Thousands of households across England could be paying hundreds of pounds more in council tax than necessary, as fresh data indicates millions are missing out on available financial support.
Official statistics show that 3.7 million people received Council Tax Reduction (CTR) this year, yet many more eligible individuals are believed to be going without this crucial assistance during the ongoing cost of living crisis.
Who Qualifies for Council Tax Support?
Age UK has issued updated guidance clarifying eligibility criteria for Council Tax Reduction. The charity emphasises that help is available regardless of whether you own your home or rent, and your employment status does not affect your right to claim.
Eligibility primarily depends on two key factors: being on a low income or receiving certain benefits. However, each local authority sets its own specific rules, meaning schemes vary significantly across different regions of England.
Local councils assess multiple aspects of your situation when determining your eligibility, including your age, income (including benefits), savings, who you live with, and the council tax band for your property.
How Much Support Could You Receive?
There isn't a fixed amount for Council Tax Reduction, as what you receive depends entirely on your personal circumstances and where you live. Some groups may qualify for enhanced support.
Age UK explains that you might get a higher reduction if you receive disability benefits or carer's benefits. Those receiving the Guarantee Credit element of Pension Credit could have their entire council tax bill covered.
Notably, people with less than £16,000 in savings may still qualify for support, even without receiving Guarantee Credit.
The system differs for those below state pension age, where councils apply a 'working age scheme' that tends to be less generous and varies considerably by area.
How to Claim Your Council Tax Reduction
Households must apply directly through their local council, which will assess the claim based on their specific criteria and local scheme.
While councils follow a single national scheme for people over state pension age, working-age applicants are subject to local rules, creating a postcode lottery for support levels across England.
Age UK is urging anyone struggling with council tax payments or living on a low income to check their eligibility, as many who qualify never actually claim the help they're entitled to receive.
