Millions of people in the UK might be missing out on an extra £221 per week from their State Pension provided by the Department for Work and Pensions (DWP). This extra money can be claimed through Carer’s Credit, which helps protect your National Insurance record and ultimately boosts your State Pension. It is especially useful for those who are not eligible for Carer’s Allowance, are not earning any income, or are taking a break from caregiving.
While claiming Carer’s Credit does not result in receiving any extra cash payments, it does play a crucial role in safeguarding your pension rights. This benefit is particularly beneficial for individuals who are caring for others but are not making National Insurance contributions through paid work or are unable to claim Carer’s Allowance.
If you are already receiving Carer’s Allowance, you do not need to apply for Carer’s Credit as your pension is already being protected. Each week that you receive Carer’s Allowance, you automatically receive a Class 1 National Insurance credit, which helps in building up your pension over time.
To be eligible for Carer’s Credit, you need to be providing care for 20 hours or more per week. There are specific circumstances where you can claim Carer’s Credit even if you do not meet the usual criteria for Carer’s Allowance. For example, if you are caring for someone who is not eligible for certain disability benefits, or if the person you are caring for is in hospital or residential care and their disability benefits have stopped.
The individual you are caring for must typically be receiving one of the following benefits: the middle or higher rate of the care component of Disability Living Allowance (DLA), the daily living component of Personal Independence Payment (PIP), Attendance Allowance, Constant Attendance Allowance, or Armed Forces Independence Payment (AFIP). If the person you are caring for does not receive any of these benefits, you may still be able to claim Carer’s Credit.
When applying for Carer’s Credit, make sure to complete the Care Certificate section of the application form and have it signed by a health or social care professional. It is important to note that you must be providing care for a minimum of 20 hours per week to qualify for Carer’s Credit.
Overall, claiming Carer’s Credit can significantly benefit your State Pension in the long run, especially if you are providing care to someone who is not eligible for certain benefits or if you are unable to work and make National Insurance contributions. Take advantage of this opportunity to maximize your pension income and secure your financial future.
