Around 400,000 UK carers who qualify for Carer's Allowance don't claim it. It's worth £86.45 a week (£4,495 a year), gives you National Insurance credits that protect your State Pension, and unlocks the Carer's Premium on Universal Credit. But there is one critical trap with the person you care for — always check first.
All five of these must be true:
This catches a lot of families. If the person you care for receives Severe Disability Premium (SDP) as part of their Pension Credit, Income Support, JSA, ESA or Housing Benefit, they will LOSE SDP if you start claiming Carer's Allowance for them.
SDP is currently worth around £81.50 a week. If the person you care for loses that, the household could be worse off overall.
Have ready: your National Insurance number, employment and earnings details, bank details, and the National Insurance number of the person you care for. In Scotland, apply for Carer Support Payment at mygov.scot or call 0800 182 2222 — the DWP no longer accepts new Carer’s Allowance claims there.
If you care for someone between 20 and 34 hours a week — too few hours for Carer's Allowance — you may still qualify for Carer's Credit. It gives you National Insurance credits (so your State Pension is protected) but no money. Apply with form CC1 from gov.uk/carers-credit. In Northern Ireland, Carer’s Credit is administered by the Department for Communities — apply through nidirect (Disability and Carers Service, 0800 587 0912).
Also see: The £204 earnings limit — the cliff edge · In Scotland? Carer Support Payment replaces this · Managing their benefits too? Become their DWP appointee · Need a break? Respite care & who pays
You can claim if you are 16 or over, care for someone for at least 35 hours a week, the person you care for receives a qualifying disability benefit (Attendance Allowance, PIP daily living, DLA middle/high care, AFIP), and you earn no more than £204 a week after tax, NI and expenses.
£86.45 a week — that's £4,495 a year. It is taxable but most carers' income is low enough that no tax is actually paid. It also gives you National Insurance credits that protect your State Pension.
Possibly. If the person you care for receives the Severe Disability Premium (part of Income Support, JSA, ESA, Housing Benefit or Pension Credit), they may LOSE it when you claim Carer's Allowance. Always check before claiming, especially for elderly parents on Pension Credit. Carers UK (0808 808 7777) and Age UK (0800 678 1602) will check free.
In England and Wales, apply online at gov.uk/carers-allowance or by post using form DS700. In Northern Ireland it is run by the Department for Communities, not the DWP — claim through nidirect (Disability and Carers Service 0800 587 0912). In Scotland apply for Carer Support Payment at mygov.scot. You will need your National Insurance number, employment details, bank details and the National Insurance number of the person you care for. Claims can be backdated by up to 3 months.
No. New Carer’s Allowance claims from people living in Scotland are no longer accepted — it has been replaced by Carer Support Payment from Social Security Scotland. Same £86.45 a week, plus the Scottish Carer Supplement automatically on top, and full-time students can claim. Apply at mygov.scot or call 0800 182 2222.
If you care for 20-34 hours a week (less than the Carer's Allowance threshold), you may qualify for Carer's Credit — National Insurance credits only, no money. It still protects your State Pension. Apply on form CC1.
Sources: Carer's Allowance · GOV.UK Carer's Allowance. Carer's Credit · GOV.UK Carer's Credit. Take-up estimate · Carers UK State of Caring. Carers UK Adviceline 0808 808 7777. Age UK Advice 0800 678 1602. Last reviewed: May 2026.
Sorted's Caring for someone hub also covers Attendance Allowance, NHS CHC, LPAs and Pension Credit.