Carer’s Credit explained

March 8, 2021
October 26, 2021

By Jane Stanfield, Associate Practitioner

Why might you need Carer’s Credits?

Carer’s credits are not paid as a benefit but are a way of protecting your national insurance record and your state pension.  

It is often easy to overlook your national insurance status amongst everything else which comes with caring, but take a moment to consider if you are losing out.

National insurance (NI) contributions are either 

But what happens if you are not eligible to claim carers allowance because the person you care for refuses to claim the relevant disability benefit? Or you do not care for one person for 35 hours a week, though the caring you do still impacts on your ability to earn?

In these circumstances you may still be able to receive NI credits if: 

You can find the claim form at Carer’s Credit – GOV.UK (

Have a question?

If you have further questions please contact us here for an individual response. We aim to reply to you within 2 working days.

Carer's Credit
If you are not eligible to claim Carer's Allowance you may still qualify for a Carer's Credit to protect your national insurance record and your state pension
Being a carer