Looking after someone with a disability or health condition can be a full-time role. For unpaid carers, the UK government offers Carer’s Allowance—a benefit designed to recognise and support those who dedicate at least 35 hours each week to helping others. In 2025, eligible carers can receive around £327 every four weeks. This guide breaks down how it works, who qualifies, and how to apply.
Whether you’re a long-term carer or just starting your journey, here’s how to make sure you’re getting the help you’re entitled to.
Table of Contents
Overview
Carer’s Allowance is one of the UK’s most important support benefits for unpaid carers. It helps offset some of the financial pressure that comes with full-time caregiving.
| Feature | Details |
|---|---|
| Payment Amount | £327.60 per month (£81.90 per week) |
| Minimum Care Hours | 35 hours per week |
| Income Limit | £151 per week after deductions |
| Age Requirement | 16 years or older |
| Education Limit | Not in full-time education (21+ hours/week) |
| Residency | Must live in England, Scotland, or Wales |
| Application Website | gov.uk: Carer’s Allowance |
What
Carer’s Allowance is a taxable benefit given to people who provide substantial unpaid care to someone receiving a qualifying disability benefit. It’s not means-tested, but there are income and education restrictions.
The payment can provide essential breathing room if you’ve reduced your working hours—or stopped work altogether—to support a loved one.
You can still claim this allowance even if the care you provide is emotional support, help with daily tasks, or supervision for safety.
Eligibility
To qualify, all of the following must apply:
You must:
- Be aged 16 or older
- Provide 35+ hours of care per week
- Earn £151 or less per week (after tax, NI, and allowable expenses)
- Not be in full-time education (21+ hours per week)
- Live in England, Scotland, or Wales
The person you care for must receive one of these:
- Attendance Allowance
- Disability Living Allowance (middle or high care rate)
- Personal Independence Payment (daily living component)
- Armed Forces Independence Payment
Apply
Here’s a step-by-step guide:
Step 1
You’ll need:
- Your National Insurance number
- Bank account details
- Income details
- The cared-for person’s NI number and proof of their benefit
Step 2
Visit gov.uk and complete the application online.
Step 3
Call the Carer’s Allowance Unit if you prefer a paper form.
Step 4
Processing takes 6–12 weeks. If approved, you may receive backdated payments.
Step 5
You can be paid weekly in advance or every four weeks. The choice is yours.
Payments
The allowance is paid directly to your bank:
- Weekly: £81.90
- Four-Weekly: £327.60
It’s your decision which option works better for your budgeting needs.
Other
While useful, Carer’s Allowance can affect other benefits:
Universal Credit
You might be eligible for the Carer’s Element—a top-up within Universal Credit.
Income Support or Pension Credit
Claiming Carer’s Allowance can reduce these, but you may get a Carer Premium instead.
Tax
Carer’s Allowance is taxable. If your income is above the personal tax threshold, you may need to report it to HMRC.
Pension Contributions
Claimants receive Class 1 National Insurance credits, which count towards their State Pension.
Extra
Carer’s Allowance opens the door to other types of support:
- Carer Premium – Added to some legacy benefits like Income Support
- Blue Badge – For easier parking if the person you care for has mobility issues
- Council Tax Discounts – Some councils offer discounts for carers
- Carer’s Credit – A NI credit for those not eligible for Carer’s Allowance
Advice
Being a carer is both rewarding and demanding. Here are some simple strategies to help manage it all:
1. Budget Smart
Track your income and spending. Small savings can add up over time. Look for local discounts or support schemes.
2. Tap into Carer Resources
Groups like Carers UK and Carers Trust offer grants, advice, and emotional support.
3. Use Discounts
Many transport companies, cinemas, and retailers offer carer discounts. Always ask—some aren’t widely advertised.
4. Don’t Forget Your Own Health
Caring can be exhausting. Make time for rest, talk to someone, and ask for help when you need it.
FAQs
Who can claim Carer’s Allowance?
Anyone aged 16+ caring for 35+ hours a week for someone on disability benefits.
How much is Carer’s Allowance?
£81.90 per week or £327.60 every four weeks.
Does Carer’s Allowance affect other benefits?
Yes, it can affect Income Support or Pension Credit but adds value to Universal Credit.
Can I work and still get Carer’s Allowance?
Yes, if you earn under £151 a week after deductions.
Is Carer’s Allowance taxable?
Yes, if your total income exceeds the personal tax allowance.
