Experts advise that you should use a pension credit calculator to have a rough idea of how much pension credit you are entitled to. This amount depends on the Pension Credit qualifying age and other circumstances including whether you are staying in a home care, or if your partner has already deferred on state pensions payments. The qualifying age keeps rising and today in 2015 the minimum qualifying age is 66 years old. Evaluate your Income There is no limit to the number of hours that an individual works but the amount of cash that you receive depends on how much you have saved together with your income. It is also advisable to evaluate your personal cash flow based on acceptable sources of income that include working tax credit, earnings after tax, social security allowances such as career benefits, and state pension. Incomes often ignored include Christmas bonuses, attendance allowances, and disability income allowances. Make your Application Pension Credit applications are conducted by making a claim via a telephone call to the Citizens Advice Bureau. It is advisable to have several vital documents in hand such as your partner’s details, general information about your pension, information about your income, bank account details, and your National Insurance Number. Apply Early It is possible to apply for pension credit up to four months before the start date that an individual is eligible to receive pension credit. This eliminates any last minute rush that is likely to cause unnecessary inconveniences. Make an Appeal If you have been denied pension credit, it is advisable to consult with the respective authority, and discuss if your personal financial circumstances have changed so that you may continue receiving the correct amount of pension credit that you deserve. It is also possible to consult with private Pension Credit agencies.