'I never dreamed I was entitled to benefits'

Pam, aged 75, was so stricken by anxiety and depression that she was unable to open bills and letters that landed on her doormat.

"I never dreamed at any point that with my income that I was actually entitled to any benefits," said Pam. Among two million pensioners in poverty, there are concerns that those with black or Asian backgrounds, the over-85s, renters, and single, female pensioners are over-represented.The charity said that 920,000 pensioner households were missing out on Pension Credit payments worth up to £1.6bn a year. On average, they could get £32 a week, or more than £1,600 a year.

"Anyone can use the Department for Work and Pension's free online Pension Credit calculator to check eligibility and get an estimate of what they might receive.

Something the BBC and British Politicians will never talk about is the fact that over 50% of the near £200 billion yearly welfare bill is given to those who earn or have an income higher than the average wage of £28k in the United Kingdom insidethewelfarestate

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