Carer’s Allowance could impact state pension payments – check criteria
Bristol resident discusses carers allowance
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Carer’s Allowance is delivered by the Department for Work and Pensions (DWP), but on their website, it explains that when people put in an application, they shouldn’t end up with less money. The website states: “When you claim Carer’s Allowance your other benefit payments may change, but your total benefit payments will usually either go up or stay the same.”
Carer’s Allowance does not count towards the benefit cap.
Britons should use a benefits calculator to work out how their other benefits will be affected.
Carer’s Allowance gives claimants £69.70 every week if they care for someone at least 35 hours a week and they get certain benefits.
However, pensioners should be aware they cannot get the full amount of both Carer’s Allowance and state pension simultaneously.
This is due to the “overlapping benefits” rule.
Under this rule, people are not entitled to receive Carer’s Allowance if they claim other specific benefits.
If someone’s state pension is £69.70 a week or more, they will not get a Carer’s Allowance payment.
If their pension is less than £69.70 a week, they’ll get a Carer’s Allowance payment to make up the difference.
If someone gets Pension Credit, their payments will increase if they’re eligible for Carer’s Allowance.
If they get Pension Credit and their state pension is more than £69.70 a week, they will not get a Carer’s Allowance payment but their Pension Credit payments will increase instead.
If they delay claiming their state pension, this could increase the state pension payments they get when they decide to claim it.
With other benefits like income-related Employment and Support Allowance (ESA) and Universal Credit, when claiming Carer’s Allowance as well, the payments will be reduced by the amount of Carers Allowance someone receives.
If someone claims Carer’s Allowance, they cannot claim contribution-based Employment and Support Allowance, Incapacity Benefit and Maternity Allowance.
People also cannot claim if they receive Bereavement or widow’s benefits, or contribution-based Jobseeker’s Allowance.
If the person who is being cared for claims Severe Disability Premium (SDP) then this payment of £69.40 a week could be stopped when Carer’s Allowance has been claimed.
If someone delays claiming their state pension, this could increase the state pension payments they get when you decide to claim it. People cannot build up extra state pension during any period the get Carer’s Allowance.
If people get Working Tax Credit or Child Tax Credit, they must contact HM Revenue and Customs to tell them about their Carer’s Allowance claim.
Carer’s Allowance is a gateway benefit for many other things.
For each week someone gets Carer’s Allowance they’ll automatically get National Insurance credits.
People may also be able to apply for:
- Support from the local council
- A Council Tax Reduction
- Universal Credit if they’re on a low income or out of work
- Pension Credit if they’re over working age
- Grants and bursaries to help pay for courses and training
- Income Support (if they get the severe disability premium and they’re on a low income)
- Income-based Employment and Support Allowance (if they get the severe disability premium and they cannot work).
The DWP reiterate that claimants do not have to be related to the person that they care caring for in order to claim. The DWP reiterates that claimants do not have to be related to the person that they care caring for in order to claim.
According to the current Carer’s Allowance rules, people also cannot get more money if they care for more than one person.
Britons can make a claim for Carer’s Allowance on the GOV.UK website, or they can call 0800 731 0297 for a form.
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