil
5. Members of religious orders fully maintained by their order Nil
6. People in hospital - see DMG 78700 et seq.
Additional amounts (see DMG Chapter 78)
58 Prescribed additional amounts from 10.04.23
1. Severely disabled
1.1 lower rate £76.40
1.2 higher rate £152.80
2. Carer £42.75
3. Transitional amount for former claimants of IS/JSA(IB) - see DMG 78120
4. Housing costs - see DMG 78170 et seq.
Savings credit
Savings credit threshold (see DMG 77356)
59 Amount of SCT from 10.04.23
1. Claimant who has no partner £174.49
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source-c020: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 64
Official source · Exact excerpt and hashes
Historical 2024 rate-period candidate; continuation pages 65 and 66 are needed.
Guarantee credit from 08.04.24
Standard minimum guarantee (see DMG 77331)
62 Amount of SMG from 08.04.24
1. Claimant who has no partner £218.15
2. Claimant and one partner (if appropriate) £332.95
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source-c021: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 65
Official source · Exact excerpt and hashes
Historical additional amounts and thresholds.
63 Prescribed additional amounts from 08.04.24
1. Severely disabled
1.1 lower rate £81.50
1.2 higher rate £163.00
2. Carer £45.60
3. Transitional amount for former claimants of IS/JSA(IB) - see DMG 78120
4. Housing costs - see DMG 78170 et seq.
Savings credit
Savings credit threshold (see DMG 77356)
64 Amount of SCT from 08.04.24
1. Claimant who has no partner £189.80
2. Claimant who has a partner £301.22
3. Polygamous marriage cases £301.22
Prescribed percentages
65 Prescribed percentages from 08.04.24
For the purposes of determining
1. The MSC (see DMG 77363) 60%
2. Amount A (see DMG 77371 2.) 60%
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source-c022: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 66
Official source · Exact excerpt and hashes
Historical 2025 rate-period candidate; continuation pages 67 and 68 are needed.
Guarantee credit from 07.04.25
Standard minimum guarantee (see DMG 77331)
67 Amount of SMG from 07.04.25
1. Claimant who has no partner £227.10
2. Claimant and one partner (if appropriate) £346.60
3. Each additional spouse in a polygamous marriage case £119.50
4. Prisoners Nil
5. Members of religious orders fully maintained by their order Nil
6. People in hospital - see DMG 78700 et seq.
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source-c023: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 67
Official source · Exact excerpt and hashes
Historical additional amounts and thresholds.
68 Prescribed additional amounts from 07.04.25
1. Severely disabled
1.1 lower rate £82.90
1.2 higher rate £165.80
2. Carer £46.40
3. Transitional amount for former claimants of IS/JSA(IB) - see DMG 78120
4. Housing costs - see DMG 78170 et seq.
Savings credit
Savings credit threshold (see DMG 77356)
69 Amount of SCT from 07.04.25
1. Claimant who has no partner £198.27
2. Claimant who has a partner £314.34
3. Polygamous marriage cases £314.34
Prescribed percentages
70 Prescribed percentages from 07.04.25
For the purposes of determining
1. The MSC (see DMG 77363) 60%
2. Amount A (see DMG 77371 2.) 60%
3. Amount B (see DMG 77373 1.) 40%
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source-c024: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 68
Official source · Exact excerpt and hashes
Historical rate-table continuation; not a current-rate guarantee.
Maximum savings credit from 07.04.25
71 The MSC is a fixed percentage of the difference between the SMG and the SCT (see DMG 77363).
From 07.04.25, that percentage is 60%.
So from 07.04.25 the amount of the MSC is as follows
1. claimant with no partner £227.10 SMG - £198.27 SCT x 60% = £17.30
2. claimant with a partner £343.60 SMG - £314.34 SCT x 60% = £19.36
3. polygamous marriages £343.60 SMG - £314.34 SCT x 60% = £19.36
4. prisoners Nil
5. members of religious orders fully maintained by their order (see DMG 78680) Nil
6. people in hospital - see DMG 78700.
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source-c014: DMG Vol 13 Ch 77: Conditions of entitlement, membership of the household and normal amount payable — PDF page 44
Official source · Exact excerpt and hashes
Appendix advertises historical uprating periods through April 2025; does not alone supply 2026/27 rates.
Guarantee credit from 7.04.25
1 This Appendix gives details of the rates and percentages to be used in the calculation of entitlement to
SPC.
Guarantee credit from 9.04.12
Standard minimum guarantee (see DMG 77331)
2 Amount of SMG from 9.04.12
1. Claimant who has no partner £142.70
2. Claimant and one partner (if appropriate) £217.90
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source-c025: DMG Memo 02/26: Rates for Income Tax, Benefit Rates and Social Security Contributions from April 2026 — PDF page 2
Official source · Exact excerpt and hashes
Captured 2026 memo routes main benefit rates to a separate uprating schedule and desk aids; this page is not the complete schedule.
2. Any new rates of IS/JSA/ESA/SPC will apply from the first day of the first benefit week which
commences on or after 06.04.26. DMs can find the new rates in the benefit uprating schedule and
benefit desk aids and should bear them in mind when reading examples in the ADM that contain benefit
rates.
Housing costs non-dependant contribution – IS/JSA/ESA/SPC
3. Where a non-dependant lives with the claimant, a contribution may be appropriate. The contribution is
made in the form of a deduction from the allowable housing costs1. (see DMG 23756, DMG 44586 or
DMG 78500 et seq) The new rates of deduction are:
Gross weekly income Deduction
less than £192.00 £20.40
Not less than £192.00 but less than £279 £46.85
Not less than £279 but less than £365 £64.35
Not less than £365 but less than £485 £105.20
Not less than £485 but less than £605 £119.85
£605 or more £131.45
1 IS Regs, Sch 3, para 18; JSA Regs, Sch 2, para 17; ESA Regs, Sch 6, para 19; SPC regs, Sch II,
para 14
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Observed retrieval
The retained run selected 62 records, using 492,174 bytes. It retained 0 of 15 independently located candidate pages. This measures candidate overlap, not substantive correctness.
Review checklist
- [ ] Resolve benefit, variant, time period and claimant circumstances without inventing missing facts.
- [ ] Check each exact source passage and its adjacent pages against the official PDF.
- [ ] Locate every condition, exception, qualification and cross-reference needed for the declared question.
- [ ] Reconcile relevant legislation, amendments, ADM/DMG regime and effective dates.
- [ ] Record each supported claim against exact evidence IDs, with contradicting or missing evidence separately.
- [ ] Keep the answer insufficient until evidence requirements and claim-level assessment justify a bounded conclusion.
Boundaries
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