In England, everyone aged over 60 gets free prescriptions and eye tests. You might also qualify for help towards: dental treatment. travel costs to hospital.
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There isn't a savings limit for Pension Credit. However, if you have over £10,000 in savings, this will affect how much you receive.
The FSCS protects 100% of the first £85,000 you have saved, per UK-regulated financial institution (not per account). So in simple terms, if your bank were to fail, the FSCS aims to get any savings up to this amount back to you within seven working days.
As long as that bank is FDIC-insured and your deposit doesn't exceed $250,000, you should be safe to do so. It might be worth it to maintain an account at a separate bank, however, just in case a bank error or accidental account freeze results in a loss of access to your money for a time.