What Benefits Can You Claim If You Are a Carer?

Caring for a loved one is a demanding and often underappreciated role. In recognition of the crucial support carers provide, the UK government offers several benefits to help alleviate some of the financial pressures. Here, we explore the key benefits available to carers and how you can access them.

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Carer's Allowance

Carer's Allowance is the main benefit available to carers. It provides financial support if you spend at least 35 hours a week caring for someone who receives a qualifying disability benefit, such as the Disability Living Allowance (DLA), Personal Independence Payment (PIP), or Attendance Allowance. As of 2024, the weekly rate for Carer's Allowance is £76.75.

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Eligibility Criteria

• Caring for at least 35 hours a week: You must be providing substantial care.
• The person you care for receives a qualifying benefit: Ensure the person you care for meets this requirement.
• Income Limit: You can earn up to £139 per week after deductions (tax, National Insurance, and allowable expenses).

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Carer's Credit

Carer's Credit is a National Insurance credit that helps fill gaps in your National Insurance record. This is crucial for your State Pension eligibility. You may qualify for Carer's Credit if you care for someone for at least 20 hours a week and they receive the appropriate disability benefit, or if you have a certificate from a health or social care professional.

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Universal Credit

If you are on a low income, you might be eligible for Universal Credit, which can include extra amounts for carers. Universal Credit is a means-tested benefit, so your income and savings will affect the amount you receive. If you're eligible for Carer's Allowance, you can also get the carer element of Universal Credit, worth £185.86 a month as of 2024.

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Attendance Allowance

Attendance Allowance is a benefit for people over State Pension age who need help with personal care due to a physical or mental disability. It is not means-tested, so your income and savings do not affect eligibility. Attendance Allowance can help the person you care for manage the additional costs of their disability, indirectly easing your financial burden as their carer.

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Eligibility Criteria

• State Pension Age: The person must be of State Pension age or older.
• Need for Help: They must require help with personal care or supervision due to a disability.
• Qualifying Period: They must have needed help for at least six months (except if terminally ill).

Attendance Allowance is paid at two rates, depending on the level of care required: the lower rate is £68.10 per week, and the higher rate is £101.75 per week as of 2024.

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Council Tax Reduction

Many carers are entitled to a reduction in their Council Tax bill. The reduction can be significant, depending on your local authority’s policies. To apply, you will need to contact your local council and provide evidence of your caring responsibilities and the benefits you or the person you care for receive.

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If you care for a disabled individual, either professionally or unpaid, you are eligible for the National Carers Card. Get the help and understanding you need from others while out and about, and demonstrate eligibility for carer discounts and concessions.