Unpaid carers could boost amount of state pension they get in retirement – how to apply

This is a credit which counts towards people’s National Insurance.

It can be used to fill in gaps where someone hasn’t been able to work due to caring responsibilities so they don’t miss out on their state pension.

People can apply for Carer’s Credit regardless of their income, savings or investments.

They don’t need to apply for this credit if they already receive Carer’s Allowance, which automatically gives people the dame credits.

Furthermore, if someone already receives Child Benefit they will automatically receive the credits too.

There are only a few requirements to qualify for Carer’s Credit. These are:
– Being aged 16 or over
– Being aged under the state pension age (currently 66)
– Looking after one or more people for at least 20 hours a week.


But there are also some requirements that the person or people being cared for must meet for people to be eligible.

They must receive one of the following:
– Disability Living Allowance care component at the middle or highest level
– Attendance Allowance
– Constant Attendance Allowance
– Personal Independence Payment at the standard or enhanced rate
– Armed Forces Independence Payment

How does taking a break from caring affect Carer’s Credit?

People can still get Carer’s Credit if they take a break from caring for up to 12 consecutive weeks.

This means people who receive the credit can take a holiday or go into hospital without worrying about being eligible.

It also means that the person being cared for can be hospitalised and the carer won’t be affected from the perspective of the credit.

If someone takes a break from caring for more than 12 weeks, they should update the Carer’s Allowance Unit.


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