Carer's Credits mean carers can be ‘credited’ with
national insurance contributions to
qualify for other benefits, such as State
Applies to: England, Wales, Scotland and
Age rules: There are no age
Administered by: HM Revenue and Customs
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Who does it help?
Since 6 April 2010, certain carers can be ‘credited’ with
national insurance contributions.
This can help them to qualify for:
which they may not otherwise have been eligible for if their
caring responsibilities prevented them from being able to work and
pay national insurance contributions in the normal way.
This system of ‘credits’ replaces the former system of Home
Responsibilities Protection, which was in force prior to 6 April
2010. However, some years of Home Responsibilities Protection
accrued prior to 6 April 2010 can be converted into credited
contributions for those years.
Carers who receive Carer’s
Allowance will already be credited with national insurance
contributions by virtue of receiving that benefit, so would not
need to rely on the following rules.
You will be credited with a Class 3 national insurance credit
for any week in which:
- you spend at least 20 hours a week caring for someone who
either receives a ‘qualifying benefit’ or for whom the Department
for Work and Pensions (DWP) consider that the level of care you
provide is appropriate. A ‘qualifying benefit’ is Attendance Allowance, Constant Attendance
Allowance, Disability Living Allowance
(the middle or highest rates of the care component).
- The DWP will consider the level of care as appropriate if there
is a signed certificate confirming that from a health or social
care professional. You continue to receive the Credit for 12 weeks
after caring ends or for breaks in caring of up to 12 weeks
- you are entitled to Income Support as a carer (which does not
always require you to receive Carer’s Allowance)
- you are within the 12 weeks before you become entitled to
Carer’s Allowance or the 12 weeks after Carer’s Allowance
How do I make a claim?
Normally you do not need to claim Carer's Credits – they will be
awarded to you automatically by virtue of your other benefit
claims, e.g. Income Support or Carer’s Allowance.
However, if you are claiming because you are caring for a
disabled person and you don't receive credits by virtue
of another benefit, you need to apply to the DWP (link opens in
a new window).
Your application must be received before the end of the tax year
following the tax year to which the credits relate.
This information has been produced by Citizens
Last updated: 19 October 2012