From October 2025, millions of households across the UK will see their gas and electricity bills rise. Ofgem has confirmed that the energy price cap will climb by 2%, pushing the average annual bill to £1,755—an increase of about £35 per year. This rise adds extra pressure to families already struggling with high living costs.
Winter Fuel Payments at Risk
Alongside higher bills, millions of pensioners could miss out on up to £300 in Winter Fuel Payments unless they take immediate action.
The Department for Work and Pensions (DWP) has set the qualifying week between 16 and 22 September 2025. Missing the deadline could mean losing this critical support.
Impact of Rule Changes
In 2024, nearly 10 million pensioners lost access to Winter Fuel Payments when Labour removed universal eligibility. However, a government U-turn in June 2025 reinstated the scheme for state pensioners—but with new conditions.
- Those with an income above £35,000 annually will see the payment clawed back via taxation unless they opt out by September 15.
- As a result, 7.4 million more pensioners will benefit this year, while two million will still be excluded.
Why It Matters Now
According to Fiona Peake, Personal Finance Expert at Ocean Finance, the timing could not be worse:
“With bills climbing again in October, many households are under strain. The Winter Fuel Payment, worth up to £300 depending on age, could mean the difference between staying warm or struggling through the cold.”
Payments are automatic for those who qualify and are usually deposited in November or December. However, pensioners must ensure they are receiving the right benefits before the qualifying week.
Five Steps to Protect Your Winter Fuel Payment
1. Check Your Benefits
Even if you assume you won’t qualify, take five minutes to confirm. Pension Credit can not only increase your income but also unlock extras like Housing Benefit and Cold Weather Payments.
2. Apply Early
Avoid waiting until after the qualifying week. Submitting your claim in advance ensures approval before the September cut-off.
3. Budget for the Gap
The payment arrives in November or December. Plan ahead to cover the shortfall by using savings, reducing non-essential spending, or considering a 0% credit card to spread costs without accumulating interest.
4. Keep Your Details Updated
Incorrect bank account, address, or National Insurance details can delay or block payments. Update your information with the DWP in advance.
5. Prepare for Cold Weather
Remember that Cold Weather Payments are available when temperatures remain below freezing for seven days. To qualify, you must be on the correct benefits—sorting this out now ensures full protection through winter.
With energy bills set to rise and strict rules governing the Winter Fuel Payment in 2025, pensioners must act quickly to secure their entitlement. Checking eligibility, updating details, and applying early could prevent missing out on up to £300 of vital support. This financial aid, alongside other benefits like Cold Weather Payments, can significantly reduce the burden of heating costs this winter.
FAQs
How much is the Winter Fuel Payment in 2025?
Eligible pensioners can receive up to £300, depending on age and circumstances.
When will Winter Fuel Payments be made?
Payments are usually issued automatically into bank accounts in November or December.
Who will not qualify for the Winter Fuel Payment?
Pensioners earning over £35,000 annually may have the payment reclaimed through the tax system unless they opt out before September 15.
