How to check if you need to opt out of Winter Fuel payments

By Editorial team · Updated 18 September 2026 · Applies to England

In short

If you receive help for your heating bills during the cold months, HM Revenue and Customs may collect the money back through your tax code if your earnings are high. You can choose to opt out of receiving the payment beforehand. This guide explains how to check your status and what steps you need to take.

What the HMRC Winter Fuel Payment changes mean for state pensioners

If you are an older person, you might receive financial help with your heating bills during the cold months. Making a Winter Fuel Payment opt out choice is important if your earnings are high. HM Revenue and Customs and the DWP manage these support systems. This applies to England. If your total yearly earnings pass the government limit, the tax service will take the money back automatically through your tax code or tax return.

How to check if you are affected by the new monthly charges

To find out if your household is affected by these tax rules, you need to check your total yearly earnings before any deductions are taken. Your partner's earnings do not count towards your total amount. Only your individual money matters for this official check.

  • Add up all the money and pensions you expect to receive in the tax year.
  • Check if your total earnings pass the official government threshold set by authorities.
  • Look out for official letters or email notifications from GOV.UK about your tax code changes.

Steps to take before the upcoming HMRC Winter Fuel Payment opt out deadline

If your earnings are over the limit and you want to avoid future tax adjustments, you should take action quickly. There are specific closing dates for telling the government that you do not want to receive the heating support money.

  • Visit GOV.UK or log into your online pension service account.
  • Find the correct online form to stop the heating payment.
  • Submit your personal details and National Insurance number before the closing date.

How to contact HMRC if you need help with your pension tax status

If you have questions about your tax code or need assistance with your pension status, you can reach out to official support services. Make sure you have all your personal information ready before you call or write to the departments.

  • Keep your National Insurance number close by.
  • Have your correct date of birth and current home address ready.
  • Contact the DWP or HM Revenue and Customs helpline during their normal opening hours.

Common questions

Do I have to pay back the heating help?
If your earnings pass the government limit, HM Revenue and Customs will take the payment back through your tax code or tax return unless you choose to opt out.
Does my partner's income count towards the limit?
No, only your individual income is counted towards the threshold.
How do I choose to stop receiving the payment?
You can use GOV.UK or contact the Winter Fuel Payment Centre directly by phone or post.

Benefits in this guide

Who wrote this
Our editorial team, with AI assistance, from the official pages listed on this page. It was checked automatically for unsupported figures and copied text, but it has not yet been read by a person. If something looks wrong, please tell us.
Not advice
This is general information for England. What you can get depends on your circumstances — check with the organisation that runs the scheme before you act.