Personal Independence Payment (PIP) is one of the most important benefits for people living with long-term health conditions or disabilities in the UK. However, the Department for Work and Pensions (DWP) has issued a strong warning for people in their 60s.
If you are close to reaching the State Pension Age (currently 66), you must apply for PIP before that age. Once you reach pension age, you cannot make a new claim for PIP. This rule means thousands could lose financial support if they delay applying.
What Is Personal Independence Payment (PIP)?
PIP is a benefit designed to help people with the extra costs of living with a disability or long-term illness. It replaces Disability Living Allowance (DLA) for most adults. The payment has two parts:
- Daily Living Component – Helps with costs of everyday tasks like eating, washing, dressing, and managing money.
- Mobility Component – Helps with getting around, such as walking difficulties or using transport.
PIP is tax-free and not based on income or savings. This means even if you are working or have other income, you may still qualify if your health condition affects your daily life.
The DWP Warning for People in Their 60s
The DWP warning is simple but serious: if you are in your 60s and plan to apply for PIP, do it before you reach State Pension Age (66). Once you pass that age, you can no longer make a first-time claim. If you miss the deadline, you may lose the right to ever claim PIP. This could mean losing hundreds of pounds every month in support.
Policy commentator Kundan Bhaduri explained, “For someone in their 60s hoping to retire, it gets more stark. One needs to apply before they access their state pension or forfeit the right to claim entirely, as PIP cannot be accessed for the first time after state pension age.”
Why Is the Government Reviewing PIP?
The Labour Government had planned major changes to PIP to cut about £5 billion from the annual welfare budget. However, strong opposition from MPs forced ministers to delay these plans. Instead, a review is now being carried out by Disability Minister Sir Stephen Timms, who will decide on the future structure of PIP later this year.
How Much Is PIP Worth?
PIP is not a small payment—it can make a big difference to people’s lives. Depending on your condition and level of need, you could receive between £75.75 and £108.55 per week. This amount can help with personal care, transport, and other essential costs.
PIP Payment Details
| Component | Weekly Rate (2025) | Eligibility |
|---|---|---|
| Daily Living (Standard) | £75.75 | Difficulty with daily tasks like cooking/dressing |
| Daily Living (Enhanced) | £108.55 | Severe difficulty with most daily tasks |
| Mobility (Standard) | £75.75 | Problems walking or moving around |
| Mobility (Enhanced) | £108.55 | Serious mobility issues, needing help to move |
Why You Must Apply Before 66
Unlike other benefits, PIP has strict age limits. The rule is clear: if you have not applied for PIP before State Pension Age, you cannot start a claim afterwards. You may still get other support such as Attendance Allowance, but PIP provides more flexible help, especially with mobility needs. Missing out could leave you with fewer benefits.
What Happens If You Go on Holiday?
PIP claimants also need to follow strict DWP rules if they travel abroad. If you leave the UK for more than four weeks, even for a holiday, your PIP payments could stop. You must inform the DWP before leaving to avoid penalties or fines.
How the PIP Assessment Works
To get PIP, you must attend an assessment that looks at how your condition affects your daily life. The DWP scores you on 10 different activities, such as:
- Preparing food
- Washing and bathing
- Managing money
- Walking and moving around
You need at least 8 points for the lower payment and 12 points for the higher rate. The government had suggested stricter rules, but these changes have been delayed for now.
The warning from the DWP is urgent: if you are in your 60s and thinking about applying for Personal Independence Payment (PIP), do not wait until you reach pension age.
Apply as soon as possible to secure the financial help you may need. Once you pass 66, you lose the chance to make a first claim. With PIP worth up to £108.55 per week, this benefit can provide essential support for people with disabilities and long-term illnesses.
Missing the deadline could mean losing thousands of pounds in income support, so it is vital to act quickly.
FAQs
Can I apply for PIP after I reach State Pension Age?
No, you cannot make a new PIP claim after reaching pension age. You must apply before 66.
What if I already get PIP before State Pension Age?
If you already get PIP, you can continue receiving it after 66. The rule only affects new applicants.
Can I still get support if I miss the PIP deadline?
Yes, you may qualify for Attendance Allowance instead, but it does not cover mobility needs like PIP.