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Carer’s Allowance does not depend on national insurance contributions and is not means-tested – in other words not based on your personal income or savings – but earnings may affect your entitlement.

Carer’s Allowance usually counts in full as income when calculating your entitlement for means tested benefits.

In this section we look at an area in which support is available, to do with the state pension and National Insurance for carers.

You may not be paying National Insurance contributions whilst you are caring for someone.

Caring can have an impact on your finances, particularly if you have had to give up work to be a carer.



Carer's Allowance (CA) is paid at £62.10 a week (2015/16 rate). You don’t have to be related to, or live with, the person you care for to get Carer’s Allowance.

You can qualify for Carer’s Allowance whether you are in or out of work, but you must not earn more than £110 a week.

However, you may be able to get help to protect your state pension with National Insurance credits.

Back to the top If you will reach state pension age on or after 6 April 2016, you will be eligible for the ‘new’ state pension.

This may be the case if you are not working or only earning a small amount.This could affect your future state retirement pension because whether you qualify and the amount you get depends on your National Insurance contribution record.


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