Benefits & money · England
Money for people who give unpaid care
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You may be able to get financial help if you care for someone.
Each benefit has its own rules.
Carer’s Allowance is a benefit for some unpaid carers.
You normally need to provide at least 35 hours of care each week.
You must also meet age, earnings and other rules.
The person you care for must get a disability benefit that meets the rules.
Some disability benefits do not meet these rules.
Ask a benefits adviser to check their payments.
Check the earnings rules if you work.
The rules allow some costs to be taken off your earnings.
Ask for a check before deciding you earn too much.
Universal Credit may include an extra payment for caring.
This is called the carer’s element.
Tell Universal Credit about your caring role.
You do not need to get Carer’s Allowance to qualify.
Caring benefits can affect benefits you already get.
For example, Carer’s Allowance normally reduces your Universal Credit payment.
Ask for a check of all your payments.
Your claim can also affect the person you care for.
They could lose an extra payment for severe disability.
Ask an adviser to check both people’s benefits before you claim.
Carer’s Credit may help protect your State Pension record.
It is not a cash payment.
You normally need at least 20 hours of care each week.
Other rules also apply.
What you can do next
Ask a benefits adviser to check benefits for both of you.
Ask about Carer’s Credit if you cannot get Carer’s Allowance.
Read the Carer’s Allowance rules Web pageThis link opens another website.
It may use harder words.
Benefits for unpaid carers
Carer’s Allowance, Universal Credit and protecting your pension record.
Unpaid carers · England
Carer’s Allowance
You normally need to be aged 16 or over and provide at least 35 hours of care a week to someone receiving a qualifying disability benefit. Examples include either rate of PIP daily living, middle or highest-rate DLA care, or Attendance Allowance. Residence, education and earnings rules also apply.
Check earnings and shared caring
Carer’s Allowance has an earnings limit after permitted deductions. Check the current GOV.UK limit rather than using your take-home pay alone. More than one person providing care does not mean each can receive a caring benefit for the same person. Ask how the shared-care rules apply.
The carer’s element of Universal Credit
If you qualify for Universal Credit, an extra carer’s element may apply for at least 35 hours of qualifying care. You do not need to receive Carer’s Allowance to get it. Report your caring role: it is not added automatically. Carer’s Allowance is normally deducted from Universal Credit.
If you already receive another benefit
Carer’s Allowance overlaps with some benefits, including State Pension, so both may not be paid in full. You may still have an “underlying entitlement” that helps with another benefit. The same person cannot receive both the UC carer’s element and its limited-capability-for-work-and-work-related-activity element. Ask for an individual calculation.
Check the effect on the person you care for
Receiving Carer’s Allowance, or a UC carer’s element, can stop a severe disability premium or addition paid to the person receiving care. Other support can also be affected. Before claiming, ask a benefits adviser to check both people’s awards and the overall result.
Carer’s Credit
Carer’s Credit can protect your National Insurance record for State Pension if you provide at least 20 hours of care a week and meet its rules. It is a credit, not a cash payment. It may help when you cannot get Carer’s Allowance. Income and savings do not decide entitlement.
Words you could use
“Please check the benefits for both of us before I claim as a carer, including any severe disability addition that could stop.”
Where the information comes from
Links checked 26 October 2026.
These links open other websites.
They may use harder words.
- GOV.UK: Carer’s Allowance eligibility Web page
Qualifying care, disability benefits, earnings, education and State Pension.
- GOV.UK: effects on other benefits Web page
Effects on both the carer’s benefits and those of the person receiving care.
- GOV.UK: Universal Credit extra amounts Web page
The carer’s element, reporting requirements and interaction with health-related additions.
- GOV.UK: Carer’s Credit Web page
National Insurance protection for qualifying carers.
- GOV.UK: benefits calculators and advisers Web pageCalculatorsAdvice finder
Where to start a whole-household benefits check; calculators have limits.
- DWP: detailed Pension Credit guidance Web page
Underlying entitlement to Carer’s Allowance and the severe-disability addition rules.