Pension Credit: Guy Opperman discusses ongoing scheme
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Carer’s Allowance is a state benefit which is designed to offer help to those who care for someone else. But the payment, which is worth up to £67.60 per week, alongside helping with care could also assist those of state pension age. When a person decides to claim Carer’s Allowance, they should be aware of potential changes which could occur.
The Government explained a claim for this payment could mean other benefits a person receives may change.
However, there is no need to panic, as the total benefit payment someone receives will usually either go up or stay the same.
And Carer’s Allowance does not count towards the benefit cap, meaning people can claim without worry of their income being limited.
But for those of state pension age, or who are approaching eligibility, paying attention is key.
For those who are in receipt of Pension Credit, a claim for Carer’s Allowance could significantly help them.
This is because payments of Pension Credit increase for a Carer’s Allowance claim.
The organisation Carers UK has offered further insight into the matter to help those who could be impacted.
It has said certain “additional amounts” can be added to a person’s minimum guarantee if they are receiving the Guarantee Credit part of Pension Credit.
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What is known as the Carer Addition is worth £37.70 per week and can be included if someone is receiving Carer’s Allowance.
Individuals may also receive further Pension Credit if they are responsible for any children or young people who normally live with them.
People who are of state pension age may also be able to benefit in certain circumstances from Carer’s Allowance.
The Government website states: “If you delay claiming your state pension, this could increase the state pension payments you get when you decide to claim it.”
But it is worth noting a person cannot build up extra state pension during any period they get Carer’s Allowance.
To be eligible for Carer’s Allowance a person, and the individual they care for, must meet certain criteria.
When it comes to the person being cared for, they must be in receipt of certain benefits.
These include PIP, Attendance Allowance, Disability Allowance, and others.
The person making the claim for Carer’s Allowance must spend at least 35 hours per week caring for someone.
This could include household tasks, helping someone to get out and about, and assistance with washing and cooking.
They must be 16 or over, and have been in England, Scotland or Wales for at least two of the last three years.
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They should not be in full-time education, nor should they be studying for 21 hours a week or more.
Finally, their earnings must be £128 or less a week after tax, National Insurance and expenses.
To make a claim for Carer’s Allowance, Britons will need to provide a wide range of important information to support their application.
- National Insurance number (if you have a partner you’ll need theirs too)
- bank or building society details (unless you get your State Pension)
- employment details and latest payslip if you’re working
- P45 if you’ve recently finished work
- course details if you’re studying
- details of any expenses, for example pension contributions or the cost of caring for your children or the disabled person while you’re at work
Individuals will also need certain information about the individual they care for.
This will include date of birth, address, National Insurance number if the person is 16 or over, and Disability Living Allowance reference if the individual is under the age of 16.
A claim for Carer’s Allowance can be backdated by a total of three months to provide individuals with as much support as possible.
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