{"id":2520,"date":"2022-03-23T09:00:00","date_gmt":"2022-03-23T09:00:00","guid":{"rendered":"https:\/\/www.warmwales.org.uk\/rhestr-wirio-ynni-pensiynwr\/"},"modified":"2022-07-12T12:01:59","modified_gmt":"2022-07-12T12:01:59","slug":"rhestr-wirio-ynni-pensiynwr","status":"publish","type":"post","link":"https:\/\/www.warmwales.org.uk\/cy\/rhestr-wirio-ynni-pensiynwr\/","title":{"rendered":"Rhestr wirio ynni pensiynwr"},"content":{"rendered":"\n<p class=\"has-large-font-size wp-block-paragraph\" id=\"tw-target-text\">Os \u2018rydych dros 50 oed, neu\u2019n agos\u00e1u at fod, efallai bod eich sefyllfa ariannol yn newid wrth i chi ystyried ymddeol. \u2018Rydym wedi llunio canllaw i\u2019ch helpu chi rheoli\u2019ch sefyllfa ariannol newydd, a gwneud y gorau o\u2019ch pensiwn.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"tw-target-text\">Derbyn yr incwm uchaf posibl<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Y cwestiwn pwysicaf pan fyddwch yn ymddeol yw \u2018o ble fydd yr arian yn dod?\u2019. Mae\u2019r oedran ymddeol swyddogol yn cynyddu\u2019n raddol dros y blynyddoedd ac, ar hyn o bryd yn 2020, 66 yw\u2019r oedran ymddeol swyddogol i Ddynion a Merched.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pensiwn y Wladwriaeth<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mae maint pensiwn y wladwriaeth yn ddibynnol ar faint o flynyddoedd llawn o gyfraniadau Yswiriant Gwladol sydd gennych. Mae system pensiwn y wladwriaeth yn gymhleth, felly i\u2019ch helpu chi ddeall pa bensiwn y \u2018dylech\u2019 fod yn derbyn, gweler isod:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>os oeddech wedi cyrraedd oedran derbyn pensiwn ar, neu ar \u020fl, Ebrill 2016, byddwch yn derbyn y&nbsp;pensiwn y wladwriaeth newydd, sef \u2018cyfradd unffurf\u2019 gwerth \u00a3179.60 yr wythnos ynghyd ag unrhyw \u2018daliadau gwarchodedig\u2019.&nbsp;<\/li><li>Os \u2018roeddech wedi cyrraedd oedran derbyn pensiwn cyn Ebrill 6 2016, byddwch yn aros ar yr&nbsp;hen gynllun&nbsp;sydd, ar hyn o bryd, yn talu uchafswm sylfaenol o \u00a3137.60 yr wythnos (a mwy os \u2018roeddech wedi ennill Ail Bensiwn y Wladwriaeth hefyd).&nbsp;<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Credyd Pensiwn<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Yn cael ei dalu ar ben&nbsp;pensiwn y wladwriaeth, mae credyd pensiwn yn daliad ychwanegol i\u2019r rhai sy\u2019n gymwys,&nbsp;&nbsp;sy\u2019n helpu chi ychwanegu at eich incwm.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I hawlio credyd pensiwn rhaid eich bod yn 66 oed (dynion a merched) a bod incwm oedolyn o dan \u00a3177.10 yr wythnos, neu \u00a3270 i b\u00e2r.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mae credyd pensiwn wedi\u2019i anelu at bobl sydd ar incwm isel, ond mae\u2019n wastad werth gofyn os \u2018rydych yn gymwys \u2013 rhowch alwad.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I ddarganfod os oes gennych hawl i dderbyn credyd pensiwn, ffoniwch y rhif ff\u020fn di-d\u00e2l isod : 0800 99 1234<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Neu os hoffech dderbyn cymorth i wneud cais, cysylltwch ag un o\u2019n gweithwyr cymunedol cyfeillgar a fydd y falch i\u2019ch helpu chi gyda\u2019ch cais.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Lwfans Gweini<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mae lwfans gweini yn helpu gyda\u2019r costau ychwanegol os oes gennych anabledd difrifol, sy\u2019n golygu bod angen rhywun i edrych ar eich&nbsp;\u020fl. Mae dwy gyfradd t\u00e2l, yn ddibynnol ar faint o ofal sydd ei angen arnoch:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gallech chi gael \u00a360 neu \u00a389.60 yr wythnos i dalu am gymorth gyda materion personol os \u2018rydych yn:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>anabl, yn gorfforol neu\u2019n feddyliol<\/li><li>O<a href=\"https:\/\/www.gov.uk\/state-pension-age\">edran Pensiwn y Wladwriaeth<\/a>&nbsp;neu h\u0177n<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">I wneud cais, gallwch ddefnyddio\u2019r ffurflen hawlio lwfans gweini, a gwneud cais drwy\u2019r post&nbsp;<a href=\"https:\/\/www.gov.uk\/government\/publications\/attendance-allowance-claim-form\">https:\/\/www.gov.uk\/government\/publications\/attendance-allowance-claim-form<\/a>, neu, os hoffech dderbyn cymorth ychwanegol i wneud cais, cysylltwch ag un o\u2019n gweithwyr cymunedol a fydd yn falch ich helpu chi lenwi\u2019r ffurflen gais.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Gwirio budd-daliadau<\/h3>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\"><p> Yn flynyddol mae tua \u00a33.5 biliwn o fudd-daliadau ddim yn cael eu hawlio gan bensiynwyr<\/p><cite>Yn&nbsp;\u020fl elusen Age UK,&nbsp;<\/cite><\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Yn ychwanegol at gredyd pensiwn a lwfans gweini efallai eich bod yn gallu hawlio&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">budd-daliadau ychwanegol. Defnyddiwch y gwiriad budd-daliadau cyflym isod i weld os \u2018rydych yn gymwys i dderbyn cymorth ychwanegol;&nbsp;<a href=\"https:\/\/www.moneysavingexpert.com\/family\/benefits-check\/\">https:\/\/www.moneysavingexpert.com\/family\/benefits-check\/<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Os hoffech rhagor o wybodaeth a chyngor ynghylch yr hyn y gallwch ei hawlio, ffoniwch Llinell Gymorth Age UK, 0800 678 1174.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mae hefyd yn werth chweil gwirio&nbsp;<a href=\"https:\/\/www.moneysavingexpert.com\/reclaim\/council-tax-bands-change\/\">Council Tax Rebanding<\/a>&nbsp;i sicrhau nad ydych yn talu gormod o Dreth y Cyngor.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Arbed Ynni \/ Grantiau<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Gan fod cost biliau ynni yn codi ym mis Ebrill 2022, nawr yw\u2019r amser i ystyried arbed arian ar eich biliau ynni drwy weld pa grantiau ac arbedion ynni sydd ar gael i chi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mae llywodraeth y DU yn cynnig ystod o grantiau a gostyngiadau i bensiynwyr, gan gynnwys:&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Disgownt Cartrefi Cynnes<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bydd ceisiadau am y gostyngiad hwn yn agor ym mis Medi. Mae\u2019n bosibl y bydd y Disgownt Cartrefi Cynnes yn golygu eich bod yn derbyn \u00a3140 tuag at eich bil trydan ar ffurf taleb gwerth \u00a3140 i\u2019ch mesurydd rhagdalu.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u2018Rydych yn gymwys i dderbyn y disgownt cartrefi cynnes os \u2018rydych naill ai\u2019n&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Derbyn y rhan gwarant credyd pensiwn o\u2019r credyd pensiwn<\/li><li>Yn derbyn incwm isel<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">I wirio os \u2018rydych yn gymwys gallwch fynd i wefan llywodraeth y DU neu mae croeso ichi ffonio un o\u2019n gweithwyr cymunedol ar&nbsp;<a href=\"tel:00441656747622\">01656 747 622<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Taliadau Tanwydd Gaeaf<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mae\u2019r taliad tanwydd gaeaf yn daliad unwaith y flwyddyn i\u2019ch helpu chi wresogi\u2019ch cartref yn ystod y gaeaf. Byddwch fel arfer yn gymwys i dderbyn y taliad tanwydd gaeaf os cawsoch eich geni ar, neu cyn, Medi 26 1955.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gallwch wirio sut mae gwneud cais am daliadau tanwydd gaeaf yma:&nbsp;<a href=\"https:\/\/www.gov.uk\/winter-fuel-payment\">https:\/\/www.gov.uk\/winter-fuel-payment<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Grantiau gwella\u2019r cartref i\u2019w gwneud yn ynni effeithlon:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mae miliynau o bunnoedd o arian grant ar gael i wella cartrefi ond, yn anffodus, mae llawer o grantiau llywodraeth y DU ddim yn cael eu hawlio. Gall y grantiau canlynol helpu gwella effeithlonrwydd ynni y eich cartref tra\u2019n arbed arian ar eich biliau ynni:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Mae Nest yn gynllun gan lywodraeth y DU sy\u2019n cynnig ystod o gyngor di-duedd, am ddim, a gwelliannau effeithlonrwydd ynni megis amnewid y boeler a gosod gwres canolog neu insiwleiddio. Ewch i\u2019r dudalen HHHP i ddysgu sut y gall ein gweithwyr cymunedol eich helpu chi gael mynediad at NEST.&nbsp;<\/li><li>ECO-gyllido yw cynllun effeithlonrwydd ynni llywodraeth y DU, i helpu lleihau allyriadau carbon a thaclo tlodi tanwydd. Cynigir ystod o welliannau effeithlonrwydd ynni megis insiwleiddio\u2019r atig, insiwleiddio\u2019r ceudod a gosod gwres canolog. Gallwch ddarganfod os ydych yn gymwys yma: https:\/\/www.warmwales.org.uk\/contact\/<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Mesurydd D\u0175r<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Os \u2018rydych yn byw ar eich pen eich hun, neu os taw dim ond dau berson sy\u2019n byw yn eich cartref, efallai y byddwch yn gallu arbed arian drwy osod mesurydd d\u0175r. Mae defnyddio mesurydd d\u0175r yn golygu eich bod ond yn talu am y d\u0175r a ddefnyddir, a gallai hyn olygu arbedion mawr i\u2019ch cartref. Os \u2018rydych yn ystyried newid i fesurydd d\u0175r dylech gysylltu&nbsp;\u00e2\u2019ch cyflenwr d\u0175r. Gallwch wneud cais ar y ff\u020fn neu efallai y gallwch wneud cais drwy ddefnyddio\u2019u gwefan. Yn ychwanegol, os hoffech derbyn cymorth i wneud cais am fesurydd d\u0175r, ffoniwch un o\u2019n Gweithwyr Cymunedol.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Beth i\u2019w wneud os \u2018rydych yn poeni ynghylch talu\u2019ch biliau ynni:<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Bydd y cynnydd yn y cap ar filiau ynni yn effeithio ar bawb, a bydd llawr o bobl yn wynebu straen wrth geisio talu eu biliau ynni. Gal eich cyflenwr ynni eich helpu os \u2018rydych yn cael trafferth talu eich biliau nwy a thrydan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Cysylltwch&nbsp;\u00e2\u2019ch cyflenwr cyn gynted ag y byddwch yn pryderi ynghylch talu\u2019ch biliau ynni ac,&nbsp;&nbsp;i gydymffurfio&nbsp;\u00e2rheolau Ofgem, mae\u2019n rhaid i gyflenwyr gydweithio gyda chi a chytuno ar gynllun talu y gallwch fforddio ei dalu. Ewch i wefan Ofgem am ragor o wybodaeth ynghylch yr hyn sydd angen ei wneud:&nbsp;<a href=\"https:\/\/www.ofgem.gov.uk\/getting-help-if-you-cant-afford-your-energy-bills#:~:text=Contact%20your%20supplier%20as%20soon,plan%20you%20have%20agreed%20before\">https:\/\/www.ofgem.gov.uk\/getting-help-if-you-cant-afford-your-energy-bills#:~:text=Contact%20your%20supplier%20as%20soon,plan%20you%20have%20agreed%20before<\/a>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Cymorth ychwanegol&nbsp;<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Mae cymorth ychwanegol, a allai fod o fudd i chi, ar gael i bensiynwyr. Mae ein gweithwyr cymunedol Cartrefi Iachus, Pobl Iachus ar gael 5 diwrnod yr wythnos rhwng 9yb a 5yh i\u2019ch helpu chi gydag unrhyw anghenion ychwanegol sydd gennych.&nbsp;&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cofrestr Gwasanaeth Blaenoriaeth<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mae\u2019r cynllun hwn yn gynllun gwirfoddol, am ddim, y mae eich cyflenwr yn ei ddefnyddio i sicrhau bod y cwsmeriaid sydd fwyaf agored i niwed yn derbyn y cymorth cywir.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dyluniwyd y system gan Ofgem i sicrhau bod gan unigolion sydd ag anghenion arbennig fynediad at gymorth ychwanegol oddiwrth eu cyflenwr ynni. Gall y cymorth a gynigir amrywio o un cyflenwr i\u2019r llall, ac mae\u2019n ddibynnol ar amgylchiadau, ond gall gynnwys:&nbsp;Gwybodaeth ymlaen llaw pan fydd toriad mewn gwasanaeth, cael blaenoriaeth adeg torri\u2019r cyflenwad trydan, a darllen y mesurydd ynni yn chwarterol.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mae bod yn gymwys i fod ar y Gofrestr Gwasanaeth Blaenoriaeth yn cynnwys:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Bod angen cymorth arbennig arnoch<\/li><li>Y byddech yn cael anhawster cynnal eich llesiant pe byddech yn colli\u2019ch cyflenwad ynni am unrhyw gyfnod o amser<\/li><li>Eich bod o oedran pensiwn<\/li><li>Eich bod yn anabl<\/li><li>Bod gennych nam ar eich clyw neu golwg, neu anghenion cyfathrebu eraill.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Addasiadau diogelwch yn y cartref&nbsp;<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Mae tua 1 o bob 3 oedolyn dros 65 oed, a dros hanner o\u2019r bobl dros eu 80, yn syrthio o leiaf unwaith y flwyddyn; gall ein Gweithwyr Cymunedol helpu gyda\u2019r broses o osod addasiadau diogelwch megis canllawiau cydio a lifft grisiau, a hynny am ddim, i helpu osgoi\u2019r fath broblem.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gall Cymru Gynnes helpu chi gael mynediad at fesurau diogelwch ychwanegol megis synhwyryddion carbon monocsid, larymau mwg a falfiau popty sy\u2019n cloi, er mwyn osgoi risgiau iechyd y gellir eu hosgoi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mae falf popty sy\u2019n cloi yn declyn diogelwch syml sy\u2019n sicrhau nad oes modd troi\u2019r popty ymlaen yn anfwriadol; mae\u2019n galluogi preswylwyr sy\u2019n agored i niwed gadw eu hannibyniaeth, ac yn tawelu meddyliau\u2019r teulu, ffrindiau a gofalwyr.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Os \u2018rydych dros 50 oed, neu\u2019n agos\u00e1u at fod, efallai bod eich sefyllfa ariannol yn newid wrth i chi ystyried ymddeol. \u2018Rydym wedi llunio canllaw i\u2019ch helpu chi rheoli\u2019ch sefyllfa &hellip; <a href=\"https:\/\/www.warmwales.org.uk\/cy\/rhestr-wirio-ynni-pensiynwr\/\">Continued<\/a><\/p>\n","protected":false},"author":2,"featured_media":2343,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[40,41],"tags":[],"class_list":["post-2520","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cymraeg","category-cyngor"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - 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