Carer’s Credit

Carer’s Credit is a National Insurance credit for carers of working age. It means you are treated as though you paid National Insurance during the time you were caring. To get Carer’s Credit, you must care for someone for more than 20 hours a week. 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.

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 in total, are self-employed or work part-time or study while caring you may benefit from Carer’s Credit.

To claim if you live in England, Scotland or Wales, call the Carer’s Allowance Unit on 0345 608 4321, use textphone 0345 604 5312 or visit gov.uk

If you live in Northern Ireland, call the Disability and Carers Service on 0300 123 3356, use textphone 028 9031 1092 or visit nidirect.gov.uk You can also ask your local Social Security or Jobs and Benefits office for a form.

What is 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.

You need to pay National Insurance to qualify for a State Pension. But you may not be working if you are a carer, which means that you might not be paying National Insurance. Carer’s Credit means you are treated as though you paid National Insurance during the time you were caring.

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


Who can claim

To get Carer’s Credit, you must look after at least one person for 20 hours or more a week.

Normally, each person you look after 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 look after does not get one of these benefits, you may still get Carer’s Credit 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 it right for you?

You do not need to apply for Carer’s Credit if you are already getting benefits such as:

  • Carer’s Allowance
  • Income Support as a carer (or based on incapacity)
  • Child Benefit for a child under the age of 12.

These benefits will automatically protect your right to State Pension.

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

  • look after for someone for 20 to 35 hours a week
  • help look after an ill or disabled person, but someone else claims Carer’s Allowance for looking after them
  • look after several people, but do not care for any one person for 35 hours or more a week
  • look after someone as well as doing paid work, but do not earn enough to pay National Insurance for the whole year
  • look after someone and are self-employed
  • look after someone and are a full-time student.


How to claim

  • If you live in England, Scotland, or Wales, call the Carer’s Allowance Unit on 0345 608 4321, use textphone 0345 604 5312 or visit gov.uk
  • If you live in Northern Ireland, call the Disability and Carers Service on 0300 123 3356, use textphone 028 9031 1092 or visit nidirect.gov.uk You can also ask your local Social Security or Jobs and Benefits office for a form.

Back to Looking after someone with cancer

Financial help when caring

There are ways to help cope with financial difficulties and decisions when you are caring for someone with cancer.

Carer’s Allowance

If you are caring for someone with cancer, you may be able to get financial help.

Bereavement benefits

Bereavement benefits can be paid to someone whose husband, wife or civil partner has died.