Two million pensioners risk losing up to £300 Winter Fuel Payment this September

This year, the eligibility criteria for Winter Fuel Payment has been broadened to offer seasonal support to millions more pensioner households. However, many could still miss out if they don't take proactive steps before the qualifying week.

Fiona Peake, Personal Finance Expert at Ocean Finance, warned: "With bills rising again in October, the timing couldn't be worse for households already under pressure. The Winter Fuel Payment is worth up to £300 depending on your age. For many, this extra support could mean the difference between putting the heating on or shivering through winter.

"Payments are automatic if you qualify, and it's usually paid straight into bank accounts in November or December. But you need to be receiving the right benefits first. If you leave it too late, you could miss out."

The qualifying week for this year's benefit runs from September 16 to 22. During this period, pensioners must meet all the current qualifying criteria to be eligible for this year's benefit. More information about Winter Fuel Payment eligibility can be found on Gov.uk.

Ofgem recently confirmed that the energy price cap will increase by 2% in October, making this benefit a crucial lifeline for numerous households struggling with winter heating and electricity costs.

Fiona urged pensioners to take five steps this month to safeguard their Winter Fuel Payment eligibility during the qualifying week, starting with an online benefit check to see what they're entitled to.

She advised: "Even if you think you won't qualify, it's worth a five-minute check. Pension Credit alone can boost your income and unlock extras like Housing Benefit and Cold Weather Payments."

If you're eligible for a benefit that qualifies you for Winter Fuel Payment, she said to submit your application promptly. Fiona explained: "Too many people apply just days after the qualifying week and miss out completely. Get your claim in now so you're approved in time."

At the same time, the expert suggested verifying all your details with the DWP as incorrect information could hinder or delay payments. This includes your bank account, address and National Insurance number.

For those already grappling with energy costs, Fiona recommended exploring other options as Winter Fuel Payments are only dispatched in November and December. She said: "If your bills are mounting, think about how to cover the shortfall.

"That could be dipping into savings, cutting back on non-essentials, or using a credit card with a 0% period to spread the cost without piling on interest."

In her final tip, the expert emphasised: "The Winter Fuel Payment isn't the only support available. Cold Weather Payments are triggered automatically when temperatures stay below freezing for a week, but you need to be on qualifying benefits to get them. Sorting this now means you'll be covered all season."