The Department for Work and Pensions (DWP) has issued a fresh warning for people receiving Pension Credit who are planning to go on holiday in 2025. The reminder is simple but serious — fail to follow the rules, and your payments could be stopped, reduced, or even clawed back.
Pension Credit is a lifeline for over 1.4 million elderly households in the UK. It not only boosts low incomes but also unlocks access to other crucial benefits like Housing Benefit, Winter Fuel Payments, and free NHS dental treatment. But what many don’t realise is that taking a trip abroad, even for a few weeks, can put your eligibility at risk.
Here’s a breakdown of what the rules say, what you can and cannot do, and how to make sure your payments stay safe while you travel.
The 4-Week Rule: What It Means for Holidaymakers
If you receive Pension Credit and plan to leave the UK, you are only allowed to be away for up to 4 weeks. This is known as a “temporary absence” and your payments will continue during this period — but only if your circumstances don’t change.
Key rule:
Exceptions to the Rule
There are a few exceptions where extended absences are allowed:
- Up to 8 weeks: If the reason for your extended absence is the death of a close relative (like a spouse or child), you may be allowed to stay away longer.
- Up to 26 weeks: If you are receiving medical treatment abroad, your absence can be extended, provided the DWP is informed and approves it.
However, these exceptions are not automatic. You must notify the DWP before leaving and provide proof if required.
What Happens If You Don’t Report?
If the DWP finds out that you’ve been out of the UK for longer than allowed without informing them, your benefit may be:
- Paused or stopped
- Reclaimed (you may have to pay it back)
- Investigated for fraud, especially if your address and bank details indicate a permanent move
Many retirees have been caught off-guard by this rule, assuming that a short trip wouldn’t affect their entitlements.
How to Report a Temporary Absence
To stay compliant, the DWP recommends you report your travel plans in advance by contacting:
The Pension Service at 0800 731 0469
It’s also advisable to send a follow-up letter confirming your temporary absence, and keep proof of postage or delivery. This helps ensure there is a record of your communication in case issues arise later.
For full guidance, you can visit the official Pension Credit page on GOV.UK.
Why the DWP Is Warning Now
The DWP’s reminder comes as more pensioners plan overseas travel post-pandemic. With restrictions lifted and 2025 travel season picking up, officials are seeing a rise in travel-related errors.
Pension Credit can be worth around £3,900 per year, depending on your circumstances. Losing it — even temporarily — can also mean missing out on additional linked benefits such as:
- Free TV licence (if over 75)
- Warm Home Discount
- Council Tax Reductions
So, a simple mistake like staying abroad a week too long can end up costing you much more than just your Pension Credit.
Planning a Trip? Here’s a Checklist for Pension Credit Claimants
Before you book those flights or leave the UK, here’s what to do:
- Inform the DWP in advance if you plan to travel for more than a few weeks.
- Check if your absence qualifies as an exception (bereavement or medical treatment).
- Get written confirmation from your doctor if travelling for health reasons.
- Keep all records and receipts in case DWP asks for documentation later.
- Reconfirm your return date with the DWP if your plans change.
Can You Move Abroad and Still Get Pension Credit?
The short answer is no.
If you move abroad permanently, you cannot receive Pension Credit, even if you retain a UK bank account. The benefit is designed to support people living in the UK, and permanent relocations make you ineligible.
Final Thoughts
The DWP isn’t trying to stop you from enjoying your holiday but it is stressing the need to stay within the rules. With government departments ramping up compliance checks, a lack of awareness is no excuse.
If you’re unsure about your eligibility or travel plans, contact the Pension Service before making any bookings. It’s better to clarify in advance than to risk losing your benefits.
