Back to Care Funding (NI)
For you as a carer

Carer's Credit

Free National Insurance credits that protect your State Pension while you care for someone for 20 or more hours a week. No payment, no means test — but a meaningful add to your future pension if you're too young or earn too much for Carer's Allowance.

Official linksLast verified 27 April 2026

Who it helps

Carers aged 16 to State Pension age who provide care for 20+ hours per week and don't already qualify for Carer's Allowance, Carer Support Payment or pensioner status. Particularly relevant for working carers earning over the CA earnings threshold and family-member carers covering shorter hours.

The full picture

Carer's Credit is a free National Insurance credit awarded to people who care for someone for at least 20 hours a week. It doesn't pay any cash — it fills gaps in your NI record so your future State Pension and other contributory benefits aren't reduced.

Who needs it most: - Carers earning over the £196/week Carer's Allowance threshold (so you can't claim CA) - Carers under State Pension age who already work full-time - Carers who take time out of work but still care for fewer than 35 hours/week (so don't qualify for CA) - Carers caring for someone whose CA-qualifying benefit ends temporarily (e.g. AA paused during a hospital stay)

Eligibility: - You're aged 16 to State Pension age - You care for one or more people for at least 20 hours a week - The person you care for receives a qualifying disability benefit (AA, PIP daily living, DLA middle/highest care, ADP daily living, AFIP, Constant Attendance Allowance) - OR a Care Certificate signed by a healthcare professional confirms care need

If you're already receiving Carer's Allowance you don't need to apply — Carer's Credit is added automatically. The same applies to Income Support paid as a carer.

Applications can be backdated to the previous tax year, so it's worth applying even if you only realised partway through the year.

Worth knowing before you apply

  • No payment — purely an NI credit. The value shows up at State Pension age
  • 20-hour threshold can be split across more than one cared-for person
  • Automatically awarded if you receive Carer's Allowance or Carer Support Payment — don't apply twice
  • Application can be backdated to the start of the previous tax year
  • Care Certificate signed by a healthcare professional substitutes for the qualifying-benefit requirement when needed
  • Doesn't affect any other benefit the person you care for receives
  • A useful safety net for working carers earning over the £196/week Carer's Allowance limit

How to claim

Download form CC1 from gov.uk/carers-credit or call the Carer's Allowance Unit on 0800 731 0297. The form needs basic details about you and the person you care for, plus either evidence of their qualifying benefit or a signed Care Certificate from a doctor / nurse / social worker. Decisions are usually within 4 weeks.

Last verified 27 April 2026
← All Care Funding for NI