What is Carer's Credit?

Caring for someone with significant needs is an invaluable service, and it's important that carers receive recognition and support for their dedication. One such support mechanism in the UK is Carer's Credit, a type of government benefit that helps carers protect their future entitlement to the State Pension. Understanding what Carer's Credit is, who is eligible, and how it benefits carers can help ensure that those who give so much can secure their own financial future.

Understanding Carer's Credit

Carer's Credit is not a direct financial payment but a National Insurance credit towards your State Pension. It helps fill gaps in your National Insurance record when you're not able to work because you are caring for someone. Many carers may be unable to work in paid employment alongside their caring responsibilities, or to work enough to make the National Insurance contributions needed to qualify for the full State Pension. In order to receive any amount of State Pension you must have made 10 years of National Insurance contributions, or 35 years for the full amount. Each year that you claim Carer’s Credit counts towards these quotas and ensures you can claim a State Pension when you need it.

Who is Eligible?

To be eligible for Carer's Credit, you need to be aged between 16 and the State Pension age (currently 66), and you must care for one or more people for at least 20 hours a week. The person you care for must receive one of the qualifying benefits such as the Disability Living Allowance, Personal Independence Payment, Attendance Allowance, or Constant Attendance Allowance. If the person you are caring for does not receive one of these benefits, you might still be eligible, but you will need to complete a ‘Care Certificate’ as part of the application, which must be signed by a health or social care professional.

Application Process

Applying for Carer's Credit is straightforward. You can download an application form from the gov.uk website or contact the Carer’s Allowance Unit to request a form. Once completed, you will need to return it to the address provided on the form. It's advisable to provide as much information as possible to support your application and ensure it is processed smoothly.

How much is Carer’s Credit a week?

While Carer's Credit itself does not provide a weekly cash payment the way other government benefits do, it is instrumental in safeguarding your future pension rights. For those interested in direct financial support, and who spend at least 35 hours a week caring for someone, Carer's Allowance amounting to £81.90 per week may be available.