Carer’s credit

Carer’s Credit provides national insurance credits towards the State Pension for people of working age. It means there won’t be a gap in your national insurance record if you need to take time away from work to care for someone. You won’t receive any money with Carer’s Credit.

To get Carer’s Credit, the person you look after must receive a qualifying benefit, such as Personal Independence Payment, Disability Living Allowance or Attendance Allowance.

If the person you are caring for is not receiving a qualifying benefit, you may still be eligible for Carer’s Credit if you can provide a care certificate.

You may benefit from Carer’s Credit if you look after someone for between 20–35 hours a week, care for more than one person for less than 35 hours a week, work part-time, study or are self-employed.

If you want to combine caring for someone with part-time work, your local Jobcentre Plus may be able to help you find work in England, Scotland and Wales. If you live in Northern Ireland, you can get help from your local Social Security or Jobs and Benefits Office.

Carer's Credit

Carer’s Credit is a national insurance credit for carers of working age. It helps you build up qualifying years for the State Pension while you are not working.

If you get Carer’s Credit, you do not receive any actual money, but it protects your entitlement to State Pension later in life.


Who can claim Carer’s Credit

To qualify for Carer’s Credit, you must care for one or more disabled people for 20 hours or more a week.

Normally, each person you care for must be getting one of these disability benefits:

  • the daily living component of Personal Independence Payment at either rate
  • the care component of Disability Living Allowance at the middle or higher rate
  • Attendance Allowance.

If the person you’re caring for doesn’t receive a qualifying benefit, Carer’s Credit may still be awarded if you fill in the ‘care certificate’ part of the application form. This will need to be signed by a health or social care professional.


Is Carer’s Credit right for you?

You don’t need to apply for Carer’s Credit if you’re already receiving benefits such as:

  • Carer’s Allowance
  • Income Support as a carer (or on the basis of incapacity)
  • Child Benefit for a child under 12.
  • These benefits will automatically protect your entitlement to State Pension.

You may benefit from claiming Carer’s Credit if you:

  • care for someone for 20–35 hours a week
  • help care for an ill or disabled person, but someone else is claiming Carer’s Allowance for looking after them
  • look after several people but don’t care for any one person for 35 hours or more a week
  • combine caring responsibilities with paid work and don’t earn enough to pay national insurance contributions for the whole year
  • care for someone and are self-employed
  • care for someone and are a full-time student.

Carers claiming Jobseeker’s Allowance or Employment and Support Allowance may benefit from extra national insurance contributions for their State Pension if they apply for Carer’s Credit.


How to claim Carer’s Credit

Call the Carer’s Allowance Unit on 0345 608 4321, textphone 0345 604 5312 or visit gov.uk/carers-credit.


Help with finding paid work

If you want to combine caring with paid work or would like help finding work when you stop being a carer, your local Jobcentre Plus can help. You may be able to get help with care costs if you’re attending interviews or training. Contact Jobcentre Plus to learn more.


Northern Ireland

Contact the Disability and Carers Service or call the Northern Ireland Benefit Enquiry Line on 0800 220 674. You can also download a claim form at nidirect.gov.uk

You may be entitled to other financial help, such as Income Support, Pension Credit, disability benefits or help with health costs.

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