What Benefits Can You Claim If You Are a Carer?
Explore Carer's Allowance, Carer's Credit, Attendance Allowance and more in this article about UK government benefits for carers.
Caring for a loved one is a demanding and often underappreciated role. In recognition of the crucial support carers provide, the UK government offers several benefits to help alleviate some of the financial pressures. Here, we explore the key benefits available to carers and how you can access them.
Carer's Allowance is the main benefit available to carers. It provides financial support if you spend at least 35 hours a week caring for someone who receives a qualifying disability benefit, such as the Disability Living Allowance (DLA), Personal Independence Payment (PIP), or Attendance Allowance. As of 2024, the weekly rate for Carer's Allowance is £76.75.
Carer's Credit is a National Insurance credit that helps fill gaps in your National Insurance record. This is crucial for your State Pension eligibility. You may qualify for Carer's Credit if you care for someone for at least 20 hours a week and they receive the appropriate disability benefit, or if you have a certificate from a health or social care professional.
If you are on a low income, you might be eligible for Universal Credit, which can include extra amounts for carers. Universal Credit is a means-tested benefit, so your income and savings will affect the amount you receive. If you're eligible for Carer's Allowance, you can also get the carer element of Universal Credit, worth £185.86 a month as of 2024.
Attendance Allowance is a benefit for people over State Pension age who need help with personal care due to a physical or mental disability. It is not means-tested, so your income and savings do not affect eligibility. Attendance Allowance can help the person you care for manage the additional costs of their disability, indirectly easing your financial burden as their carer.
Attendance Allowance is paid at two rates, depending on the level of care required: the lower rate is £68.10 per week, and the higher rate is £101.75 per week as of 2024.
Many carers are entitled to a reduction in their Council Tax bill. The reduction can be significant, depending on your local authority’s policies. To apply, you will need to contact your local council and provide evidence of your caring responsibilities and the benefits you or the person you care for receive.
If you care for a disabled individual, either professionally or unpaid, you are eligible for the National Carers Card. Get the help and understanding you need from others while out and about, and demonstrate eligibility for carer discounts and concessions.
Navigating the benefits system can be daunting, but understanding what you're entitled to can significantly ease the financial strain of caring. Carer's Allowance, Carer's Credit, Universal Credit, and Attendance Allowance are designed to recognise and alleviate the financial burden that carers often face.For detailed guidance and to apply for these benefits, visit the official UK government website. By exploring these options, you can better support yourself and continue providing the essential care your loved ones need.
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