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Financing care
Learn about funding options for home care, home adaptations and care homes, together with Attendance Allowance, gifting assets and Power of Attorney.
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Guidance on the practical and emotional aspects at the end of life, from planning end of life care to arranging a funeral and coping with bereavement.

Carer’s Credit

Find out if you could apply for Carer’s Credit, a National Insurance credit that helps with gaps in your record if you can’t work due to being a carer.
2 min read
In this article
What is Carer’s Credit? Who can get Carer’s Credit? What do I need to know about Carer’s Credit? 
How do I claim Carer’s Credit?

What is Carer’s Credit?

If you’re unable to work because of caring responsibilities, and therefore can’t make National Insurance payments, Carer’s Credit helps build your entitlement to the state pension by making sure there are no gaps in your National Insurance record.

Who can get Carer’s Credit?

Carer’s Credit is not means tested, so income and savings are not taken into account. To be eligible for Carer’s Credit you must be:

  • aged 16 or over
  • under state pension age
  • looking after one or more people for at least 20 hours a week.

The person, or people, you’re looking after must get one of the following:

Use our calculator to find out how much you might pay a home care agency in your area and what financial support is available.

What do I need to know about Carer’s Credit? 

You can still get Carer’s Credit if you have breaks from caring (up to 12 weeks in a row); for example, if you take a short holiday or someone you look after goes into hospital.

Research by Royal London in January 2018 showed that many people miss out on Carer’s Credit because they aren’t aware the benefit is available. It estimates that the credits add £237 a year to a carer’s state pension, so it’s definitely worth looking into if you think you might be eligible.

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How do I claim Carer’s Credit?

If you already get Carer’s Allowance, there’s no need to make a separate application for Carer’s Credit – if you’re entitled to credits you should get them automatically. If not, you can apply for Carer’s Credit by phone or online.


Contact the helpline to enquire about Carer's Credit:

0845 608 4321

Mon–Thu, 8.30am–5pm; Fri, 8.30am–4.30pm

Download the form and print a paper copy to post:

Carer's Credit form

Further reading

Carer’s Allowance

If you care for someone for more than 35 hours a week, find out if you could apply for Carer’s Allowance.

Carer’s assessment

If you care for someone, you can arrange a carer’s assessment to find out if you’re eligible for support.

Last updated: 13 Jan 2021