Council Tax Reduction for Pensioners

By RWB Wealth25 October 2023


Council tax is an essential expense for most UK residents. However, for pensioners, it can be a significant burden on their limited incomes. Fortunately, the council tax reduction scheme is designed to help pensioners manage this expense. If you are no over the state pension age, any council tax support you may be entitled to will be calculated via 'working age scheme' rules.

This article will explain the eligibility criteria, application process and support for pensioners looking to reduce their council tax bill. We will provide an overview of each of these elements.

Eligibility Criteria for Council Tax Reduction for Pensioners

To be eligible for a council tax reduction, pensioners must meet specific criteria:

  1. Age: Applicants must have reached state pension age.
  2. Income and savings: Pensioners with a household income below a certain threshold and less than £16,000 in savings may qualify.
  3. Residency status: Applicants must be UK residents and responsible for paying the council tax bill for the property where they live.

How to Apply for Council Tax Reduction

Pensioners can apply for council tax reduction and council tax support by contacting their local council. Necessary documentation may include proof of income, savings, and residency. It's essential to apply promptly, as deadlines and waiting periods may apply.

Calculating Your Council Tax Reduction

The amount of council tax reduction depends on several factors, including:

  1. Council tax bands
  2. Household income
  3. Number of adult lives in the property

Additional Support for Pensioners

Pensioners may be eligible for other forms of support, such as:

  1. Adult rebate: A second adult rebate may be available if another adult lives in the property who is not a spouse or partner and has a low income.
  2. Disability discounts: Pensioners with disabilities may be eligible for a reduction in their council tax bill.
  3. Pension Credit: Receiving part of pension credit may affect the amount of council tax reduction a pensioner can receive.


Understanding the council tax reduction scheme and applying for support is crucial for pensioners to manage their council tax expenses. It is essential to stay informed and proactive, ensuring that all eligible discounts are applied and communicating any changes in circumstances promptly. By doing so, pensioners can maximize the support available and ease the burden of their council tax bill.

Check your council tax information to find our if you are entitles to council tax reductions. Click here to go to the gov.uk website. Verify the details are correct.

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