What is Carer’s Allowance? | Find Out How You Can Claim it?

If you are working as a carer for any person with disabilities, then you can claim Carer’s Allowance. The main agenda of this scheme is to help carers financially. However, there are certain requirements to claim the allowance.

The carer should spend at least 35 hours a week in providing the best care to that disabled person. If you are a carer, you can easily claim the allowance in case you are eligible for it. Let’s see how it works.

What is Carer’s Allowance?

Carer’s Allowance is a scheme that provides money for those who help disabled people. The carer should spend these minimum hours (35) round the week. The Carer’s Allowance is provided at £66.15 per week. The amount gets an increment in the month of April every year.

You necessarily don’t have to be the relative of the disabled. But, you can work while availing of the benefits of a Carer’s Allowance. However, there’s a limit to your monthly earning to claim the Carer’s Allowance. 

You can’t earn simply more than £123 round the week. Although this Carer’s Allowance doesn’t depend on your personal income, more earnings can still affect the policy.

If you claim a Carer’s Allowance, you will additionally get the additional amount for Carer’s Premium. This will enable you to explore the means-tested benefits as well. Now, let’s see what the criteria are to issue a Carer’s Allowance.

Requirements to Claim Carer’s Allowance

There are certain rules and regulations when it comes to qualifying for the Carer’s Allowance scheme. Go through this section to know the whereabouts and conditions of this allowance scheme.

Who Can Apply?

Not all people across the world can apply for this particular scheme. This scheme is applicable only to those who live in Scotland, England, Wales, and Northern Ireland. So, if you reside at any of these places, you can apply for the allowance. Otherwise, you simply can’t.

In addition to this, you must be more than 16 years old. Also, make sure that you devote at least 35 hours per week to that disabled person in order to claim this allowance. 

However, you can’t apply for this allowance policy if you are earning more than £123 per week. You are also ineligible if you are pursuing a full-time education during the time of application. 

Make sure that the person you are taking care of, also gets a benefit from any of the schemes mentioned below.

  • Disability Living Allowance (with the high or middle rate care component)
  • Personal Independence Payment
  • Attendance Allowance
  • Industrial Injuries Disablement Benefit or War Disablement Pension
  • Armed Forces Independence Payment

If you are getting paid for your work then you can still claim the allowance. But your payment should not be more than £123 per week. Additionally, you need not pay any national insurance contributions to avail of the scheme.

How Much a Carer Will Get?

The weekly rate of the Carer’s Allowance is £66.15. Also, the good news is that you can spend the money the way you want. If you are unable to receive the amount of Carer’s Allowance due to some overlapping benefit rules, then you can get the Carer’s Premium. 

Carer’s Premium is subjected to these following points:

  • Income Support
  • Housing Benefit
  • Pension Credit
  • Income-based Jobseeker’s Allowance
  • Universal Credit
  • Council Tax Support

Moreover, the carer will get a Christmas bonus of £10. It never affects other benefits that fall under that scheme.

How does the Carer is Paid the Allowance?

If you are a carer, the allowance will be credited to your bank account directly. Otherwise, you can opt for the Post Office or another kind of payment mode as per your convenience. 

You can even choose the interval of the payment. In certain cases, you may have the option to switch the payment mode into a weekly model. Otherwise, you can set it to 4 or 13 weeks in arrears.

What are the Other Benefits of Carer’s Allowance?

Carers can receive timely help through Income Support. After the tax deduction, the Carer’s Allowance will look like a proper income compared to your means-tested benefits. 

If you fear that the other benefits may affect the Carer’s Allowance policy, you can seek help from an expert or adviser.

Is there any Carer’s Allowance Supplement (A Special One)?

There’s a scope to earn extra payment in this allowance. This is named as Carer’s Allowance Supplement. But, only those people who are living in Scotland can get benefit from this supplement policy.

The amount of this special allowance is £226.20. The payment is divided into two segments: the first one in June and the second one in December. You need not apply for this scheme separately. You will automatically get it if you have enrolled yourself in this Carer’s Allowance and reside in Scotland.

If other benefits overlap the rules mentioned in the Carer’s Allowance policy, then people can’t get the supplement. 

Requirements for Carer’s Allowance and how Long it Takes to Begin

Before you claim the allowance, you should possess some documents. You need to send the following documents to avail of the benefits of the allowance.

  • If you are currently working, then you have to show the current payslip. 
  • The latest finalized accounts of your own business if you are self-employed.

When Will the Allowance Begin?

The claim will begin from the day on which the form gets submitted online. If you didn’t claim the benefit in time, you can request to backdate it up to three months. But, make sure that you report your circumstances, which might affect the entitled benefits through this allowance.

What if the Disabled Person Goes to Hospital? 

This is one of the main concerns for those who claim this Carer’s Allowance policy. If the person you take care of, goes to the hospital, their benefit stops after 28 days or four weeks. This allowance is related to their qualifying benefit, so it might stop in such cases.

If the person is really very ill and DWP is aware of this, the qualifying benefit may continue if the person gets admitted to a non-NHS hospice. Your care is also payable if you can attain the person for at least 35 hours per week. However, you may seek advice from an adviser if the circumstance complicates.