If we meet the eligibility criteria for Carer’s Credit, then we can make a claim. However, in some situations we may not need to make the claim, as our National Insurance contribution (for State Pension) may already be covered. 

 

We don’t need to apply for Carer’s Credit if the following is in play:

• We’re a foster parent

• We’re receiving child benefit for a child under 12 (but note that the National Insurance credits stop when they reach 12 years old)

• We receive Carers’ Allowance

 

In the above examples, we’re already receiving National insurance contributions to our State Pension, so there is no need to apply for Carer’s Credit.

 

That said, there may be exceptions, such as the below example:

 

For example, a mother is caring for her 8-year-old disabled child 24 hours per week. Working for £150 per week and claiming child benefit for the child. She would have:

 

• Class 1 coverage through employed earnings above the Lower Earnings’ Limit (Class 1 helps towards the entitlement criteria for certain Working Age Benefits)

• Class 3 coverage from the claim to Child Benefit for a child aged under 12 (Class 3 protects the claimant’s National Insurance record in respect of their State Pension only)

 

In theory, they could claim Carer’s Credit, but wouldn’t need to, as their National Insurance credits are already covered by the Child Benefit.

 

But;

 

It may still be worth claiming in the example above. For example, if their level of work fluctuates (above / below the Lower Earnings Limit) they may lose weeks of Class 1 coverage and, when their child turns 12, the credit associated with the claim to Child Benefit would cease.

 

Let’s make sure we’re plugging any gaps!