1. Claiming benefits is a right
Make sure you claim all the benefits that you are entitled to.

2. Don't assume you are not entitled
Even if you are a home owner or you have savings, you could still be entitled to benefits. Check with a benefits adviser or use an online benefits calculator.

3. Don’t be put off!
Resources are available from the government and independent organisations to guide you through the process.

4. Visit a registered advice provider
Make sure you speak to a trained benefits advisor at a registered advice provider.

5. Ask for a full benefits check
Even if you are already claiming some benefits, you could be entitled to others. 

6. It’s good to have support
Many organisations provide a home visiting service to explain the claims process to you and what you can expect.

7. Don’t forget the extras
Make sure you are receiving the winter fuel payment, free gas safety inspection from British Gas, free bus pass and free eye test. You could even be eligible for free insulation for your home.

8. Appeals and tribunals
If your benefit claim is turned down, there are organisations who can help you. Check with your adviser whether their organisation helps with appeals and tribunals. 

9. Money management
Advice on budgeting can be found on this website. If you are worried about your finances, contact the Consumer Credit Counselling Service, National Debtline or your local Citizens Advice Bureau.
If you are having any problems understanding the new direct payments of benefits or the new chip and pin cards, contact the relevant bank, building society or the post office.

10. Imagine the possibilities
Ensuring that you claim all the relevant benefits could free you from money worries, or give you the chance to have a weekend away.

The Benefits Advice Programme helps older people identify and claim the benefits they are entitled to. There are programmes all over the country - see the Benefits Advice Programme page to find one near you.