Introduction, how it works, all about contributions. How much do you need, ways to build your pot, transferring and merging. Complaints, financial help when retired, changes to schemes. Starting a pension, types of pension, understanding pensions. How it works, what you might get, National Insurance. Ways to draw your pension, when can you retire, Pension Wise appointments. Tax allowances, tax paid on pensions, tax relief. All guidance, including how to use the Pension Wise service.
Getting started, getting the most out of savings, problems. How to invest, types of investing, buying and managing. Help with meeting goals, tax-friendly saving, saving for children. Start a webchat online or call us on For example:. For example, occupational or personal pensions or part-time earnings. This is so they can average out your earnings so you stay under the limit. As if you qualify in all other respects, you might be entitled to top-up income on other benefits you get.
Or you can contact your local Citizens Advice. However, if you qualify, the payment will usually be added automatically. This is called local welfare assistance. A change in circumstances includes events such as starting a new job, having a child and starting or stopping being a carer. If you want to know more about how this will affect your income, contact the Citizens Advice Help to Claim service before you make a claim.
The service is free and confidential. This is offered as a repayable loan. Find out about extra sources of income and support available to help you manage your household bills and save money in our guide What benefits you can claim and other ways to increase your income. This can help by providing a car, wheelchair or powered scooter. Blue badge parking permits allow drivers who have passengers with mobility issues to park in more convenient locations, such as disabled parking bays. The Disabled Persons Railcard entitles the cardholder and a carer or companion one third off most adult rail fares on the National Rail network.
You can buy one at any staffed ticket office or apply online. All national cinema chains accept it. You can apply for the card online. There are lots more free or discounted entry offers available to carers at museums, leisure centres and National Trust sites across the country.
Ask your local authority what extra support they offer. MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper. Download app: WhatsApp. For help sorting out your debts or credit questions.
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Hide this message. Home Benefits Benefits and financial support if you're caring for someone. Carer's Allowance. The type of care you provide You need to spend at least 35 hours a week caring for someone.
Your right to reside depends on things like your work, family and personal situation. You can check if you had a right to reside. If none of these apply to you, you might be able to make a late application to the EU Settlement Scheme. Find out more about staying in the UK if you're from the EU.
Contact your nearest Citizens Advice before you apply. The DWP has published an example case that covers the type of evidence the benefit department might want to see, for example - the reasons why the disabled person gets the benefit from an EEA country or Switzerland. If you think your client receives an equivalent benefit and the evidence they've shown you suggests they might be eligible, they should go to their nearest Jobcentre Plus.
If you care for a person or people for at least 20 hours a week, you might be able to get Carer's Credits. These are credits that fill in gaps in your National Insurance record - this decides whether you can get:. If your Carer's Allowance is either the same as or less than the other benefit, you will get the other benefit rather than Carer's Allowance. If the other benefit is less than your Carer's Allowance, you will get the other benefit and the balance of your Carer's Allowance on top.
Relay UK - if you can't hear or speak on the phone, you can type what you want to say: then You can use Relay UK with an app or a textphone. You can find out how to use video relay on YouTube. You will have to provide your national insurance number and evidence to show it belongs to you.
If you don't know your national insurance number, but you think you have one, you should provide evidence to help the office to find it. If you do not have a national insurance number, you will have to apply for one.
Your partner may have to attend an interview with a personal adviser as a condition of you getting Carer's Allowance. Your claim can be backdated for up to 3 months if you were eligible. Once you know about a change that might affect the amount of Carer's Allowance you get, tell the DWP as soon as you can. The change might increase your payment and you might miss out on extra money if you tell the DWP late.
You should still tell the DWP if you think a change might reduce your payment - you won't save money by reporting it later. This is called an overpayment - check how the DWP deals with overpayments.
Disability benefits will usually stop after someone has been in a care home or hospital for 28 days. If they go into a care home or hospital more than once in 28 days, the time from each visit will be added together.
In some cases, you may have to pay a civil penalty if you do something careless which causes an overpayment. This can happen if, for example, you give wrong information or you keep quiet about something, and as a result you get more Carer's Allowance than you're supposed to be getting.
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