Dear Ms Vasavada
Thanks for your reply. I fully understand --- apart from the fact that my income has been minimal since 2008. In fact, I operate as a limited company which has made a loss for seven consecutive years.
Therefore my only income has been Pension Credit since I was made redundant in 2008, and, since 2011, my State Pension. My Pension Credit has, obviously, been greatly reduced since I reached 65 but I have recently been awarded Attendance Allowance for health reasons. Because I took a lump sum when my private pension started, it does not increase. So I also miss out on the percentage increase I would have got if I only had the state pension. I wonder if any of this makes any difference....?