If you’re a carer, there’s financial support out there to help you. Find out what’s available and how to apply.
Carer’s Allowance
In 2025/27, Carer’s Allowance is £86.45 a week.
You might be able to claim it if you:
- spend at least 35 hours a week caring for someone
- are aged 16 or over
- aren’t in full-time education or studying for 21 hours a week or more
- earn £204 (2026/27) a week or less after tax, National Insurance and expenses (£10,608 a year).
The person you’re caring for must also be getting a benefit because of their illness or disability. For example, they must be getting:
- Attendance Allowance
- Disability Living Allowance (at the middle or higher rate for care)
- Personal Independence Payment (either rate of the daily living component)
- Armed Forces Independence Payment.
See GOV.UK for a full list of the benefits the person you care for might be gettingOpens in a new window
Carer’s Allowance is taxable. But you’ll only have to pay tax if:
- you have other sources of taxable income, such as occupational or personal pensions or part-time earnings, and
- if this combined income takes you over the threshold for paying tax – £12,570 a year in 2026/27.
Carer’s Allowance on its own is currently below this threshold.
How does Carer’s Allowance affect other benefits?
Carers Allowance is not means-tested so your savings and your partner’s income aren’t relevant.
Carer’s Allowance can affect other benefits you might be already getting – so you might be paid less in another benefit.
It will count in full as income if you’re getting Universal Credit. But you might also qualify for extra Universal Credit because you’re a carer, so overall you might be better off.
It can also affect the benefits of the person you’re caring for. For example, if they’re getting Severe Disability Premium – this will stop if you claim Carer’s Allowance.
Making sure your earnings stay under the threshold
If your weekly take home pay is more than £204 (2026/27) after deductions, you may no longer be entitled to Carer’s Allowance for that week. For more detailed help about the earnings limitOpens in a new window, visit Carer’s UK.
Earnings from self-employment can be averaged out
You can also offset certain expenses against the earnings limit. These include work-related expenses, payments for alternative care when at work and 50% of your pension contributions.
As HMRC now give up-to-date information about earnings to the Department for Work and Pensions (DWP) if you earn more than the limit in any given week, it’s important to tell the DWP. If you don’t, you may be asked to pay back the amount you were overpaid.
If your earnings vary from week to week, it’s important to let the DWP know. This is so they can average out your earnings so you stay under the limit.
You can report changes using the carer’s allowance serviceOpens in a new window on GOV.UK, or you can contact the Carer’s Allowance UnitOpens in a new window on GOV.UK, as well as finding more about carer's allowanceOpens in a new window on the Low Incomes Tax Reform Group website.
You can’t usually get Carer’s Allowance if you’re already claiming State Pension or certain income-replacing benefits such as, New Style Employment and Support Allowance.
However, it’s still worth making a claim even though you won’t get Carer’s Allowance itself. Just being eligible might entitle you to top-up income for other means-tested benefits you get such as Pension Credit, Universal Credit or Housing Benefit. This is called having an ‘underlying entitlement’ to Carer’s Allowance.
Your local Jobcentre Plus – or Jobs and Benefits Office in Northern Ireland – will be able to tell you which benefits to apply for. Or you can contact your local Citizens Advice.
Find your nearest Citizens Advice branchOpens in a new window on advicelocal
There’s more information about Carer’s Allowance on these websites:
- find out more about Carer’s AllowanceOpens in a new window on GOV.UK.
- watch a video and find examples of how Carer’s Allowance worksOpens in a new window on Carers UK.
- use our Benefits calculator.
Northern Ireland
Find out more at nidirect about Carer’s Allowance in Northern Ireland
Scotland
If you live in Scotland, you must apply for Carer Support Payment instead of Carer’s Allowance. This is paid at a standard rate of £86.45 (2026/27) per week.
Find out more about applying for Carer Support PaymentOpens in a new window on mygov.scot.
Carers in Scotland will also get a new Scottish Carer SupplementOpens in a new window of £11.70 a week. This replaces the Carer’s Allowance Supplement.
Find out more about Scottish Carer SupplementOpens in a new window on mygov.scot
Carer’s Credit
Carer’s Credit is a National Insurance credit that fills gaps in your National Insurance record.
It helps towards your State Pension while you’re not making any contributions because of your caring role.
You might be able to get Carer’s Credit if:
- you’re aged 16 or over
- you’re not yet getting State Pension
- you don’t qualify for Carer’s Allowance
- you spend at least 20 hours a week caring for someone
- the person you’re looking after gets a benefit because of their illness or disability. For example:
- Disability Living Allowance - middle or highest rate of the care component
- Attendance Allowance or Pension Age Disability Payment
- Constant Attendance Allowance
- Personal Independence Payment or Adult Disability Payment daily living part
- Armed Forces Independence Payment
- Child Disability Payment (CDP) middle or highest rate of the care component.
See GOV.UK for a full list of the benefits the person you care for might be gettingOpens in a new window
If the person you’re caring for doesn’t get one of these benefits, you might still be able to claim by completing a ‘Care Certificate’.
England, Scotland and Wales
Find out more about Carer’s CreditOpens in a new window on GOV.UK
Northern Ireland
Find out more about caring and your pensionOpens in a new window on nidirect
Carer Premium
If you are entitled to Carer’s Allowance, (even if you don’t actually get it), You might be entitled to an additional payment on top of any means-tested benefits you get.
If you get Universal Credit, this payment is called the ‘Carer Element’ and is worth £209.34 per month.
If you get Pension Credit, Housing Benefit or Council Tax or rates Reduction, this payment is called ‘Carer Addition’ and is worth £48.15 per week.
Ask about the Carer Element in your on-line Universal Credit journal. Ask about the carer addition at your local council or by ringing the Pension Credit service service on 0800 731 0469Opens in a new window.
If you qualify, the payment should usually be added automatically.
Carer’s Allowance can be backdated 13 weeks if you have been eligible for that long. It can go back further if you were unable to claim because you were waiting for the person you care for to get their disability benefit.
If you’re entitled to Carer Premium you might also be able to use it to support a claim for a Council Tax discount. Find out more in our guide Benefits to help with your disability or care needs.
Pension Credit
This is a benefit you can get if you’ve reached State Pension age. It’s designed to top up your income in retirement.
If you live with a partner, you’ll only be able to claim Pension Credit now if you’ve both reached State Pension age. Pension Credit can be topped-up with a Carer Addition, even if you don’t get Carers Allowance because your State Pension is higher.
Find out if you qualify in our guide Increase your retirement income with Pension Credit
Local welfare assistance
If you have an unexpected and urgent financial need and you’re getting certain benefits or are on a very low income, you might be able to get local help. This is called local welfare assistance.
England
Contact your local council to find out more about what help they might be able to provide. This may be known as the Crisis and Resilience Fund.
Scotland
Find out more about the Scottish Welfare FundOpens in a new window on mygov.scot
Wales
Find out more about the Discretionary Assistance FundOpens in a new window on gov.wales
Northern Ireland
Find out more about the Social FundOpens in a new window on nidirect
Other benefits you might be able to claim
As a carer, there are other benefits and support you might qualify for.
Universal Credit
If you have a low income – whether or not you’re working – Universal Credit can give you extra money to live on.
Find out more in our guide Universal Credit explained
If you’re caring for a severely disabled person for at least 35 hours a week, you might qualify for the carer element of Universal Credit.
Find out more about the carer element and how much you might get in our guide How much is Universal Credit?
Universal Credit works differently in Northern IrelandOpens in a new window find out more on nidirect.
Help with housing costs
If you’re renting, you might get help with your housing costs through the Housing Costs element of Universal Credit (or Housing Benefit if you're over State Pension age). People entitled to Carer’s Allowance may qualify for extra help because of the Carer Addition.
If you’re a homeowner, you can get help with your mortgage interest payments through Support for Mortgage Interest (SMI). This is offered as a repayable loan.
Find out more in our guide Support for Mortgage Interest (SMI)
Other help if you’re on a low income
You might also be entitled to financial help with your:
- fuel
- health costs
- Council Tax
- home repair services.
Take a few minutes to check which benefits you can claim and how much you could get a month with our Benefits calculator
Other schemes and entitlements
Motability scheme
If you’re caring for someone with limited mobility, they might be able to get support from the Motability scheme. This can help by providing a car, wheelchair or powered scooter.
Find out if you're eligibleOpens in a new window on Motability
Blue badge parking
Blue badge parking permits allow drivers who have passengers with mobility issues to park in more convenient locations, such as disabled parking bays. You may also get exemption from some congestion charges.
You can also park on single or double lines for up to three hours except in Central London.
Find out how to apply for a blue badgeOpens in a new window on GOV.UK
Disabled Persons Railcard
The Disabled Persons Railcard entitles the cardholder and a carer or companion one third off most adult rail fares on the National Rail network.
It costs £20 a year, or £54 for a three-year card. You can buy one online or pick up a postal application form at any staffed station ticket office.
Find out more on Disabled Persons Railcard
Cinema Exhibitors’ Association Card
This card entitles you to one free ticket when you take the person you’re caring for to the cinema. All national cinema chains accept it. You can apply for the card online.
Find out more on Cinema Exhibitors’ Association Card
Other discounts
There are lots more free or discounted entry offers available to carers at museums, theatres, football clubs, leisure centres and National Trust sites across the country.
They’re not always advertised – so it’s worth asking when you’re buying tickets.
Several local authorities also offer carers’ shopping, leisure and other discounts. Ask your local authority what extra support they offer.
Where to get help and advice about benefits
Claiming carer’s benefits can be complicated. So it’s important to make sure you’re getting the right entitlements.