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  • Breadcrumb

    1. Home
    2. Benefits and money
    3. Benefits and financial support
    4. Financial support when caring for someone

    Caring and your pension

    If you cannot work or don't earn enough to pay National Insurance contributions because you are caring for someone, you may still be credited with National Insurance contributions. If you are a pensioner, you may be able to get Pension Credit.

    New State Pension

    New State Pension replaced the basic State Pension scheme for anyone who reached State Pension age on or after 6 April 2016.

    You can still receive new State Pension if you have other income like a personal or workplace pension.

    Your new State Pension is based on your National Insurance record.

    National Insurance contributions or credits on your National Insurance record before 6 April 2016 count towards your new State Pension.

    You need 35 qualifying years on your National Insurance record to get a full new State Pension.

    You will usually need at least ten qualifying years to get some new State Pension. The qualifying years don’t need to be consecutive.

    • New State Pension

    State Pension before 6 April 2016

    State Pension was made up of two parts: a basic state pension rate and an earnings-related Additional State Pension.

    Your entitlement to State Pension was based on the number of 'qualifying years' - which are tax years - in which you  paid, were treated as having paid, or were credited with National Insurance contributions.

    A person with 30 qualifying years was entitled to a full basic State Pension.

    • State Pension before 6 April 2016

    Additional State Pension

    Additional State Pension is an extra amount of money you could get on top of your basic State Pension if you are a man born before 6 April 1951 or a woman born before 6 April 1953.

    Further information is available on Additional State Pension.

    Carer's Credit

    New National Insurance credits for carers protect your future entitlement to State Pension and bereavement benefits automatically.

    You can get Carer’s Credit if you look after one or more people, for a total of 20 hours or more a week, who get:

    • Disability Living Allowance care component at the middle or the highest rate 
    • Attendance Allowance at any rate
    • Constant Attendance Allowance at any rate
    • Armed Forces Independence Payment

    If the person or people you care for don't get any qualifying benefits, you may still be able to get Carer’s Credit if a health or social care professional certifies they need the hours of care being provided each week.

    You will already be getting credits if you get one of the following:

    • Carer’s Allowance
    • Child Benefit for a child under the age of 12

    In these cases, you do not need to fill in an application form as the credits will be awarded automatically.

    If you are a foster carer and get National Insurance credits from HMRC, you don't need to fill in the application form.

    • Carer's Credit
    • Tax credits: general enquiries

    Carer's Allowance and National Insurance contributions

    For each week you receive Carer's Allowance, you will normally get a Class 1 National Insurance (NI) credit added to your NI record up to the tax year in which you reach State Pension age (unless you are a married woman who has chosen to pay reduced NI contributions).

    You will also normally be credited with a NI credit for any week you are entitled to Carer's Allowance, but it is not paid because you are also getting Widow's Benefit or Bereavement Benefits at the same or a higher weekly rate.

    Pension Credit

    Pension Credit gives you extra money to help with your living costs if you are over State Pension age and on a low income.

    Pension Credit can also help with housing costs such as ground rent or service charges.

    You might get extra help if you are a carer, severely disabled, or responsible for a child or young person.

    To find out the age when you can apply for Pension Credit, you can use the State Pension age calculator below.

    • About Pension Credit  
    • State Pension Calculator

    More useful links

    • Pensions and retirement planning 
    • Financial support
    • Contacting 08 and 03 numbers
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    Financial support when caring for someone

    • An overview of carers' rights
    • Assessments for carers
    • Carer's Allowance
    • Carer's Credit
    • Caring and your pension
    • Direct payments for carers
    • Disability Living Allowance for adults
    • Disability Living Allowance for children
    • Introduction to caring
    • Leaving work to care for someone

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    What to do next

    Comments or queries about angling can be emailed to anglingcorrespondence@daera-ni.gov.uk 

    If you have a comment or query about benefits, you will need to contact the government department or agency which handles that benefit.  Contacts for common benefits are listed below.

    Carer's Allowance

    Call 0800 587 0912
    Email 
    dcs.incomingpostteamdhc2@nissa.gsi.gov.uk

    Discretionary support / Short-term benefit advance

    Call 0800 587 2750 
    Email 
    customerservice.unit@communities-ni.gov.uk

    Disability Living Allowance

    Call 0800 587 0912 
    Email dcs.incomingpostteamdhc2@nissa.gsi.gov.uk

    Employment and Support Allowance

    Call 0800 587 1377

    Jobseeker’s Allowance

    Contact your local Jobs & Benefits office

    Personal Independence Payment

    Call 0800 587 0932

    If your query is about another benefit, select ‘Other’ from the drop-down menu above.

    Comments or queries about the Blue Badge scheme can be emailed to bluebadges@infrastructure-ni.gov.uk or you can also call 0300 200 7818.

    For queries or advice about careers, contact the Careers Service.

    For queries or advice about Child Maintenance, contact the Child Maintenance Service.

    For queries or advice about claiming compensation due to a road problem, contact DFI Roads claim unit.

    If you can’t find the information you’re looking for in the Coronavirus (COVID-19) section, then for queries about:

    • Restrictions or regulations — contact the Department of Health
    • Travel advice (including self-isolation) — contact the Department of Health
    • Coronavirus (COVID-19) vaccinations — contact the Department of Health or Public Health Agency

    If your query is about another topic, select ‘Other’ from the drop-down menu above.

    For queries about your identity check, email nida@nidirect.gov.uk and for queries about your certificate, email covidcertni@hscni.net.

    For queries or advice about criminal record checks, email ani@accessni.gov.uk

    Application and payment queries can be emailed to ema_ni@slc.co.uk

    For queries or advice about employment rights, contact the Labour Relations Agency.

    For queries or advice about birth, death, marriage and civil partnership certificates and research, contact the General Register Office Northern Ireland (GRONI) by email gro_nisra@finance-ni.gov.uk

    For queries about your GRONI account, email gro_nisra@finance-ni.gov.uk.

    For queries about the High Street Spend Local Scheme,  email HSSS.mail@economy-ni.gov.uk.

    For queries about:

    • Car tax, vehicle registration and SORN
      contact the Driver and Vehicle Licensing Agency (DVLA), Swansea
       
    • Driver licensing and tests, MOT and vehicle testing
      contact the Driver & Vehicle Agency (DVA), Northern Ireland

    If your query is about another topic, select ‘Other’ from the drop-down menu above.

    For queries about your identity check, email nida@nidirect.gov.uk.

     

    For queries or advice about passports, contact HM Passport Office.

    For queries or advice about Penalty Charge Notices (PCNs), including parking tickets and bus lane PCNs, email dcu@infrastructure-ni.gov.uk

    For queries or advice about pensions, contact the Northern Ireland Pension Centre.

    If you wish to report a problem with a road or street you can do so online in this section.

    If you wish to check on a problem or fault you have already reported, contact DfI Roads.

    For queries or advice about historical, social or cultural records relating to Northern Ireland, use the Public Record Office of Northern Ireland (PRONI) enquiry service.

    For queries or advice about rates, email LPSCustomerTeam@lpsni.gov.uk

    For queries or advice about  60+ and Senior Citizen SmartPasses (which can be used to get concessionary travel on public transport), contact Smartpass - Translink.

    If you have a question about a government service or policy, you should contact the relevant government organisation directly.  We don't have access to information about you.

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