There are concerns from charities and consumer groups that the UK government's system of means testing may be denying some pensioners their rightful benefits to top up their income.

<p>The Mail on Sunday newspaper has reported that the government&#0039;s Department for Work and Pensions (DWP) is making an overly generous assumption about the rate of return pensioners are likely to receive from their savings. <br /><br />These unrealistic calculations are then used to determine the level of top up credits paid out to recipients, the newspaper reports. The DWP assumption is based on the premise that any savings of more than GBP6,000 are generating returns of over 10%, while pensioner groups argue that such an elevated rate is not available in reality, with 5% being the best that savers could expect.</p>