In this section: Public finances
Benefit fraud, error and wrongly refused claims: both directions
Last updated . Figures refresh every night. How each figure is worked out.
DWP estimates that 3.2% of benefit spending (£9.9bn) was overpaid in 2025-26, £6.8bn of it through fraud, and 0.4% (£1.2bn) underpaid through official error. A further £3.7bn was not paid because claimants did not give DWP information that would have raised their award. An estimated £2.1bn of Pension Credit went unclaimed in 2023-24. At tribunal, 59.7% of benefit appeals decided at a hearing in 2025-26 went in the claimant’s favour.
Figure as of 14 May 2026. Source: Department for Work and Pensions, Department for Work and Pensions, Ministry of Justice.
Key figures
- £9.9bnOverpaid, 2025-26 (3.2% of spending) £9.4bn in 2024-25
- £6.8bnOf which fraud, 2025-26
- £4.9bnUnderpaid or not paid to people entitled, 2025-26 Official error plus unfulfilled eligibility
- £2.1bnPension Credit unclaimed, 2023-24
- 66.2%PIP appeals decided in the claimant’s favour at a hearing, 2025-26
Sources: Department for Work and Pensions, Ministry of Justice.
What is the short version?
- Estimates, not prosecutions: fraud and error figures come from reviewing a sample of claims each year. They are not counts of people caught or convicted, which are shown separately.
- Both directions: people are overpaid and underpaid, and some who are entitled never claim. All three are measured here on the same basis where DWP publishes it.
- Appeals are a different measure: a decision changed at tribunal can reflect new evidence as well as a wrong first decision.
The four numbers side by side
For each of the main benefits: what DWP estimates was paid out through fraud, what it paid in error itself, what people were underpaid, and, where DWP estimates it, what people entitled to the benefit never claimed. Appeals are in the table under the chart.
Unclaimed amounts are DWP take-up estimates for 2023-24 and exist only for Pension Credit and pensioners’ Housing Benefit. Appeals decided in the claimant’s favour are in the table below: they are counted in decisions, not pounds.
The numbers behind this chart
| Item | Fraud | Official error (overpaid) | Underpaid (official and claimant error) | Unclaimed by people entitled |
|---|---|---|---|---|
Universal CreditDetails for Universal Credit | £5,420m | £610m | £1,640m | — |
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Personal Independence PaymentDetails for Personal Independence Payment | £410m | £50m | £1,020m | — |
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State PensionDetails for State Pension | — | £60m | £440m | — |
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Pension CreditDetails for Pension Credit | £210m | £120m | £210m | £2,140m |
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Housing BenefitDetails for Housing Benefit | £460m | £60m | £170m | £880m |
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Employment and Support AllowanceDetails for Employment and Support Allowance | £100m | £20m | £180m | — |
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Figure as of 14 May 2026. Source: Department for Work and Pensions, Department for Work and Pensions, Department for Work and Pensions.
| Benefit | Fraud | Official error, overpaid | Underpaid | Appeals won by the claimant |
|---|---|---|---|---|
Universal CreditDetails for Universal Credit | £5.4bn | £610m | £1.6bn | 46.4% (6,672, 2025-26) |
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Personal Independence PaymentDetails for Personal Independence Payment | £410m | £50m | £1.0bn | 66.2% (32,888, 2025-26) |
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State PensionDetails for State Pension | not published | £60m | £440m | Not reported separately |
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Pension CreditDetails for Pension Credit | £210m | £120m | £210m | Not reported separately |
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Housing BenefitDetails for Housing Benefit | £460m | £60m | £170m | 26.6% (238, 2025-26) |
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Employment and Support AllowanceDetails for Employment and Support Allowance | £100m | £20m | £180m | 44.3% (948, 2025-26) |
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Overpayments and underpayments over time
DWP changed its methods over time, marked by breaks in its tables around 2020-21 as Universal Credit grew. Since 2022-23 underpayments caused by claimants are published separately as unfulfilled eligibility.
The numbers behind this chart
| Year | Overpaid (fraud and error) | Of which fraud | Underpaid (official error) |
|---|---|---|---|
2005-06Details for 2005-06 | 2.1% | 0.6% | 0.4% |
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2006-07Details for 2006-07 | 2.2% | 0.6% | 0.3% |
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2007-08Details for 2007-08 | 2.0% | 0.6% | 0.4% |
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2008-09Details for 2008-09 | 2.2% | 0.8% | 0.4% |
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2009-10Details for 2009-10 | 2.2% | 0.8% | 0.3% |
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2010-11Details for 2010-11 | 2.1% | 0.8% | 0.3% |
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2011-12Details for 2011-12 | 2.1% | 0.7% | 0.3% |
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2012-13Details for 2012-13 | 2.1% | 0.7% | 0.3% |
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2013-14Details for 2013-14 | 2.1% | 0.7% | 0.3% |
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2014-15Details for 2014-15 | 1.8% | 0.8% | 0.3% |
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2015-16Details for 2015-16 | 1.9% | 1.1% | 0.4% |
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2016-17Details for 2016-17 | 2.0% | 1.2% | 0.3% |
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2017-18Details for 2017-18 | 2.2% | 1.2% | 0.4% |
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2018-19Details for 2018-19 | 2.1% | 1.1% | 0.4% |
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2019-20Details for 2019-20 | 2.4% | 1.4% | 0.4% |
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2020-21Details for 2020-21 | 3.9% | 2.9% | 0.4% |
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2021-22Details for 2021-22 | 4.0% | 3.0% | 0.5% |
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2022-23Details for 2022-23 | 3.6% | 2.7% | 0.5% |
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2023-24Details for 2023-24 | 3.6% | 2.7% | 0.4% |
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2024-25Details for 2024-25 | 3.3% | 2.2% | 0.4% |
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2025-26Details for 2025-26 | 3.2% | 2.2% | 0.4% |
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Figure as of 14 May 2026. Source: Department for Work and Pensions.
| Benefit | Overpaid | Fraud | Claimant error | Official error | Underpaid |
|---|---|---|---|---|---|
All BenefitsDetails for All Benefits | 3.2% (3.0% to 3.5%) | 2.2% | 0.6% | 0.4% | 0.4% |
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Universal CreditDetails for Universal Credit | 8.5% (7.7% to 9.4%) | 6.8% | 0.9% | 0.8% | 0.4% |
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State PensionDetails for State Pension | 0.2% (0.1% to 0.3%) | not published | 0.1% | 0.0% | 0.3% |
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Personal Independence PaymentDetails for Personal Independence Payment | 2.3% (1.6% to 3.2%) | 1.4% | 0.7% | 0.2% | 0.2% |
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Housing BenefitDetails for Housing Benefit | 6.2% (5.6% to 6.8%) | 3.6% | 2.1% | 0.5% | 0.3% |
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Disability Living AllowanceDetails for Disability Living Allowance | 0.9% (0.6% to 1.2%) | 0.2% | 0.3% | 0.4% | 2.3% |
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Pension CreditDetails for Pension Credit | 10.0% (8.8% to 11.3%) | 3.5% | 4.6% | 2.0% | 1.3% |
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Attendance AllowanceDetails for Attendance Allowance | 2.2% (0.8% to 3.8%) | not published | 1.9% | 0.3% | 0.1% |
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Employment and Support AllowanceDetails for Employment and Support Allowance | 3.4% (2.0% to 4.9%) | 1.5% | 1.6% | 0.4% | 1.1% |
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Carer's AllowanceDetails for Carer's Allowance | 3.9% (1.3% to 6.5%) | 2.5% | 1.0% | 0.5% | not published |
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Jobseeker's AllowanceDetails for Jobseeker's Allowance | 4.6% (2.0% to 7.1%) | 3.1% | 0.3% | 1.2% | 1.2% |
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Income Support TotalDetails for Income Support Total | 3.9% (2.4% to 5.4%) | 2.4% | 1.0% | 0.4% | 0.3% |
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Incapacity BenefitDetails for Incapacity Benefit | 2.4% (1.1% to 3.7%) | 0.3% | 0.9% | 1.2% | 0.7% |
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Source: Department for Work and Pensions, Fraud and error in the benefit system, FYE 2026 estimates, published 14 May 2026; Department for Work and Pensions, Unfulfilled eligibility in the benefit system, FYE 2026 estimates, published 14 May 2026.
Child Benefit and tax credits (HMRC)
HMRC runs Child Benefit and ran tax credits until they closed in April 2025. Its annual statistics series on tax credits error and fraud ended with 2021-22; later figures are in its annual report.
The numbers behind this chart
| Year | In the claimant’s favour | In HMRC’s favour |
|---|---|---|
2006-07Details for 2006-07 | 7.8% | 1.7% |
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2007-08Details for 2007-08 | 9.0% | 1.3% |
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2008-09Details for 2008-09 | 8.9% | 1.1% |
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2009-10Details for 2009-10 | 7.8% | 1.4% |
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2010-11Details for 2010-11 | 8.1% | 0.8% |
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2011-12Details for 2011-12 | 7.3% | 0.9% |
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2012-13Details for 2012-13 | 5.3% | 0.5% |
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2013-14Details for 2013-14 | 4.7% | 0.7% |
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2014-15Details for 2014-15 | 4.4% | 0.6% |
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2015-16Details for 2015-16 | 4.8% | 0.6% |
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2016-17Details for 2016-17 | 4.7% | 0.7% |
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2017-18Details for 2017-18 | 5.5% | 0.7% |
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2018-19Details for 2018-19 | 4.9% | 0.7% |
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2019-20Details for 2019-20 | 5.3% | 0.9% |
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2020-21Details for 2020-21 | 4.7% | 0.8% |
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2021-22Details for 2021-22 | 4.5% | 0.4% |
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Figure as of 22 June 2023. Source: HM Revenue and Customs.
| Measure | Estimate | Range | Year |
|---|---|---|---|
Child Benefit overpaid through error and fraudDetails for Child Benefit overpaid through error and fraud | 2.0% | 1.5% to 2.5% | 2025-26 |
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Child Benefit overpaid through error and fraudDetails for Child Benefit overpaid through error and fraud | £270m | £200m to £335m | 2025-26 |
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Tax credits overpaid through error and fraud (the last year measured)Details for Tax credits overpaid through error and fraud (the last year measured) | 4.2% | 4.0% to 4.5% | 2024-25 |
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Tax credits underpaid through error (the last year measured)Details for Tax credits underpaid through error (the last year measured) | 0.8% | 0.6% to 0.9% | 2024-25 |
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Prosecutions and penalties: a separate count
The estimates above say how much money went to the wrong place. They are not counts of anyone caught. DWP reports the cases it took action on in its annual report:
| Measure | Number or amount | Year | Note |
|---|---|---|---|
Benefit fraud cases judged suitable for prosecution by the CPS or Procurator FiscalDetails for Benefit fraud cases judged suitable for prosecution by the CPS or Procurator Fiscal | 673 | 2025-26 | Referrals accepted for prosecution, not convictions. From 13,081 claims reviewed by fraud investigators. |
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Administrative penalties (an alternative to prosecution)Details for Administrative penalties (an alternative to prosecution) | 68 | 2025-26 | DWP is also removing and refunding 197 administrative penalties issued in 2023-24 and 2024-25. |
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Civil penalties for failing to report a change or giving incorrect informationDetails for Civil penalties for failing to report a change or giving incorrect information | 10,118 | 2025-26 | |
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Benefit debt recovered, all causesDetails for Benefit debt recovered, all causes | £3.0bn | 2025-26 | 68% through deductions from benefit. Debt owed to DWP was £11.6 billion in March 2026. |
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Underpayments found and repaid
Where DWP has found that it underpaid a group of people over years, it has run exercises to find them and pay arrears. These are counts of money actually repaid, not estimates.
| Exercise | Repaid | Period | Who and how many |
|---|---|---|---|
State Pension underpayments repaid: married women, widows and people over 80 who were paid too littleDetails for State Pension underpayments repaid: married women, widows and people over 80 who were paid too little | £880m | January 2021 to March 2026 | To about 135,000 pensioners. The exercise is closed. DWP's last progress release, to March 2025, counted 130,948 underpayments and £804.7 million. |
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State Pension underpayments from missing Home Responsibilities ProtectionDetails for State Pension underpayments from missing Home Responsibilities Protection | £111m | January 2024 to March 2026 | About £104 million to 12,379 people to March 2025, and about £7 million more in 2025-26. |
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Employment and Support Allowance underpayments after conversion from older benefitsDetails for Employment and Support Allowance underpayments after conversion from older benefits | £613m | Exercise completed June 2021 | 118,000 people qualified for arrears after 600,000 cases were checked. |
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Employment and Support Allowance underpayments of the severe disability premiumDetails for Employment and Support Allowance underpayments of the severe disability premium | £562m | Exercise completed by December 2025 | 44,900 awards. |
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Money left unclaimed
DWP estimates how many people entitled to Pension Credit and pensioners’ Housing Benefit do not claim, and what they miss. Estimates for Universal Credit are due for the first time on 22 October 2026.
| Benefit | People entitled who claim | Entitled but not claiming | Unclaimed a year | Fraud in the same benefit |
|---|---|---|---|---|
Pension Credit, 2023-24Details for Pension Credit, 2023-24 | 62% (59 to 64) | 820,000 | £2.1bn (£1.8bn to £2.5bn) | £210m (2025-26) |
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Housing Benefit (pensioners), 2023-24Details for Housing Benefit (pensioners), 2023-24 | 85% (83 to 88) | 190,000 | £880m (£680m to £1.1bn) | £230m (2025-26) |
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Source: Department for Work and Pensions, Income-related benefits: estimates of take-up, financial year ending 2024, published 30 October 2025.
Decisions changed on reconsideration or appeal
Someone refused a benefit can ask DWP to look again (a mandatory reconsideration) and then appeal to an independent tribunal. The share of decisions changed shows how often the first decision did not stand; it does not by itself show the first decision was wrong, because tribunals often see new evidence.
Ministry of Justice, April to June 2026. Scotland replaced PIP with Adult Disability Payment from 2022, whose appeals are not in these figures. The latest year can be revised.
The numbers behind this chart
| Year | All benefits | Personal Independence Payment | Universal Credit | Employment and Support Allowance |
|---|---|---|---|---|
2013-14Details for 2013-14 | 39.5% | 25.9% | 0.0% | 44.3% |
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2014-15Details for 2014-15 | 46.7% | 50.0% | 22.2% | 54.4% |
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2015-16Details for 2015-16 | 55.1% | 60.8% | 43.6% | 57.9% |
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2016-17Details for 2016-17 | 61.4% | 65.0% | 43.7% | 65.3% |
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2017-18Details for 2017-18 | 64.5% | 67.9% | 48.6% | 68.4% |
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2018-19Details for 2018-19 | 69.1% | 73.2% | 58.0% | 72.9% |
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2019-20Details for 2019-20 | 72.0% | 76.6% | 64.1% | 77.5% |
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2020-21Details for 2020-21 | 70.2% | 75.9% | 61.2% | 75.7% |
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2021-22Details for 2021-22 | 61.3% | 70.1% | 47.6% | 58.6% |
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2022-23Details for 2022-23 | 62.4% | 69.2% | 52.8% | 52.5% |
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2023-24Details for 2023-24 | 63.5% | 70.4% | 53.4% | 48.8% |
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2024-25Details for 2024-25 | 60.9% | 69.1% | 50.3% | 47.8% |
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2025-26Details for 2025-26 | 59.7% | 66.2% | 46.4% | 44.3% |
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Figure as of 10 September 2026. Source: Ministry of Justice.
The numbers behind this chart
| Year | All benefits | Personal Independence Payment | Universal Credit | Employment and Support Allowance |
|---|---|---|---|---|
2013-14Details for 2013-14 | 401,896 | 1,017 | 7 | 232,630 |
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2014-15Details for 2014-15 | 112,082 | 20,899 | 86 | 43,136 |
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2015-16Details for 2015-16 | 157,145 | 61,529 | 719 | 56,110 |
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2016-17Details for 2016-17 | 228,604 | 104,205 | 1,686 | 87,857 |
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2017-18Details for 2017-18 | 238,803 | 112,746 | 6,308 | 87,308 |
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2018-19Details for 2018-19 | 195,506 | 104,652 | 11,696 | 49,813 |
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2019-20Details for 2019-20 | 162,101 | 94,745 | 23,578 | 20,998 |
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2020-21Details for 2020-21 | 93,303 | 64,075 | 11,812 | 2,867 |
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2021-22Details for 2021-22 | 95,058 | 58,333 | 16,473 | 4,696 |
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2022-23Details for 2022-23 | 137,212 | 92,242 | 23,712 | 5,835 |
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2023-24Details for 2023-24 | 136,903 | 89,380 | 25,290 | 6,163 |
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2024-25Details for 2024-25 | 132,965 | 85,070 | 25,280 | 4,716 |
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2025-26Details for 2025-26 | 145,815 | 86,857 | 31,893 | 3,587 |
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Figure as of 10 September 2026. Source: Ministry of Justice.
| Year | Mean wait |
|---|---|
| 2017-18 | 23 weeks |
| 2018-19 | 29 weeks |
| 2019-20 | 31 weeks |
| 2020-21 | 32 weeks |
| 2021-22 | 33 weeks |
| 2022-23 | 27 weeks |
| 2023-24 | 27 weeks |
| 2024-25 | 32 weeks |
| 2025-26 | 35 weeks |
| Year | Reconsiderations | Award changed | Appeals lodged | Overturned at hearing |
|---|---|---|---|---|
2013-14Details for 2013-14 | 7,910 | 24% | 2,170 | 50% |
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2014-15Details for 2014-15 | 80,790 | 20% | 26,630 | 60% |
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2015-16Details for 2015-16 | 117,480 | 14% | 46,060 | 65% |
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2016-17Details for 2016-17 | 173,580 | 15% | 72,510 | 67% |
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2017-18Details for 2017-18 | 152,160 | 14% | 66,570 | 70% |
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2018-19Details for 2018-19 | 140,780 | 18% | 57,750 | 73% |
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2019-20Details for 2019-20 | 139,400 | 29% | 48,520 | 74% |
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2020-21Details for 2020-21 | 109,760 | 38% | 31,190 | 67% |
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2021-22Details for 2021-22 | 132,940 | 26% | 43,730 | 69% |
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2022-23Details for 2022-23 | 153,050 | 12% | 57,940 | 68% |
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2023-24Details for 2023-24 | 144,150 | 12% | 51,560 | 64% |
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2024-25Details for 2024-25 | 146,750 | 11% | 47,620 | 60% |
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2025-26Details for 2025-26 | 144,440 | 15% | 46,060 | 52% |
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Appeal outcomes for the latest year are still coming in: appeals lodged late in the year have not all been heard.
Source: Ministry of Justice, Tribunals statistics quarterly, April to June 2026: Social Security and Child Support tables, published 10 September 2026; Department for Work and Pensions, Personal Independence Payment statistics to July 2026: table 5B(i), published 15 September 2026.
The auditor’s view
This is the 38th consecutive year in which I have qualified my regularity opinion on the Department’s accounts due to material levels of fraud and error in benefit expenditure.
The Comptroller and Auditor General qualified his opinion on DWP’s accounts because of the level of fraud and error. The NAO quotes overpayments of 6.0% of benefit spending excluding the State Pension, a different basis from the 3.2% of all benefit spending in DWP’s statistics.
What each side says
Where should the effort go: stopping fraud, or getting decisions right?
Those who call for tougher action on fraud and overpayments
The powers granted through the Bill will allow us to better identify, prevent and deter fraud and error, and enable the better recovery of debt owed to the taxpayer.
Andrew Western, Minister, Department for Work and Pensions (2 December 2025)Ministers need to prevent overpayments in the first place and get a grip on Britain’s ballooning benefits bill.
John O’Connell, Chief Executive, TaxPayers’ Alliance (2 September 2026) As quoted by GB News.Working people who pay their taxes in full, every time, will rightly ask why their money is disappearing into the hands of people who aren’t entitled to it
Helen Whately, Shadow Work and Pensions Secretary, Conservative Party (2 September 2026) As quoted by GB News.
Those who stress wrongly refused claims and safeguards for claimants
Crucially, too many people are incorrectly rejected and have to fight through an appeals process before receiving the help they need.
Citizens Advice (28 May 2026)We all want genuine fraudsters to face the law, especially the multi-millionaire tax avoiders and Covid scammers.
Silkie Carlo, Director, Big Brother Watch (22 January 2025)
Views are attributed to the people and organisations named, with the date and a link to where they said it. This site takes no side.
What these figures do and don't show
- Fraud and error figures are modelled estimates from a sample of claims reviewed each year, with confidence intervals. They are not counts of prosecutions, convictions or proven cases.
- Some benefits are not reviewed every year; DWP carries forward their last measured rate.
- A decision overturned at tribunal can reflect new evidence or a change in circumstances as well as a wrong first decision.
- Take-up figures are estimates from a household survey and are published as ranges.
- The National Audit Office quotes overpayments excluding the State Pension (6.0% in 2025-26), a different basis from DWP’s rate for all benefits; the two should not be compared directly.
- Figures cover Great Britain. Nothing on this page describes or characterises the people who claim.
Sources for this page
| Source | Publisher | Figures as of | Updated | Licence |
|---|---|---|---|---|
| Fraud and error in the benefit system, FYE 2026 estimates | Department for Work and Pensions | 14 May 2026 | annual | Open Government Licence v3.0 |
| Income-related benefits: estimates of take-up, financial year ending 2024 | Department for Work and Pensions | 30 October 2025 | annual | Open Government Licence v3.0 |
| Tribunals statistics quarterly, April to June 2026: Social Security and Child Support tables | Ministry of Justice | 10 September 2026 | annual | Open Government Licence v3.0 |
| Unfulfilled eligibility in the benefit system, FYE 2026 estimates | Department for Work and Pensions | 14 May 2026 | annual | Open Government Licence v3.0 |
| Child and Working Tax Credits error and fraud statistics 2021 to 2022, Annex B | HM Revenue and Customs | 22 June 2023 | annual | Open Government Licence v3.0 |
Each source's figures are used under the licence shown. Our own words, analysis, charts and derived calculations are ours, under CC BY 4.0.