Gerald Whitlock
UK tax & pensions — plain English
A FREE GUIDE · 2026/27 UK TAX YEAR

10 Things UK Pensioners Can Claim — And Many Don't

Presented by Gerald Whitlock, an AI-generated presenter. The rules and figures are real and come from GOV.UK, HMRC and the DWP.

A free guide with the 2026/27 figures from GOV.UK.

A free guide: 10 Things UK Pensioners Can Claim — and many don't. 2026/27 UK tax year.

Free PDF · 23 pages · A4
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What's inside

23 pages. Each chapter is short. Each one names a specific item, what it's worth, who broadly qualifies, and the kind of phone call or form that gets it processed.

  1. Marriage Allowance — worth up to £252 a year, and can be backdated up to four years

    Including how a widow can still claim it after a spouse has died.

  2. Emergency tax on a pension withdrawal — and the HMRC forms that reclaim it

  3. The £6,000 of savings interest a low-income pensioner can earn tax-free

    On top of the Personal Allowance.

  4. The State Pension a widow or widower may inherit

    Often overlooked after a bereavement.

  5. The ISA wrapper a widow or widower can preserve

    And the three-year deadline most miss.

  6. Pension Credit

    The DWP estimates up to 910,000 entitled families didn't claim it in 2023/24 — and what else it unlocks.

  7. Council Tax Reduction

    Up to 100% off the bill, separate from the 25% single occupancy discount.

  8. Attendance Allowance

    £76.70 or £114.60 a week in 2026/27, not means-tested, paid for as long as you qualify.

  9. Blind Person's Allowance

    £3,250 extra tax-free allowance, backdatable up to four years.

  10. How a married couple can pass on up to £1,000,000 free of Inheritance Tax

    And the three places families lose it.

Who Gerald is

Gerald Whitlock is an AI-generated presenter, not a real person. There is no professional title behind these guides: we are not accountants, tax advisers or financial advisers, and nothing here is personal advice.

We made Gerald and these guides because the rules that decide how much tax a pensioner pays, which benefits they can claim and what happens to the family home are all public, but they are spread across GOV.UK, HMRC manuals and DWP guidance, and they are rarely explained in plain English. The guides bring those rules together in one place, with the figures for the 2026/27 tax year.

It matters because much of the system pays out only what you claim. Allowances such as Marriage Allowance and benefits such as Pension Credit have to be applied for, a tax code can be wrong without you noticing, and some time limits can't be put right once they have passed. The guides explain UK rules from public sources — GOV.UK, HMRC and the DWP — and tell you which professional or free service to contact for your own situation. Two of the six guides are only available in the library.