From the Arthur Penrose · UK Pension Guide channel — the payments, forms & phone scripts from the videos, in one book.
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The UK Pension & Benefits Playbook · 2026/27 Edition

The Pension & Benefits Rules No One Explains — In Plain English

The rules from the Arthur Penrose videos — plus the Money Map, the word-for-word phone scripts, the forms and the claim calendar that never fit into a video. Every figure checked against the official source: GOV.UK, the DWP and HMRC.

£69.9 £12.99 Save 81%

● Launch price

Get the Playbook →

🔒 Secure Gumroad checkout · ⚡ Instant download · Yours to keep · No subscription

The UK Pension & Benefits Playbook — 2026/27 Edition by Arthur Penrose, 3D book cover

Digital PDF edition — delivered by email. No physical book is shipped.

26Chapters
203Pages
The Money MapYour Whole Claim on One Page
IncludedMaster Phone Book
The Stakes Are Real

Two Pensioners. Same Entitlements.
Very Different Outcomes.

The rules are the same for everyone. The difference is whether somebody showed you where they're written down.

✕ WITHOUT THE PLAYBOOK

  • You assume your savings rule you out — and never make the call
  • A letter arrives from the DWP and you guess what it means
  • The backdating window slides past, one week at a time
  • You ring the wrong office, in the wrong order, with nothing prepared
  • The heating help, the council tax help, the extras — none of it ever checked

✦ WITH THE PLAYBOOK

  • The Money Map puts the biggest payments in front of you on one page, before you begin
  • You read the word-for-word script — and you know what NOT to say
  • The right number, the right form and the right order, printed in the book
  • Every figure checked against GOV.UK, the DWP and HMRC — with the page shown so you can verify it yourself
  • Every chapter ends with a checklist — tick the boxes and it's done
Arthur Penrose in his London studio
Arthur Penrose — in the London studio of the UK Pension Guide channel
Meet Your Guide

A Note from Arthur

Hello — I'm Arthur Penrose, and if you've come to this book from the UK Pension Guide channel, you already know what I do there: I read the official publications so that you don't have to, and I explain what they mean in plain English. This book is where all of it lives in one place — the channel's companion, written to sit next to your telephone.

Let me be straight with you about who I am, because you deserve that. I am not a benefits adviser. I am not a financial advisor. I never worked for the DWP, for HMRC, or for any government department. What I do is simpler: I read the rules — the publications of the Department for Work and Pensions, HMRC and the NHS, and the GOV.UK pages that most people never find — and I set them out plainly, with the exact figures, the right forms and the phone numbers to act on them. Every figure in these pages was checked against the official source, and every chapter shows you how to check it yourself. Don't take my word for your money; take the government's word. I'll simply show you where it's written down.

A video ends. A book stays on the shelf until the day you need it. I hope that day is a profitable one.

Arthur Penrose — Arthur Penrose
Look Inside

Real Pages from the Book

Set in clear, large type — the way it will sit next to your telephone. These are actual pages from the 2026/27 Edition.

The contents pages of the Playbook, listing the chapters
The ContentsEvery chapter in order — pensions, disability and caring, home and heating, tax, wills, care and lost money.
The Money Map page — the biggest payments and what they are worth
The Money MapThe biggest doors in the book on one page — what each is worth, and exactly which figure it is.
A 'What to say' script page from the Pension Credit chapter
A Real “What to Say” PageThe exact sentence for the Pension Credit call — and the sentence that quietly costs people money.
What's Inside

All 26 Chapters

Your State Pension, Pension Credit, disability and carer's payments, heating, housing, council tax, tax, wills, care fees and lost money — each chapter with the rule in plain English, the exact figures, a word-for-word phone script, and a checklist to finish the job. Where Scotland, Wales or Northern Ireland do things differently, the chapter says so.

1

The Money on the Table: £2.5 Billion Going Unclaimed

2

Your State Pension: What You'll Actually Get (£241.30 a Week)

3

April 2027: The Rise That Pushes Your Pension Over the Tax Line

4

Pension Credit: The £4,500-a-Year Key That Unlocks Everything

5

The £16,000 Myth: Five Pension Credit Rules That Catch People Out

6

Stacking the Extras: £86.05 + £48.15 on Top of Your Guarantee

7

Attendance Allowance: £114.60 a Week, No Means Test — and No Backdating

8

Beyond Attendance Allowance: Grants, Badges and Scotland's Own Payment

9

Carer's Allowance: £86.45 a Week — and the Trap That Can Cost Your Partner £86.05

10

Winter Fuel Payment: Born on or Before 27 June 1960?

11

£150 Off Your Energy Bill: Warm Home Discount and the Payments That Arrive on Their Own

12

Housing Benefit After Pension Age: The Claim Working-Age Britain Lost

13

Council Tax: The Discounts, the Disregards and the 100% Exemption

14

Your Pension and the Taxman: The £22.40 Gap

15

6 April 2027: The Tax Changes Already Written Into Law

16

Free at 60: Prescriptions, Eye Tests and Help With NHS Costs

17

Free Bus Travel, Cheaper Trains — and the Licence Renewal That Carries a £1,000 Fine

18

When Your Partner Dies: Money, Deadlines and the First Phone Call

19

Your Home, Your Will and the 40% Question: Inheritance Tax After April 2027

20

Care Fees: What the Council Can Take — and What It Cannot

21

Lost Money: Pension Pots, Dormant Accounts and the £120,000 Safety Net

22

Refused? The Form, the Deadline and the Words for a Mandatory Reconsideration

23

Your Free Expert Team: The Help That Costs Nothing

24

The DWP's Bank Powers: What They Can See — and What the Law Says They Cannot

25

The Scam Shield: Calls, Texts and the Three-Second Silence

26

Your First Week: The Seven-Day Plan That Claims It All

Only in the Book

What the Videos Can't Give You

A video explains. A book sits next to your telephone. These are the working tools that only exist in the Playbook:

The Money Map

The biggest payments in the book on a single page — what each one is worth, and which figure it really is.

Word-for-Word Phone Scripts

The exact words for the calls that matter, written out in full — and what NOT to say, so you don't talk yourself out of money.

The Master Phone Book

Every helpline number you need, gathered in one place at the back of the book, printed in full.

A Checklist in Every Chapter

Each chapter ends with a “Do this today” list: what to do, which form to ask for, which number to ring.

Simple & Safe

How It Works

1

Get the Book

One payment of £12.99 at the launch price — secure checkout on Gumroad. No subscription, nothing renews.

2

Read on Any Device

The PDF arrives by email right after checkout and opens on your phone, tablet or computer. Print any page you want to keep by the phone.

3

Work the Money Map

Start with the Money Map, then take one chapter at a time — tick the checklist and make the call with the script in front of you.

The UK Pension & Benefits Playbook — 2026/27 Edition cover

The UK Pension & Benefits Playbook — 2026/27 Edition

By Arthur Penrose · 203 pages · 26 chapters · Instant PDF download

£69.9 £12.99 Save 81%

Launch price — one payment, yours to keep.

Get the Playbook →

🔒 Secure Gumroad checkout · ⚡ Instant download · Yours to keep · No subscription

Common Questions

Frequently Asked Questions

Is this a physical book?

No — it's a digital PDF edition (203 pages), so there is no postage and no waiting. You can read it on a phone, tablet or computer, and print any page you want to keep by the telephone.

How do I get the book after I pay?

Gumroad sends your download link by email as soon as checkout is complete, and the book also stays in your Gumroad library for re-downloading. Most readers are reading within a couple of minutes.

What devices can I read it on?

Any device that opens a PDF: iPhone, Android phone, iPad or other tablet, e-reader, and any Windows or Mac computer. No special app and no account beyond your email are needed.

Who is this book for?

UK pensioners — and people approaching State Pension age — who want to be sure they're not missing payments they're entitled to. It covers England, Scotland, Wales and Northern Ireland, and wherever a rule changes at a border, the chapter says so. Everything is written in plain English; no background knowledge is needed.

Where do the figures in the book come from?

From the official UK sources — GOV.UK, the DWP, HMRC and the NHS — checked in October 2026 for the 2026/27 Edition, and every chapter shows you how to check the figure yourself. This is an independent guide from Senior Benefits Press, not a government publication. If a figure in the book and GOV.UK ever disagree, GOV.UK wins — always check there for the very latest position before you claim.