The average Pension Credit award is worth over £3,500 a year and those who claim by 18 December could also be entitled to an extra £324 cost of living payment
Minister for Pensions Laura Trott urges pensioners to check if they qualify for Pension Credit
Claims can be made online and over the phone, with the Pension Credit calculator on hand to help pensioners see if they’re likely to be eligible and get an estimate of what they may receive.
Minister for Pensions Laura Trott is today calling on pensioners across the country to check if they are entitled to Pension Credit as soon as possible to ensure they stand the best chance of qualifying for an extra £324 cost of living payment.
Checking eligibility and applying by 18 December 2022 – just ten days away – will mean pensioners could also receive a £324 boost thanks to Pension Credit backdating rules.
This is because successful Pension Credit claims can be backdated for up to 3 months – as long as the applicant was also eligible to receive it during that time.
The average Pension Credit award is worth over £3,500 a year and even a small Pension Credit award can provide access to a wide range of other benefits – such as help with housing costs, council tax or heating bills – in addition to the extra cost of living payments.
Minister for Pensions Laura Trott said: “The run up to Christmas is always a busy time, but one thing to make sure that’s on your list over the coming days is to find out whether you or your loved ones could be eligible for Pension Credit.
“Pension Credit can make a real difference and I am determined to make sure this support – worth an average of £3,500 per year – is reaching everyone who needs it.”
Pension Credit is designed to help people over State Pension age and on a low income with daily living costs, though you do not need to be in receipt of State Pension to receive it.
It tops up a person’s income to a minimum of £182.60 per week for single pensioners and to £278.70 for couples.
To ensure that a successful backdated claim falls within the qualifying period for the extra £324 cost of living help, eligible pensioners are being urged to claim Pension Credit by no later than 18 December 2022.
Currently, around 1.4 million pensioners in Britain receive Pension Credit. However, many are still not claiming this extra financial help.
One of those who recently claimed is Arthur from Lincolnshire. After learning about Pension Credit from his neighbour, Arthur successfully applied by calling the Pension Credit claim line on 0800 99 1234.
Arthur said: “Highly delighted with the Pension Credit award we received – the money was quicker arriving than expected and all in all very pleased with the result. I’d really encourage other pensioners to check if they’re eligible – it’s made a real difference to me.“
Pension Credit can be claimed by phone and online, ensuring that older people can apply safely and easily, wherever they are. The online Pension Credit calculator is also on hand to help pensioners check if they’re likely to be eligible and get an estimate of what they may receive.
Less than one in five pension planners have confidence in the new government
Scots do not think the government is capable of restoring pension security, according to new research from My Pension Expert.
The at-retirement adviser surveyed 2,000 adults aged 40 and above. It found that nearly half (44%) of Scottish pension planners think the government will be unable to stabilise the pensions market, despite Rishi Sunak and Jeremy Hunt’s attempts to restore faith in the UK economy. Just 14% have confidence in the government’s plans.
Almost half (47%) of those surveyed believe the current financial crisis has negatively impacted their retirement strategy. Nearly a third (30%) said they had now lost confidence in their pension scheme.
70% said that the recent turmoil in Westminster is distracting from the cost-of-living crisis.
As winter approaches, rising energy bills were listed as the greatest financial concern amongst 67% of Scottish pension planners. The majority of those surveyed have already started implementing a range of cost-cutting measures[1].
Nearly two thirds (63%) have avoided turning on their heating, despite temperatures dropping. Over two fifths (41%) have taken fewer showers or baths, while 1 in 5 (21%) have even gone as far as to skip meals.
Andrew Megson, CEO of My Pension Expert said: “Inflation is at record levels and expected to remain in double figures for the foreseeable future. Adding increased interest rates and constant chaos in Westminster, people are understandably desperate for reassurances. It is little wonder that public confidence has plummeted.
“The government must take action to protect retirees and pension planners. Being consistent with its policies would be a strong start. So too would providing Britons with the right tools to understand their financial situation and safeguard their hard-saved money – prioritising the launch of the pension dashboard and granting individuals access to affordable independent financial advice would be a positive step in this regard. Such action would help people to understand their financial situation and take steps to improve their financial situation.
“As winter arrives, people are understandably concerned about their immediate and future finances. So, the government must prioritise outlining a clear plan to support retirees and pension planners to understand their financial situation. That would mark a powerful statement that the government is putting savers first and even begin to reinstate some public confidence.”
In response to the rising cost of living, thanks to funding from The Edinburgh Wellbeing Pact ‘Coorie in for Winter’ fund, LifeCare is opening a Warm Space for the community this winter.
We will be welcoming people to join us in our cosy cafe space at the LifeCare Centre in Stockbridge on Saturdays and Sundays between 3.30pm and 6.30pm. We will be offering free soup and hot drinks as well as board games and books to enjoy.
With the cost of living crisis weighing heavily upon people’s minds and the expense of Christmas adding up, many people are understandably worried about how they will afford to pay for even basic essentials in January. And so, one local Community Interest Company is acting now to alleviate that anxiety with the launch of their free unform exchange.
Taking place at The Leith Collective stores in Edinburgh’s Ocean Terminal and Fort Kinnaird as well as the Glasgow’s St Enoch Centre, the ‘Smart Start’ initiative will see locals donate good quality school uniforms to those in need. Items will be available for anyone to collect completely free of charge, no questions asked.
Speaking ahead of the launch, The Leith Collective founder, Sara Thomson said; “Kids grow so quickly. Parents tend to buy a whole new uniform at the start of the school year in August and often find their child has already outgrown it by the Christmas break.
“Yet these uniforms are often still in perfectly good condition and could easily do another child a turn. Our Smart Start initiative aims to make it as easy as possible for people to donate their unwanted uniforms, so that someone in need can make use of them.”
The unform exchange is not only a practical response to the cost of living crisis, but also to the climate crisis – a cause which lies at the heart of The Leith Collective. As Sara Thomson explains; “Smart Start is a sustainable solution that aims to keep quality clothes out of landfill and in use for longer, thus promoting a circular economy and helping to reduce the environmental impact of the textile industry.”
The Smart Start uniform exchange comes just a few months after the launch of The Leith Collective’s winter coat exchange which has received an overwhelming response, with over 1,000 coats donated and collected by locals so far.
People can donate and collect garments at The Leith Collective in Ocean Terminal, Fort Kinnaird, and the St Enoch Centre during opening hours. No tights or socks can be accepted but all other good quality uniform items are welcome.
LOCAL GOVERNMENT WARNS OF JOB LOSSES AND SERVICE CUTS
COSLA has launched its campaign in advance of the Scottish Budget on 15 December – an ‘SOS call’ to Save our Services.
It is a rallying call, telling communities everything they need to know about the impact of the Scottish Government’s forthcoming budget on our council services, and our communities in the coming year.
COSLA says the SOS call reflects the extremely precarious financial situation in which Councils in Scotland find themselves, during a particularly challenging period. This is as a consequence of real-term cuts to the core budgets of Scotland’s 32 Councils over recent years.
The call comes ahead of the Deputy First Minister outlining the Scottish Budget on December 15th but reflects the reality of what the government set out in its spending plans last May.
Speaking yesterday, COSLA’s President Councillor Shona Morrison said: “There are many areas in which Local and Scottish Government work together for our communities and I fully appreciate that money is extremely tight – all Governments are having to cope with rising inflation and fuel costs.
“However, with little room left to manoeuver, the Scottish Government’s spending plans as they stand will see Council services either significantly reduced, cut or stopped altogether.
“70% of Local Government’s budget is spent on staffing, so it is inevitable that current spending plans will lead to job losses. The very serious impact of this scenario is that the critical work council staff do on prevention and early intervention will reduce significantly.”
COSLA’s Vice President Councillor Steven Heddle said: “In May, the ‘flat cash’ plans looked difficult for us. Today, with prices increasing across the board, including energy costs, and inflation sitting at almost 10% and at risk of rising still further, Local Government is now on extremely dangerous ground.
“Make no mistake, what we will now face is Councils struggling to deliver even the basic, essential services that communities rely on. To put this into perspective, the estimated £1bn gap for councils in 23/24 is the equivalent of the entire budget for early learning and childcare across Scotland or 17,500 teachers.
“A funding gap of this magnitude will have an impact on all our communities, with the most vulnerable who rely on these services suffering the worst consequences.”
COSLA’s Resources Spokesperson Councillor Katie Hagmann concluded: “We are at a crisis point like never before – the impact for communities is serious and needs to be reconsidered.
“The financial impacts for other parts of the public sector are also serious. When councils can’t focus spend on prevention, for example on preventing ill-health, services like the NHS will end up spending significantly more money when issues become more serious.
“Directors of Finance across Scotland’s Councils are sufficiently concerned about the financial sustainability of councils that they have written to the Deputy First Minister outlining their concerns.
“This really is an SOS call from Scotland’s Councils –people in communities across Scotland will be pulled into further poverty and uncertainty without adequate funding for the vital services that support them.”
At the start of Safer Ageing Week, Hourglass (Safer Ageing) calls on the Government to meet with the charity as calls to helpline surge
After months of trying to secure a meeting with the Safeguarding Minister, delayed due to changes in Ministers and turmoil in the heart of Government, Hourglass is frustrated that the Home Office has now cancelled another scheduled meeting with Minister Sarah Dines for Wednesday 14 December.
The meeting has been cancelled due to the Home Office launching a commercial competition for funding as part of Violence Against Women and Girls VAWG) strategy. Hourglass (Safer Ageing) is the only specialist UK wide charity supporting older victim-survivors of abuse, with 40% of the casework being with older men.
Hourglass, the only UK-wide charity focused on ending the abuse and neglect of older people, believes there needs to be a separate strategy and funding pool to address abuse of older people, as they have specific needs that a different to other demographics.
Hourglass has seen a 96% increase in calls to its 24/7 helpline this year. It is unacceptable that every request made by the charity to meet with Ministers has fallen on deaf ears when older people are suffering.
On 29 July this year, the Ready for Rishi Campaign made the following commitment to Hourglass: “If he is fortunate enough to be elected as Prime Minister, a Rishi-led government would seek to engage with organisations supporting victims, such as Hourglass, in order to ensure that no one is left behind and the needs of all those who need help are met.”
The Prime Minister now needs to honour his campaign pledge and ensure his Ministers meet with Hourglass to tackle abuse of older people.
Richard Robinson, CEO of Hourglass, said:“With Safer Ageing Week looming, it is incredibly sad that the charity has had this vital meeting cancelled once again. This is not just disappointing; it is a dereliction of duty.
“We are seeing significant increases in calls to our helpline and casework referrals, yet the government still do not take this issue seriously.
“The Violence Against Women and Girls strategy is designed to address this important issue. The criteria for VAWG funding applications will obviously be based on addressing violence against women and girls, not abuse of older people which needs a separate strategy and funding model.
“Support to stem sexual violence in the Ukraine was this week confirmed at £3.45 million with an additional £12.5 million to tackle sexual violence in conflict globally. These, like the equally essential child abuse and domestic abuse charities deserve this support, we are simply asking why are older people last in line? The £300k committed to date seems to underline how far towards the bottom of the list of priorities the 2.7m people affected by elder abuse seem to be.”
The charity confirms it will apply for Government funding from their newly announced VAWG grant scheme.
However, with the enormous pressures of the cost of living crisis and a huge spike in calls to the Hourglass 24/7 helpline, the organisation believes it needs to be at the heart of a Safer Ageing Strategy for older people.
The charity is urging those keen to support the charity to make a donation by visitingwww.wearehourglass.org.uk/donateor Text SAFER to 70460 to donate £10.
Texts cost £10 plus one standard rate message and you’ll be opting in to hear more about our work and fundraising via telephone and SMS. If you’d like to give £10 but do not wish to receive marketing communications, text SAFERNOINFO to 70460.
“All general bills are a worry. It’s crushing to not even be able to afford the most basics in life due to being an unpaid carer.” (unpaid carer responding to the Carers Trust survey)
Almost three quarters (74%) of unpaid carers in Scotland are worried about being able to afford energy bills.
Almost two thirds (58%) of unpaid carers in Scotland have either had to give up work altogether or reduce their paid hours because of their caring role.
One in eight (12%) unpaid carers in Scotland have had to use a food bank.
Carers Trust is urging the Scottish Government and the UK Government to provide additional cost-of-living support to unpaid carers now and to develop long-term solution for funding of social care.
A new survey of unpaid carers in Scotland provides a stark assessment of how many of Scotland’s 800,000 unpaid family carers have been plunged even further into financial misery by the cost-of-living crisis.
The research, undertaken by Carers Trust, the UK infrastructure charity for local carer organisations, revealed that 38% of all unpaid carers have had to give up paid work altogether to provide the dedicated care at home that a sick or disabled relative needs. A further 20% of respondents reported having reduced the number of paid hours they work because of their caring role.
The research, which was responded to by 531 family carers, uncovered the shocking fact that one in eight (12%) unpaid family carers are now using food banks as a result of soaring living costs. In addition:
28% have had to cut back on food
7% have either sold their home or released home equity to pay for essential items
17% have not been able to pay household bills on time
38% have had to cut back on other household items
27% have had to use a credit card to pay for essential household items.
25% have had to borrow money from a friend or a relative
17% have had to take out a loan
One survey respondent said: “I am terrified that I won’t be able to pay the bills this winter”.
Responding to a survey question about what essential costs they would no longer be able to afford, almost half (48%) said transport, almost three quarters (74%) said energy bills and over one third (34%) said rent or mortgage costs.
Carer’s Allowance failing to prevent poverty among unpaid carers
The survey also starkly highlighted the inadequacy of Carer’s Allowance, the principal state benefit for unpaid carers.
Currently set at £69.70 per week, providing this is the lowest level benefit of its kind, despite more than one third (34%) of unpaid carers spending 50 hours or more a week caring for a sick or disabled relative.
The Scottish Government does provide a Carer’s Allowance Supplement of £245.70 twice per year to provide additional support to unpaid carers in Scotland.
However, eligibility criteria for Carer’s Allowance benefit are strict: claimants must earn £132 a week or less after tax and must be spending a minimum of 35 hours a week caring for someone.
Over half of all survey respondents said that they do not receive the allowance and, of those who did, 56% of respondents in Scotland said it was not enough to meet their needs as an unpaid carer.
The survey also found that, instead of preventing poverty among recipients, Carer’s Allowance recipients were more likely to be experiencing financial hardship.
58% of respondents receiving Carer’s Allowance said they were struggling to make ends meet, compared to 38% of respondents who don’t receive Carer’s Allowance.
More support needed for local carer organisations supporting unpaid carers
A parallel survey of Carer’s Trust’s UK network of over 120 local carer organisations, who provide services to unpaid carers, has also highlighted the impact of recruitment challenges and funding shortages on their ability to support unpaid family carers.
48% of services cited fundraising and sustainability as the principal challenge to work supporting unpaid carers, whilst 40% of respondents cited staff recruitment and retention as a challenge – almost twice the level (23%) reported the year before.
Carers Trust Scotland’s Director Louise Morgan said: “Scotland’s health and social care system relies on the hard work of millions of unpaid family carers. However, the double whammy of lack of financial support and struggling local services means that thousands of unpaid family carers are being pushed into dire poverty.
‘With little ability to work, unpaid carers simply cannot boost their earnings to meet the cost-of-living crisis. Yet they need to keep the heating on and equipment running to keep their sick and disabled relatives warm and safe.
“The recent Autumn Statement simply did not recognise the extra cost of being an unpaid carer. We therefore need to raise Carer’s Allowance urgently, provide and to add it to the list of benefits qualifying for the additional £900 cost-of-living support payment and provide double payments of Carer’s Allowance Supplement payments to help unpaid carers to pay their rising bills during the cost-of-living crisis.
“As a country we’re relying on unpaid carers to keep the health and care system afloat. The least we can do in return is ensure they get a fair deal in return”.
Social Bite lights up major cities encouraging kindness this Christmas
Charity aims to provide 300,000 gifts, meals, and essential items to homeless and vulnerable people this Christmas
Stars including Martin Kemp, Emma and Matt Willis lend their support to the campaign
Donate a ‘Christmas of Kindness’ online to provide a meal, gift, pack of essential items, and emergency accommodation for a homeless person for just £28
Christmas trees with gift donation points installed in five cities, London, Edinburgh, Glasgow, Aberdeen, and Dundee, to emphasise that ‘in a world where you can be anything, be kind.’
The cost of living crisis is affecting us all, but the impact is even more devastating for people who are homeless and vulnerable this Christmas. Backed by stars Martin Kemp, Emma and Matt Willis, Social Bite has launched its Festival of Kindness and is urging people in Edinburgh to spread some much-needed festive goodwill and kindness during these difficult times.
Recent research has highlighted that:
More than 1 in 5 people are living in poverty in the UK, according to Joseph Rowntree Foundation.[1]
There was nearly 150 per cent increase in homeless deaths in the capital since 20172
An estimated 1.3 million more people will be plunged into absolute poverty by 2023, including 500,000 children.[2]
6.8 million adults had smaller meals than usual or skipped meals because they couldn’t afford or get access to food.[3]
Which is why the charity is asking people in Edinburgh to donate a ‘Christmas of Kindness’ for £28, which includes a meal, gift, pack of essential items, and emergency accommodation with support for people who are homeless.
Through the campaign, Social Bite has set a target of providing 300,000 meals, gifts, and essential winter items to those experiencing homelessness during this festive period.
Working alongside local partners, Social Bite has installed 28ft tall Christmas trees in five cities in the UK – London, Edinburgh, Glasgow, Aberdeen, and Dundee, with people living nearby encouraged to buy an extra gift and bring it to the Tree of Kindness, these gifts will be distributed to people who are homeless in time for Christmas.
Christmas Trees have also been installed in four other cities in the UK – London, Glasgow, Aberdeen, and Dundee, and the five Festival of Kindness locations are:
St Andrew Square, Edinburgh
Charing Cross Station, London
Vinicombe Street, Glasgow
Outside M&S at the Bon Accord centre, Aberdeen
City Square, Dundee.
The charity has created a Wishlist of the items and gifts that homeless and vulnerable people need the most especially at this time of year – from a warm pair of gloves, a hot water bottle, to a torch, earphones, and toys for children living in temporary accommodation to open on Christmas morning.
Emma Willis said: “The work Social Bite does is amazing, so Matt and I are both really proud to support the Festival of Kindness campaign.
“The help the campaign provides for people experiencing homelessness across the country is transformative for so many and more important than ever during the current rises in the cost of living.
“I’d encourage anyone who can, to donate a ‘Christmas of Kindness’ online, or get along to their nearest Tree of Kindness to donate a gift and show whatever support they can to this brilliant cause.”
Social Bite co-founder and Executive Director, Josh Littlejohn MBE, said: “Your kindness is needed now more than ever. The economic challenges and inflation facing the country this year means that homeless people face a very bleak winter.
“Millions of people will be forced to choose between heating and eating and this Christmas, and tens of thousands of people all over the UK will spend the festive period on the streets – cold, hungry and lonely, without a family to go to.
“Tens of thousands of children will also find themselves in temporary emergency accommodation or without food on the table over the festive period.
“That’s why we are asking people living in Edinburgh to support our Festival of Kindness campaign by inviting them to be kind and buy or donate a little extra to help those who need it most – even the smallest of gifts will make a huge difference.”
On Christmas Eve and Christmas Day, Social Bite will be opening its coffee shops in Glasgow, Edinburgh, and Aberdeen to provide a warm Christmas dinner and some loving company for those who need it, as well as providing meals and gifts through a network of over 170 local charity partners across the UK.
Josh added: “Our staff always give up their Christmas day every year to ensure that homeless and vulnerable people have delicious food to eat and some festive company.
“This year we will also be distributing food packs and hot meals to tens of thousands of people in food poverty through our network of charity partners all over the UK.”
All gifts will be distributed by Social Bite’s dedicated team of ‘elves’ to those who need it most, just in time for Christmas.
Denzil Skinner, Chair of Essential Edinburgh Business Improvement District, who are supporting Festival of Kindness in St Andrew Square Edinburgh said:“We would like to encourage all our locals to pop into the city centre, select a gift from the wish-list at one of our fantastic retailers and leave it at the tree of kindness in St Andrew Square Garden.
“This small act of kindness will make such a difference to some of our most vulnerable citizens. A little kindness goes a long way.”
In 2021, thanks to the generous support of the public, the Festival of Kindness campaign resulted in 276,545 Christmas meals, food packs, gifts, and essential items for people affected by homelessness and food poverty.
All gifts donated at the trees should be new and unwrapped, and there is a helpful ‘how-to’ guide on the charity’s website. Donated items will be placed in weather-proof Perspex boxes and collected each evening for transportation to the local distribution centre nearby.
Recent weather events, such as heatwaves, floods and fires in the UK this year, have made three fifths (60%) of adults across Scotland more concerned about climate change
A third (32%) think that it’s too expensive to live more sustainably creating a barrier to climate action, despite 78% of adults in Scotland being concerned about climate change
Three in ten (29%) are more concerned with their energy bills as opposed to living sustainably
Recent weather events across the UK this year, such as heatwaves, floods and fires, have made three fifths (60%) of people in Scotland more concerned about climate change. A further 59% are also worried about weather reports from other countries, including in Australia and America, according to new research from mutual life and pensions company Royal London.
More than half (55%) have also said that ongoing media coverage has had an impact on their climate change concerns – and 49% said that having children and grandchildren has made them more worried about climate change.
This has spurred many to act and live more sustainably in the last 12 months. Most popular planned changes include reducing plastic usage (56%), shopping locally (49%), driving less (38%), and consuming less meat and dairy (35%).
However, the cost of living crisis is making it difficult for people in Scotland to act on climate change.
With the majority (83%) of adults in Scotland concerned about the cost of living, 29% are understandably more concerned with their energy bills as opposed to living sustainably. Many people are taking cost-saving measures this autumn and winter with a quarter (25%) planning to buy fewer or cheaper Christmas presents.
Shockingly, nearly half (46%) plan to turn on their heating only when absolutely necessary this winter and one in seven (14%) adults say they are anticipating skipping meals. Sustainability is unlikely to be the priority with a third (32%) thinking that it’s too expensive to live more sustainably.
Royal London’s Changemakers Programme announces partnership with Remake Scotland, a Perthshire based social enterprise, which promotes the reuse of local materials
Set up in 2011 in the town of Crieff, Perthshire, Remake Scotland promotes sustainable living across the local area. Its projects and services, such as its repair cafes, second-hand store, and community tool library (holding more than 300 items for residents to borrow), encourages the local community to reuse materials and become increasingly self-sufficient.
Given its success and growth over the previous years, from a small organisation based in the founder’s own garage, Remake Scotland now seeks to further expand the range of its services to maximise its impact and help the community live sustainably.
As part of this goal, it hopes to work more with commercial partners to develop a second-hand brokerage service.
Each Changemaker participating in the programme will benefit from a £20,000 grant, as well as extensive business support from The School for Social Entrepreneurs, which will continue for two years, to support them with the development of a greener economy that benefits many.
Sarah Pennells, Consumer Finance Specialist at Royal London, says:“Climate change and sustainability are issues which need addressing urgently.
“Living sustainably doesn’t have to cost more and some measures, such as reducing the food and heat you waste, can save money. However, many of us need a helping hand to get started.
“We believe that these inspiring social enterprises can provide real solutions to these issues, with innovation at their heart, which is why they’ve been chosen as our Changemakers this year. We are delighted to support people who are looking at new ways to ensure that a just transition and moving fairly to a sustainable world is a possibility for everyone.”
Amulree Welch, General Manager at Remake Scotland, says: “We know that the cost-of-living crisis is having a huge impact on our community, particularly in the lead up to Christmas.
“Remake are committed to supporting our community through this crisis and helping people to continue to live sustainably while also living affordably. We do this by providing low cost, second-hand supplies through our Reuse Hub including a wide range of second-hand Christmas gifts, providing free hire of over 300 different pieces of equipment through our Community Tool Library and providing package free, sustainable products through our Remake Refillery, which are price matched with Tesco.
“We know that the cost-of-living crisis will for many people be taking precedence over the larger global concern of the climate crisis, however we hope that by supporting people to make second hand their first choice this winter this will help people save money and the planet.”
