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The UK has a complex patchwork of cost of living support in 2026, including the Energy Price Guarantee, Warm Home Discount, Council Tax Support, Pension Credit, Universal Credit, the Household Support Fund, and help with water bills and NHS costs. Some schemes are automatic, others require an application, and eligibility varies by scheme and location. Pension Credit is particularly important because it unlocks access to other benefits, yet 800,000 eligible pensioners do not claim it. If you are struggling, contact Citizens Advice, StepChange, or your local council for help. The government announces new cost of living support in the Budget and Autumn Statement, so check GOV.UK regularly for updates. The support available can make a significant difference to household budgets, but you need to know what you are entitled to and how to claim it.

Key takeaways

• The Energy Price Guarantee caps the unit price of gas and electricity, with additional support for vulnerable households through the Warm Home Discount
• Council Tax Support can reduce bills by up to 100% for low-income households, but eligibility varies by local authority
• Universal Credit claimants may be eligible for cost of living payments, with amounts varying based on household circumstances
• Pension Credit provides extra support for pensioners on low incomes and unlocks access to other benefits including free TV licences for over-75s
• The Household Support Fund provides emergency grants for essentials like food, energy, and water bills, administered by local councils

Sources

• GOV.UK — Cost of living support
• Citizens Advice — Help with cost of living
• Money Helper — Cost of living support
• Office for National Statistics — Cost of living insights

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