HELPING HAND
Exact code to look out for when £300 Winter Fuel Payment lands in bank accounts in weeks
Read our article to find out how much you can get
OVER one million pensioners still eligible for the winter fuel payment should look out for an exact code signalling it has landed in bank accounts within weeks.
The cash offers crucial support to pensioners struggling to afford energy bills over the colder months and is worth up to £300.
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Those who are eligible for the benefit should have either received a letter, or will get one in the coming month, telling them how much they will be paid.
Payments will then be made automatically in November or December.
Previously, the winter fuel payment was available to anyone of state pension age, which is currently 66, but this autumn the government scrapped the scheme for millions.
Now pensioners must also be in receipt of pension credit or certain other means-tested benefits to qualify for the payment.
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If you are still eligible for the winter fuel payment you should look out for a particular code on your bank statement to see that the payment has been made.
For those living in England and Wales, the payment will appear as the customer's National Insurance (NI) number followed by "DWP WFP".
Whereas those in Northern Ireland should look for their NI number followed by "DFC WFP".
For example if you live in England and your NI number is QQ123456B the payment would show up as QQ123456B DWP WFP.
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If you don't think your winter fuel payment has come through, check for this code in your bank statement before consulting the Department for Work and Pensions (DWP).
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And if you haven't yet checked whether you meet the new criteria for the payment, make sure you're up to date.
Pensioners who are worried about missing out on the payment this winter can seek support from a long list of schemes - which will also be detailed at the end of this article.
What is the winter fuel payment and who is eligible?
The winter fuel payment is issued to state pensioners on certain benefits to help cover the cost of hiked up energy bills over the colder months.
This is because households tend to use more energy for heating as temperatures drop.
The payment, which is made in November or December, is automatic meaning you don't need to apply.
Those on Universal Credit with a joint claim where one member was over the state pension age previously had to apply to get the payment.
To automatically qualify this year, you need to be of state pension age and in receipt of one of the following benefits:
- Pension Credit
- Universal Credit
- income-related Employment and Support Allowance (ESA)
- income-based Jobseeker’s Allowance (JSA)
- Income Support
- Child Tax Credit
- Working Tax Credit
You must have an active claim for these benefits during the "qualifying week" which is from September 16 to 22 this year.
You only need to apply this year if:
- you moved to an eligible country before January 1, 2021
- you were born before September 23, 1958
- you have a genuine and sufficient link to the UK - this can include having lived or worked in the UK and having family in the UK
Households can claim by phone from October 28 via the number 0800 731 0160.
They have until March 31, 2025 to do this.
Or to claim by post, you'll need to fill in the winter fuel payment claim form and post it to the Winter Fuel Payment Centre.
This is available at www.gov.uk/winter-fuel-payment/how-to-claim.
What energy bill help is available?
There's a number of different ways to get help paying your energy bills if you're struggling to get by.
If you fall into debt, you can always approach your supplier to see if they can put you on a repayment plan before putting you on a prepayment meter.
This involves paying off what you owe in instalments over a set period.
If your supplier offers you a repayment plan you don't think you can afford, speak to them again to see if you can negotiate a better deal.
Several energy firms have grant schemes available to customers struggling to cover their bills.
But eligibility criteria vary depending on the supplier and the amount you can get depends on your financial circumstances.
For example, British Gas or Scottish Gas customers struggling to pay their energy bills can get grants worth up to £2,000.
British Gas also offers help via its British Gas Energy Trust and Individuals Family Fund.
You don't need to be a British Gas customer to apply for the second fund.
EDF, E.ON, Octopus Energy and Scottish Power all offer grants to struggling customers too.
Thousands of vulnerable households are missing out on extra help and protections by not signing up to the Priority Services Register (PSR).
The service helps support vulnerable households, such as those who are elderly or ill, and some of the perks include being given advance warning of blackouts, free gas safety checks and extra support if you're struggling.
Get in touch with your energy firm to see if you can apply.
More energy help for pensioners
In response to the government's slash to the winter fuel payments, Octopus Energy has launched a scheme offering discretionary credit of between £50 and £200 to pensioners.
British Gas has also set aside over £140 million this winter for its Individual and Families Support Fund.
And Scottish Power's Hardship Fund has handed out more than £60 million to its struggling customers.
To find out what you can get, check the offers from your own supplier first by going to their website or asking someone on the phone.
Most schemes are exclusive to customers, but the British Gas Individual and Families fund is available to everyone if your own supplier can't help.
Help can also be accessed from your local council via the Household Support Fund, which has renewed a fresh pot of £421 million finding for vulnerable households.
To find out if you are eligible, go to your council's website and read over the conditions of the scheme.
If you're just looking for simple ways to reduce your bill this winter, each of these supplier schemes, as well as the Household Support Fund also offer free electric blankets as part of their deal.
For example, Octopus have said they will distribute 20,000 electric blankets from Dreamland to its most vulnerable customers, keeping them warm for "as little as 3p an hour".
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The "heat yourself not your home" approach is trending fast, with retailers such as B&M introducing ranges of affordable self-heating appliances.
However, it is important to note that the elderly should not avoid turning the heating on if they are cold - for energy help contact your provider or local council, or read our article here.
Do you have a money problem that needs sorting? Get in touch by emailing [email protected].
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