Have you checked to see if you can get Pension Guarantee credit ? It adds quite a bit to basic state pension even with some private pension added. They have a helpline who are very good and helpful. The worst that can happen is they say you are not entitled to anything. It costs nothing to find out.If you are entitled to even £1 a week pension guarantee credit , you also automatically get 100% housing and council tax benefit , free travel to all doctors or hospital appointments and 100% free NHS dental treatment. It is the most underclaimed of all benefits, over 33% of those who are entitled to it do not claim. They will NOT just give you it, you have to actually make a claim