As of 13 August 2026, AI can only partly apply for Pension Credit.

What to actually do

1. Hand it to a person

   The route this page recommends

   A person who owns the outcome does this end to end, worth it when the failure is dear.

2. Use a tool built for this

   Second choice

3. Do it yourself

   The distant third

   A chat interface, chat-fluent skill, and roughly 30 minutes until you can act on the result.

   How to actually do it

   1. Open the current Pension Credit guidance and application instructions on GOV.UK, and note the official application route shown for your part of the UK.
   2. Gather recent pension and benefit letters, payslips or other income records, savings and investment statements, rent or housing details, and information about anyone who lives with you.
   3. Remove or replace your National Insurance number, bank details, full address and other unnecessary identifiers with labels such as [REDACTED].
   4. Paste the prompt into ChatGPT, Claude or Gemini and replace each bracketed slot with your circumstances and the records you have.
   5. Compare every drafted figure and personal fact with the original records, then return to GOV.UK to check any rule or question the chatbot marked as uncertain.
   6. Use the official GOV.UK application route to submit the application yourself, rather than sending personal information or bank details to the chatbot.
   7. Save the confirmation or reference details and keep the records used, so you can answer any follow-up from the Department for Work and Pensions.

   Prompt

   Help me prepare an application for Pension Credit in the UK. Do not decide that I am eligible, do not invent figures, and do not give legal or benefits advice. Use only the information I provide and clearly mark anything missing, uncertain or needing confirmation from GOV.UK or the Department for Work and Pensions.
   
   First, give me a checklist of the information and records I need, grouped under:
   1. My details and household
   2. My partner's details, if relevant
   3. Income and pensions
   4. Savings and investments
   5. Housing and rent
   6. Disability, caring or other circumstances that may need to be reported
   
   Then create a preparation table with these columns: application question or topic, my draft answer, source or record I should check, and missing information. Keep personal identifiers such as my National Insurance number, bank details and full address as [REDACTED] unless they are essential to explain the field. Do not calculate entitlement or tell me which rules apply. Tell me which answers I must verify against my documents and which parts I should check on the current GOV.UK Pension Credit page before submitting.
   
   My circumstances are:
   - Country in the UK: [England, Scotland or Wales]
   - My age and date of birth: [details]
   - Partner and household details: [details]
   - Income and pension details: [details]
   - Savings and investments: [details]
   - Housing and rent: [details]
   - Other relevant circumstances: [details]
   - Records I already have: [details]

   Open it prefilled in ChatGPT or Claude, or copy it into Gemini, which takes no prefill link.