Lynn Schofield Clark's Blog

Parents in Quebec are getting a small but welcome financial boost this month. If you’re receiving the Canada Child Benefit (CCB), your August payment will be a little higher than before. The federal government increased the rates in July 2025 to keep pace with inflation, so when the deposit lands in your account on Tuesday, August 20, 2025, you might notice a few extra dollars. For some low-income families, the monthly payment can reach up to $649.75 per child—and that’s tax-free money straight into your pocket.

For anyone raising kids right now, even a $17–$19 bump per child compared to last year can help cover the ever-climbing costs—whether that’s back-to-school gear, fresh produce that seems pricier every week, or just keeping the lights on without stressing over every bill.

What Exactly Is the Canada Child Benefit?

The Canada Child Benefit is a monthly payment from the federal government designed to help with the cost of raising children under 18. Unlike some supports, the CCB is completely tax-free, meaning you keep every cent without worrying about deductions later.

Parents can use it however they see fit—there are no spending restrictions. Some put it toward daycare fees, some save it for extracurricular activities, and others use it for everyday necessities.

Who Can Get the CCB?

To qualify, you must:

RequirementDetailsResidencyYou must live in CanadaCare responsibilityYou must be primarily responsible for the care and upbringing of a child under 18Tax filingYou and your spouse/partner must file taxes each yearCitizenship/immigration statusYou must be a Canadian citizen, permanent resident, protected person, or temporary resident who’s lived in Canada for the last 18 months

If parents share custody, the payment is usually split 50–50 between them.

The Canada Revenue Agency (CRA) adjusts the rates every July based on inflation, so the August payment is often the first time people notice the difference.

How Much Will You Get in 2025?

From July 2025, the new maximum monthly amounts are:

Child AgeMaximum Monthly Amount (Low-Income Families)Under 6 years old$649.756–17 years old$547.50

This is roughly $17–$19 more per child than last year. Families earning above $37,487 will still get something, but the benefit decreases as household income rises. You can check your exact payment using the CRA’s online CCB calculator.

When Will the Money Arrive?Direct deposit: Tuesday, August 20, 2025 (funds should appear in your bank account that day)Paper cheque: Allow a few extra business days for delivery by mail

Other payment dates for the rest of the year include September 20, October 18, November 20, and December 13.

How to Apply If You’re Not Getting It Yet

If you think you’re eligible but aren’t receiving CCB, you can apply in three ways:

Through your CRA My Account online portalBy mail using Form RC66, Canada Child Benefits ApplicationAt birth registration in most provinces, when you sign up for your child’s birth certificate

Once approved, you don’t have to reapply every year—but you must file your taxes annually to keep the payments coming.

Why This Increase Matters

Even a modest increase can go a long way when grocery bills, gas prices, and rent seem to have only one direction—up. In Quebec, where many families juggle childcare, transportation, and housing costs, that extra monthly support acts as a small financial cushion. And because it’s tax-free, there’s no “catch” waiting for you in April.

Fact Check

This boost to the Canada Child Benefit is real and was announced by the Government of Canada in July 2025. The CRA confirmed the updated rates and payment schedule on its official site, and the August 20, 2025 payment date is listed on their official benefit dates page.

FAQsWhat is the Canada Child Benefit (CCB)?

A monthly, tax-free payment from the federal government to help parents with the cost of raising children under 18.

Who is eligible for the CCB?

Parents or primary caregivers who live in Canada, care for a child under 18, and file income taxes each year.

How much can I get in August 2025?

Up to $649.75 per month for children under 6, and up to $547.50 for children aged 6–17, depending on income.

When is the next payment date?

Tuesday, August 20, 2025 (direct deposit), with cheques arriving a few days later.

Do I need to pay tax on the CCB?

No. The payment is completely tax-free.

Imagine waiting three months just to get a date for your driving test—and then finding out you could’ve had a slot next week if only you’d known where to look. That’s been the frustration for thousands of Canadians over the past few years, especially after the pandemic backlog. But 2025 is shaking things up. This year, several provinces have rolled out a brand-new, fully online driving test booking system that promises to be faster, fairer, and a whole lot less stressful.

What’s Changing in 2025

Until now, booking your driving test in Canada was… well, let’s be kind and call it “old school.” In many provinces, you had to phone in, wait on hold forever, or physically visit a licensing office just to get an appointment. Some people even paid third-party services to grab cancellations for them. But as of August 2025, provinces like Ontario, British Columbia, Alberta, and Quebec are switching to a centralized online system.

This means no more calling around, no more driving to the office just to be told the next available slot is months away. Now, you log in, see every available test date in real time, and book instantly. If someone cancels, the slot pops up right away for others to claim.

Why the Change Was Needed

The move comes after the 2024 backlog crisis, when urban centers in provinces like Ontario and B.C. saw wait times of over three months. New drivers were left in limbo, jobs that required driving licenses were delayed, and some people resorted to paying hundreds of dollars to unofficial “slot finders.”

With the new system, every province’s testing centers connect to one database, making cancellations visible instantly and eliminating wasted time. It’s part of a broader Canadian government push for modernizing public services—similar to what Service Canada has been doing with passport and benefits systems.

How to Book Your Driving Test in 2025

The process is now standardized across participating provinces, although each still has its own official portal. Here’s what you generally need:

StepActionNotes1Go to your province’s official driving test booking websiteExamples: DriveTest Ontario, ICBC2Log in with your driver’s licence number or customer IDFirst-time users may need to create an account3Choose your test type (G1, G2, Class 5, etc.)Some provinces use different class names4Browse available dates and locationsCancellations appear instantly5Pay the test fee onlineMost accept credit cards or Interac e-Transfer6Confirm and save your bookingYou’ll get an email or SMS confirmationBenefits for City and Rural Drivers

Urban drivers benefit from reduced wait times and the elimination of “secret” cancellations only insiders knew about. Rural drivers, on the other hand, now see availability in nearby towns without having to call multiple centers.

And since you can reschedule online, there’s no penalty for shifting your appointment—unless you’re within the province’s minimum cancellation notice window (often 48 hours).

Provinces That Have Adopted the New SystemProvinceStatus (as of Aug 2025)OntarioLiveBritish ColumbiaLiveAlbertaLiveQuebecLiveManitobaExpected late 2025SaskatchewanExpected early 2026Real-Time Cancellations: A Game Changer

The biggest improvement might just be the cancellation feature. Before, a cancelled test slot might go unnoticed for days, if not weeks. Now, it’s visible instantly. That means if you’re refreshing the page at the right time, you could move your test date up by months.

It’s worth noting that some provinces are also considering automated waitlist alerts—so you’d get a text or email when a slot opens up in your preferred location.

Potential Drawbacks

While the system is more convenient, it does require internet access and basic computer skills. That could be a hurdle for some older applicants or those in remote areas with poor connectivity. In those cases, some provinces will maintain limited in-person booking support, but the focus will be on guiding people to use the online method.

Fact Check

This change is real and officially confirmed by multiple provincial transportation departments. Ontario’s Ministry of Transportation announced the upgrade earlier this year, with B.C.’s ICBC confirming its own rollout in June 2025. Alberta and Quebec followed in July. While the idea of “one Canada-wide booking site” isn’t accurate (each province still runs its own), the systems now talk to each other within provinces, eliminating wasted slots.

FAQsCan I still book my test by phone?

In most participating provinces, phone bookings are being phased out, though limited support may remain for accessibility reasons.

Do I need to pay extra for faster bookings?

No. The system is first-come, first-served, and free to use apart from the standard test fee.

Will the new system work for motorcycle and commercial licences too?

Yes, though availability may vary by province and class type.

Can I use the system if I’m from another province?

You can only book in the province where you’re eligible to take the test.

What happens if my internet goes down during booking?

If payment doesn’t process, your slot isn’t confirmed—so you’ll need to try again.

If you’ve been scrolling through Canadian retirement news lately, you’ve probably stumbled across the magic number: $3,716 a month. Sounds like one single fat pension cheque, right? Not quite. In reality, that figure is what you could theoretically pull in during 2025 if you max out three separate programs — Old Age Security (OAS), Canada Pension Plan (CPP), and the Guaranteed Income Supplement (GIS).

Now, the key word here is theoretically. Very few people actually hit that number. But knowing how each benefit works — and how to squeeze the most out of them — could put you a lot closer to it than you might think.

Where the $3,716 Comes From

In 2025, the government has set the maximums for each program as follows:

ProgramMonthly Maximum (2025)Who Qualifies for Max?Old Age Security (OAS)$727.67 (65–74) / $800.44 (75+)40+ years in Canada after age 18, no clawbacksCanada Pension Plan (CPP)$1,364.60Full contributions at maximum earnings for most of your careerGuaranteed Income Supplement (GIS)$1,086.88Low-income seniors already getting OAS

Add those top figures together and — voilà — you get $3,716 a month. But you can only hit that total if you qualify for the absolute maximum in all three.

Old Age Security (OAS) — The Basic Pillar

OAS is Canada’s “you lived here, you get this” benefit. You don’t need to have worked a single day, but you must have been a legal resident in Canada for at least 10 years after turning 18 to get anything at all. For the full amount, you generally need 40 years of residency.

In 2025:Ages 65–74: $727.67/monthAge 75+: $800.44/monthHigh-income seniors (over $86,912/year) face the OAS clawback, which reduces payments.Delay starting OAS until 70? You’ll get 0.6% extra per month delayed — up to a 36% boost.

Details straight from the source: Government of Canada OAS page.

Canada Pension Plan (CPP) — Pay In, Get Out

CPP is your personal pension savings plan, but run nationally. Your monthly payout depends entirely on how much you contributed and for how long.

Max monthly in 2025: $1,364.60 (at age 65 with full contributions)Average payment: $811.21/month (most people fall here)Start early (as young as 60) and you’ll see reduced payments for life.Wait until 70, and you could see up to 42% more than starting at 65.

You can run the numbers yourself on the Government of Canada CPP calculator.

Guaranteed Income Supplement (GIS) — For Low-Income Seniors

The GIS is like a safety net layered over OAS for seniors with little or no other income. It’s tax-free and automatically added to your OAS if you qualify — but only if you’ve filed your taxes.

Max for singles in 2025: $1,086.88/monthThe payment drops as your income rises.Missing your tax return can stop payments cold, so file on time even if you owe nothing.

Learn more from the official GIS eligibility page.

Payment Dates in 2025

These programs are all paid on the last three business days of each month. Knowing those dates can help you line up bill payments or plan when that grocery top-up is coming in.

Tips to Maximize Your PensionWork longer and contribute fully to CPP.Delay OAS and CPP for higher monthly amounts.Keep your income low enough to avoid OAS clawbacks if possible.Always file taxes, even with zero income, to keep GIS flowing.The Bottom Line

There’s no single $3,716 cheque waiting for you in 2025 — it’s a best-case scenario from stacking maximum OAS, CPP, and GIS. But if you play the long game, make smart work and tax decisions, and understand how the system rewards patience, you can seriously boost your monthly retirement income.

FAQsIs $3,716 a month guaranteed for all seniors in Canada?

No. It’s the combined maximum from OAS, CPP, and GIS, and most people won’t qualify for the full amount.

What’s the maximum CPP payment in 2025?

$1,364.60 per month at age 65, if you contributed at the maximum earnings level for most of your working life.

How much is OAS in 2025?

$727.67 per month (ages 65–74) or $800.44 (age 75+), before any clawbacks.

Who can get the GIS?

Low-income seniors receiving OAS. The amount depends on your other income.

When are these pensions paid?

On the last three business days of each month in 2025.

If you’ve ever thought the UK State Pension isn’t enough to live on, you’re not alone — and thousands of people are now putting their names to a bold plan to change it. A petition calling for the weekly State Pension to be raised to £549 — the equivalent of the UK’s full-time National Living Wage — has now crossed 18,700 signatures as of August 2025.

The proposal, launched by campaigner Denver Johnson, would not only increase pension rates but also lower the qualifying age to 60 and extend full payments to British expats. If it reaches 100,000 signatures by 26 May 2025, Parliament would be required to consider it for debate.

What the Petition Calls For

At its core, the proposal is simple but radical:

Raise the weekly State Pension to £549, equal to working 48 hours at £11.44/hour (the 2025 National Living Wage).Make the pension available to everyone aged 60 and over.End “frozen pensions” for British citizens living in countries without uprating agreements.

This would lift the annual State Pension to £28,554.24 — more than double the current rate.

How It Compares to the Current System

From April 2025, under the Triple Lock, the full New State Pension will rise by 4.1% to £231 per week (£12,016.75 per year). Even with this increase, it’s less than half of what the petition demands.

Petitioners argue that current rates don’t keep pace with energy prices, rent, food, and healthcare costs, and that many pensioners are being forced to choose between heating and eating.

Why This Is Controversial

Raising the State Pension to this level would be one of the biggest welfare reforms in UK history. The DWP has already responded — as required when a petition crosses 10,000 signatures — stating that the current system is “fair and sustainable” and that major increases would require significant tax rises or spending cuts elsewhere.

Critics say the proposal is unrealistic without large-scale tax reform, while supporters see it as an overdue fix to protect dignity in retirement and tackle elderly poverty.

The Frozen Pensions Issue

One major element of the petition is the demand to end frozen pensions — affecting roughly 453,000 UK retirees abroad in countries like Canada, Australia, and parts of Africa. These pensioners don’t receive annual uprating, meaning their pension amount stays frozen at the rate it was when they left the UK.

Campaigners say this policy is unfair and leaves many long-term expats struggling financially, despite having paid into the UK system for decades.

What Happens Next

If the petition reaches 100,000 signatures, it will be eligible for debate in Parliament. That doesn’t guarantee change — but it does force MPs to publicly address the issue. Until then, it remains a flashpoint in the ongoing conversation about how Britain funds retirement.

As of August 2025:

The petition has over 18,700 signatures.It must hit 100,000 by 26 May 2025 to be considered for debate.The current full New State Pension (from April 2025) will be £231/week.The petition calls for £549/week, starting at age 60, including expats.FAQsHow much is the State Pension now?

From April 2025, the full New State Pension will be £231 per week.

How much is the petition asking for?

£549 per week — equivalent to the UK National Living Wage for a 48-hour week.

Who started the petition?

Denver Johnson.

Will British expats be included?

Yes, the proposal aims to end frozen pensions abroad.

If you’re a UK pensioner — or have elderly family — the headlines from the Department for Work and Pensions (DWP) this month should make you pause. The government has now confirmed that more than £804 million in State Pension payments has been underpaid to over 130,000 retirees since records began on this error review in January 2021.

Some people are owed up to £12,000, while many others will receive thousands in backdated payments. The groups worst affected? Married women, widows, and pensioners over 80 — particularly those whose pension wasn’t automatically increased when life events, such as a spouse’s death, should have triggered it.

How This Happened

The review covers the period January 11, 2021 to March 31, 2025. During that time, the DWP identified 130,948 cases of underpayment, caused by a mix of:

Administrative errorsOutdated computer systemsMissed entitlement increases after changes in circumstances

In plain terms: the system failed to flag when pensions should have been recalculated. For example, some widows never received the higher rate they were due, and many married women weren’t automatically upgraded to the correct entitlement when their husbands reached State Pension age.

Tragically, not all the people owed money are alive to receive it. In such cases, payment may not always be reclaimable by their estate.

Who Was Affected Most

The DWP says most cases fall into three groups:

GroupDescriptionAverage Back PaymentMarried womenPension not increased when husband retired~£2,000–£5,000WidowsPension not reassessed after spouse’s death~£7,000–£9,000Over-80sNot receiving correct age-related entitlement~£11,000+

Some pensioners fall into more than one category, leading to even higher payouts.

The HRP Factor

A separate but related issue involves Home Responsibilities Protection (HRP) — a policy that protects State Pension rights for parents and carers who took time off work. Errors in recording HRP credits have led to 5,344 underpayment cases worth £42 million (as of September 2024).

The Voices Behind the Campaign

Former pensions minister Sir Steve Webb has been one of the loudest voices pushing for reform. He’s described this as “one of the biggest benefit scandals in decades,” noting that some women have been underpaid for 20 years or more.
Financial commentator Rachel Vahey from AJ Bell says the DWP must “prioritise quick and fair compensation” to restore trust.

What the DWP Says

A DWP spokesperson admits the scale of the issue is “unacceptable” and says they remain committed to identifying all underpayments and ensuring pensioners receive what they’re owed. The review team is continuing its work into 2026.

What To Do If You Think You’re Affected

If you suspect an underpayment:

Check your State Pension records at gov.uk/check-state-pensionCall the Pension Service on 0800 731 0469 with your National Insurance numberKeep documentation of your marital status, spouse’s pension history, and any caregiving years that might qualify under HRP

As of August 2025, the DWP’s official tally stands at £804.7 million underpaid to 130,948 pensioners. This figure does not include HRP errors, which are a separate correction worth £42 million so far. All amounts are based on DWP quarterly statistical releases.

FAQsWhat is the total amount underpaid?

£804.7 million across 130,948 pensioners, plus £42 million from HRP errors.

Who is most likely affected?

Married women, widows, and people over 80.

What’s the highest individual payout so far?

Some have received up to £12,000.

What is HRP?

Home Responsibilities Protection — credits for carers/parents to protect pension entitlement.

Can families claim for deceased relatives?

Not always — it depends on the circumstances and DWP rules.

The thought of losing your driver’s license at 70 can stir up more anxiety than your first driving test did decades ago. But starting August 2025, senior drivers in the UK might face a stricter process to prove they’re still safe behind the wheel. The Driver and Vehicle Licensing Agency (DVLA) is preparing new guidelines aimed at balancing independence for older adults with the safety of all road users — and not everyone is thrilled about it.

How Things Work Right Now

If you’re in the UK and you hit the big 7-0, the rules are fairly straightforward: renew your license every three years, fill out a form (online or by post), declare that you’re healthy enough to drive, and meet basic vision standards. Unless you’ve got a flagged medical condition, there’s no mandatory eye test, no driving re-test, no GP sign-off.
The process is quick, low-stress, and — critics say — possibly too lenient given today’s traffic realities.

What Might Change in August 2025

While the DVLA hasn’t yet dropped the official fine print, government statements and early briefings hint at more rigorous checks. Think of it as moving from “trust me, I’m fine” to “prove it, here’s the evidence.” Possible updates could include:

Potential ChangeWhat It Means for Drivers 70+Mandatory eye testsYou’d need to pass a certified vision check before renewalMedical fitness proofSigned confirmation from a GP for certain conditionsShorter renewal intervalsPossibly every 1–2 years instead of 3On-road driving assessmentsFor those with flagged conditions or complaintsDigital health data sharingAllowing DVLA access to relevant NHS records (with consent)

These proposals are backed by Department for Transport data linking aging to increased risks of slower reaction times, reduced peripheral vision, and cognitive decline — factors that can quietly undermine safe driving.

Who Will Be Affected Most

Not every over-70 driver will be grilled by the new system. If your eyesight meets the DVLA’s vision rules (you can read a number plate from 20 metres) and you have no significant medical history affecting driving, you may still just file the self-declaration.
The higher scrutiny will likely focus on:

Drivers with diagnosed neurological or visual conditionsThose recovering from major surgery or illnessIndividuals reported by healthcare professionals or family for unsafe drivingRepeat traffic offenders in the last renewal cycle

For official medical conditions that must be reported to DVLA now, see the current list at gov.uk/driving-medical-conditions.

Why the Change Is Happening

It’s partly numbers, partly safety. The UK’s over-70 population is growing rapidly — and with it, the proportion of older drivers. According to the Office for National Statistics, the number of people aged 70+ will rise by nearly 30% in the next two decades. That’s a lot of folks navigating roundabouts and dual carriageways with aging reflexes.

The goal here isn’t to strip licenses away at random, but to catch dangerous declines early — before they cause harm. Critics, however, argue that mandatory testing could unfairly single out older drivers, when accident rates among them are actually lower than for some younger groups.

The Family Conversation No One Wants to Have

If you’ve ever had to tell a loved one they might not be safe to drive anymore, you know it can get… tense. The car represents freedom, independence, even identity. Instead of diving in with, “Mum, you need to stop driving,” try:

Suggesting a voluntary driving assessment firstBooking an eye or health check togetherOffering to explore community transport options as backupsFraming it as safety for them, not just others

A gentle, respectful approach can turn a potential fight into a shared plan.

What to Expect Next

The DVLA is expected to release full guidance in late June or early August 2025. Given the public debate, we may see phased implementation, starting with drivers who already have notifiable medical conditions. Appeals will remain possible for anyone who feels they’ve been unfairly restricted.

As of June 2025, no law requires all drivers over 70 to take a mandatory driving test. The changes are still proposals, but DVLA sources and Department for Transport communications confirm that new rules will start rolling out from August 2025, with medical and vision standards likely to tighten first.

FAQsWill I automatically lose my license at 70?

No. If you meet the medical and vision requirements, you can continue driving.

Do I have to pass a driving test every three years now?

Not confirmed yet. The DVLA hasn’t announced compulsory driving tests for all senior drivers.

What medical issues could stop me from driving?

Severe cognitive impairment, significant vision loss, uncontrolled epilepsy, or other serious conditions.

Is this a form of age discrimination?

Not legally. The policy is framed around public safety, not punishment.

Can I appeal if I’m told I can’t drive?

Yes. There are established DVLA appeal processes if you believe a decision was wrong.

If you were born in the swinging sixties or early seventies, the UK government just quietly moved the finish line on your retirement marathon. Starting August 2026, the State Pension age will begin climbing from 66 to 67 — a change that will hit millions of people squarely in their plans for a well-earned rest.

This isn’t some out-of-the-blue decision. Parliament signed off on it back in 2014, but with the date now less than a year away, it’s suddenly feeling very real for those approaching the home stretch.

Who’s Affected

The new age requirement covers anyone born between March 6, 1961, and August 5, 1977. That’s a huge swath of the workforce — from people who were dancing to Abba in college to those just a few years shy of Gen X. If you’re in that bracket, your State Pension clock won’t start ticking until you blow out 67 candles.

Here’s the kicker: the increase won’t happen overnight. It will roll out gradually between August 2026 and March 2028, inching up month by month.

Date Range of BirthState Pension AgeBefore 6 Mar 1961666 Mar 1961 – 5 Apr 1967Between 66 & 67 (phased)6 Apr 1967 – 5 Apr 197767

You can check your exact date using the government’s State Pension age calculator.

Why the Age Is Going Up

Back when the modern State Pension launched in 1948, life expectancy was about 66 years — barely long enough to collect a year’s worth of payments. Fast forward to today, and average life expectancy in the UK is over 80. Many people are drawing pensions for two decades or more.

That’s great news for health and longevity… but tough on the Treasury. The State Pension already costs over £100 billion a year, and with the over-65 population set to grow rapidly, the numbers don’t add up without either higher taxes, smaller payouts, or — you guessed it — later eligibility.

The Department for Work and Pensions (DWP) says this is about “keeping the system sustainable” for future generations. Critics point out that while people are living longer on average, many are not living healthier — and delaying access could hit lower-income workers, manual labourers, and those in poor health hardest.

And There’s More on the Horizon

The rise to 67 is already locked in, but policymakers are eyeing age 68 next. Officially, that’s scheduled for between 2044 and 2046 — but recent chatter suggests it could be pulled forward, possibly to the late 2030s. There’s even speculative talk of 69, though no formal proposals exist.

The DWP reviews pension age every five years, and with a new Labour government settling in, a fresh review is on the cards. Translation: don’t assume the 67 mark will stay fixed for long.

Some Good News: The Pension Itself Is Rising

While you may have to wait longer to claim it, the State Pension will rise by 4.1% in August 2025, thanks to the Triple Lock guarantee. That mechanism ensures pensions increase each year by the highest of:

Wage growthInflation (CPI)2.5%

This bump means the full New State Pension will go up to £12,016.75 a year — about £231 a week — an extra £474.85 annually for those on the full rate.

Planning Ahead

If you’re in the affected group, you’ve got less than a year to factor this into your retirement strategy. That might mean:

Boosting private pension contributions while you canConsidering ISAs or other investments for income flexibilityReviewing your mortgage or debt timelines to match the new start dateLooking at phased retirement or part-time work options to bridge the gap

The bottom line: the earlier you adjust, the less painful the shift will feel.

As of August 2025, the increase from 66 to 67 is confirmed and written into law. It begins August 2026 and completes March 2028. Anyone claiming otherwise — like saying “it’s just a proposal” — is outdated.
The move to 68 is planned for the 2040s but may be brought forward; there’s no official legislation for age 69.

FAQsWhen does the State Pension age start rising?

August 2026, phased in until March 2028.

Who will be affected?

Anyone born between March 6, 1961, and August 5, 1977.

Is there already a plan for age 68?

Yes, scheduled for 2044–2046, but under review.

How much will the State Pension be in August 2025?

£12,016.75 per year, about £231 per week.

How can I check my State Pension age?

Use the official GOV.UK calculator.

If you’re past State Pension age and struggling with day-to-day tasks because of a long-term illness or disability, the UK government has a lifeline you might be missing out on — the Attendance Allowance. Managed by the Department for Work and Pensions (DWP), this tax-free payment isn’t about mobility needs (so no, it won’t fund a scooter), but it can make a real difference in covering the cost of personal care. Even better, getting it can unlock access to other financial help you may not realise you’re entitled to.

In 2025, the higher rate is worth £110 per week, which means someone who qualifies could receive up to £441.60 every four weeks — money that can go toward care support, home help, or even just making daily life a little easier.

Who Can Claim Attendance Allowance

Attendance Allowance is for people who’ve reached State Pension age (currently 66, rising to 67 from April 2026) and have a long-term physical or mental health condition that affects their ability to look after themselves. You don’t have to have a carer living with you — the key is that you need regular help or supervision for personal care. That could mean:

Needing help washing, dressing, or eatingNeeding supervision to stay safe (for example, due to dementia, seizures, or falls)Ongoing medical needs that require daily monitoring

Your illness must be expected to last at least 12 months (unless you’re terminally ill, in which case there’s a faster-track process).

The Two Payment Rates

The DWP sets Attendance Allowance at two levels, depending on how much help you need:

LevelWeekly Rate (2025)Who QualifiesLower rate£73.75Help needed during the day or nightHigher rate£110.00Help needed during the day and night, or you’re terminally ill

Payments are made directly to your bank account every four weeks.

How It Could Boost Your Other Benefits

Getting Attendance Allowance can open the door to extra financial help, because it acts as a “passport benefit” for other schemes. Once approved, you might also qualify for:

Pension Credit top-upsHousing Benefit (if you rent)Council Tax ReductionSupport with heating costs through certain schemes

If someone cares for you for 35 hours a week or more, they may also be eligible for Carer’s Allowance — even if you’re not paying them.

How to Apply

The process is pretty straightforward but requires thorough documentation. You’ll need:

A completed Attendance Allowance claim form (download from GOV.UK or request by phone)Details of your health condition(s) and how they affect your daily lifeInformation about your doctors or other healthcare providers

After you apply, the DWP may contact your GP or specialist for confirmation. Processing typically takes around three weeks, though it can be longer if extra medical evidence is needed.

If you’re terminally ill, your claim is fast-tracked under the Special Rules — meaning you can receive the higher rate immediately, without the usual qualifying period.

Key Things to RememberIt’s not means-tested — your income and savings don’t affect eligibility.It’s tax-free — the full amount is yours.You can receive it whether you live alone or with family.It doesn’t affect your other income — in fact, it can help increase it.

As of August 2025, the Attendance Allowance weekly rates remain £73.75 (lower) and £110.00 (higher). Payments are still made every four weeks, and the benefit is not linked to income or savings. The DWP has not announced any rate changes for 2026 yet, but given the rising cost of living, adjustments may be considered in the next Budget.

FAQsCan I still work and claim Attendance Allowance?

Yes. It’s not linked to income, so working won’t affect eligibility.

Is Attendance Allowance taxable?

No. It’s completely tax-free.

Will my savings stop me from getting it?

No. Savings and income are not part of the assessment.

Can someone help me with the application?

Yes. A family member, friend, or adviser can fill out the form with you.

Here’s a refined article tailored to your title “Citizen Journalism Meets Influencer Culture in the Wild West of Gen Z Reporting”, as Astro Baba would craft it:

Citizen journalism and social media influence are colliding in a chaotic yet captivating landscape shaped by Gen Z’s digital fluency. From TikTok reporting to “newsfluencers,” we’re seeing a transformation in how news is created, shared, and trusted—a frontier where the borders between reporter, commentator, and creator are fluid.

The Rise of Citizen Journalism in the Digital Age

Citizen journalism empowers everyday individuals—armed with smartphones and social media—to collect, verify, and share news independently of traditional institutions. Features like open publishing and collaborative editing have enabled this grassroots movement to bloom, challenging conventional news gatekeeping. (Vanity Fair, Wikipedia)

Influencers as Unconventional Newsers

Enter the “newsfluencer”—a hybrid of influencer and journalist—who uses platforms like TikTok, Instagram, Substack, or Twitch to deliver timely commentary, civic reporting, and current events, often with a personal, peer-led tone. These creators offer speed and intimacy that institutional outlets often lack. But this immediacy comes with concerns about journalistic rigor. (Wikipedia)

Gen Z’s Media Ecosystem: Blended and Distrustful

In India, a staggering 91% of Gen Zers get news through social media, with 48% following niche or civic creators and 43% following formal news outlets. Interestingly, institutional news still commands more trust than independent creators. (Storyboard18)
Elsewhere, a Pew study revealed that one in five Americans regularly receive news from influencers. (International Journalists’ Network)

The Wild West Analogy: No Standards, No Barriers

Journalism in this era is being likened to the “Wild, Wild West”—a terrain with no established bar to entry and no universal standards for news creators. Anyone can become a publisher; the onus falls on consumers to critically assess credibility. (International Journalists’ Network)

GenAI and the Acceleration of Creator-Centric News

Generative AI tools have lowered the barrier for content creation—allowing anyone to churn out content, though not always responsibly. Many creators leverage AI to produce large volumes of information (sometimes misinformative), driven by influencer narratives rather than factual accuracy. (arXiv)

Informed Yet Confused: Gen Z’s Relationship with Journalism

Gen Z’s understanding of journalism is often superficial—many don’t even know what makes someone a journalist. There’s a gap in recognizing the skills and effort behind reporting, which figures like TikTok’s Kelsey Russell are addressing by breaking down news literacy and celebrating journalistic work. (New York Post)

We’re witnessing a frontier where citizen journalism and influencer culture merge, powered by Gen Z’s demand for authenticity, immediacy, and engagement. Yet this terrain is fraught with challenges—misinformation, lack of standards, and blurred credibility. Guiding Gen Z toward media literacy and ethical content will be essential to tame this Wild West.

FAQsWhat defines a newsfluencer?

A newsfluencer is a content creator who blends platform-based influence with news commentary—prioritizing immediacy and personality over traditional editorial standards. (Wikipedia)

Why is Gen Z drawn to citizen reporting?

They value authenticity, relatability, and the democratization of news—making peer-led, conversational reporting more appealing than institutional formats. (Storyboard18)

What are the risks of influencer-driven news?

Without fact-checking or accountability, risks include misinformation, bias, and manipulative political messaging—issues amplified when political campaigns use creators to bypass traditional media filters. (WIRED)

How can we improve media literacy among Gen Z?

Initiatives like Kelsey Russell’s TikTok lessons show the power of explaining journalism basics and encouraging critical reading and trust in trained reporters. (New York Post)

Is traditional media still relevant to Gen Z?

Yes—while social media dominates, 47% of Gen Z in India still trust news organizations over civic or niche creators. (Storyboard18)

If you had a Capital One 360 Savings account anytime between Sept. 18, 2019 and June 16, 2025, there’s a good chance you’re part of a $425 million settlement—and you won’t even need to file a claim form to get paid.

Why They’re Paying Up

A class action lawsuit accused Capital One of keeping 360 Savings interest rates lower than they should’ve been—while quietly giving higher rates to their newer 360 Performance Savings accounts.

The claim?

They didn’t tell customers about the rate differences.They didn’t bump up rates for 360 Savings customers even when Performance Savings rates went up.

Capital One says they did nothing wrong… but they’re still cutting a $425 million check to make it go away.

Who Gets Paid and How Much

Eligibility:

You must have had a Capital One 360 Savings account between Sept. 18, 2019 and June 16, 2025.

What you’ll get:

A cash payment based on how much extra interest you should have earned if your account had been paying the Performance Savings rate during that time.If you still have your account open after Oct. 2, 2025, you’ll also get a share of $125 million in extra interest payments going forward.Closed your account before Oct. 2, 2025? You’ll miss that second part.The Important DatesDateWhat It MeansOct. 2, 2025Last day to opt out or object to the settlement (also the cutoff for extra interest eligibility)Nov. 6, 2025Final approval hearingNo set datePayouts happen after court approvalHow to Get Paid

The best part? No claim form is required. If you’re eligible and you do nothing, you’ll get your payment automatically.

But—if you want it electronically instead of a paper check, you’ll need to update your payment info on the settlement site: CapitalOne360SavingsAccountLitigation.com

$425M total settlement + $125M extra interest pool for those who keep their accounts open past Oct. 2, 2025Applies to anyone with a 360 Savings account during the covered periodAutomatic payment—no claim form neededUpdate your payment method for faster payoutWatch out for fake emails or phishing links—stick to the official site

In June 2025, Capital One agreed to a $425 million settlement to resolve claims it failed to raise interest rates on its 360 Savings accounts between Sept. 18, 2019, and June 16, 2025, while offering higher rates on its 360 Performance Savings accounts. According to court filings in In re: Capital One 360 Savings Account Interest Rate Litigation, Case No. 1:24-md-03111-DJN, plaintiffs alleged the bank concealed this rate discrepancy from customers. Capital One denied wrongdoing but agreed to compensate affected account holders with payments based on the extra interest they would have earned if they’d received the Performance Savings rate.

An additional $125 million in interest will go to current account holders who keep their accounts open past Oct. 2, 2025. No claim form is required; eligible customers will automatically receive payments unless they opt out by the Oct. 2, 2025 exclusion deadline. The final approval hearing is set for Nov. 6, 2025, and updates are available at the official settlement

Source

FAQWhat is this settlement about?

A lawsuit claimed that Capital One kept interest rates on its 360 Savings accounts lower than those on its newer 360 Performance Savings accounts — without telling customers. The bank denies wrongdoing but agreed to pay $425 million to settle.

Who is eligible?

Anyone who had a Capital One 360 Savings account at any time between Sept. 18, 2019 and June 16, 2025.

How much money will I get?

It depends on your account balance during the covered period and how much extra interest you would’ve earned if your rate matched the Performance Savings rate. There’s no flat amount — payments will vary.

Will I get extra interest too?

If you keep your 360 Savings account open after Oct. 2, 2025, you’ll be eligible for a share of an additional $125 million in extra interest payments. If your account is closed before that date, you won’t get the extra interest.