Support for Carers

Wendy Chamberlain Excerpts

Thursday 22nd July 2021 Westminster Hall

[Wendy Chamberlain (North East Fife) (LD)]

It is a pleasure to serve under your chairmanship, Mr Hollobone, and to follow my hon. Friend the Member for Caithness, Sutherland and Easter Ross (Jamie Stone). I congratulate my right hon. Friend the Member for Kingston and Surbiton (Ed Davey) on securing this very important debate; reflecting on his own family experiences, he has been championing carers for some time.

Our unpaid carers ought to be supported for the vital work that they do for their loved ones, not left to struggle and, as in far too many cases, left to rely on services such as food banks. Other Members have outlined the importance of unpaid carers and the many difficulties that they face. As my party’s Department for Work and Pensions spokes- person, I will take a moment to outline what we are talking about when it comes to the carer’s allowance. To be entitled to carer’s allowance, a person must be at least 16 years old, which obviously leaves out some of the young carers whom Members have already mentioned. They must spend at least 35 hours a week caring for someone in receipt of a qualifying disability benefit. They must earn less than £128 a week and not be in full-time education or studying for 21 hours or more a week—we can see more exclusions there—and not be subject to the no recourse to public funds immigration rule. Carer’s allowance is non-contributory. It is not dependent on someone’s national insurance record, and it is not means-tested, but it is taxable. As other Members have mentioned, the weekly rate is currently £67.25.

I want to highlight the overlapping benefits rule. There are 1 million claimants who meet the requirements for entitlement to carer’s allowance, and the hon. Member for Bootle (Peter Dowd) referred to the likely number of carers in the UK who do not receive benefits. Just over 900,000 receive the payments, and that is mainly because of the overlapping benefits rule. If someone receives another overlapping income replacement benefit worth at least £67.25 a week, they do not receive carer’s allowance. If the overlapping benefit is worth less than £67.25 a week, their carer’s allowance payments are reduced so that the total is £67.25. What does that mean? In his anecdote about his constituent, my hon. Friend the Member for Caithness, Sutherland and Easter Ross mentioned that the gentleman was on a low pension income. The reality is that the overlapping benefits rule impacts most on people receiving a state pension. Some 79% of claimants who are entitled to carer’s allowance but who are not receiving it are aged 66 or over. To put it another way, 92% of eligible claimants aged 65 or under receive carer’s allowance, but 97% of eligible claimants aged 66 or over do not do so.

Simply put, £67.25 is not enough of an income and does not reflect the value that we as a society put on the work of carers. It is less than £2 an hour for 35 hours each week, and we know that full-time caring is not limited to 9 am to 5 pm on Monday to Friday. Of course, people who care for others do not do so for payment; they do it out of love. However, that is not a reason to leave so many people in poverty, from which they have no means of extracting themselves.

Many of my constituents have written to me, asking for a fairer system that recognises the contribution of carers and that does not penalise them if they manage to balance unpaid caring and work—a system that truly understands the needs of those it serves and that recognises circumstances whereby carers may be delivering care to more than one person, such as an elderly relative and a disabled child. I have constituents who have stopped receiving carer’s allowance but have continued having sums deducted from their universal credit. Like other Members, I have constituents who are simply in dire need of a break, but who cannot afford respite because of the limits on personal budgets. I also have constituents who are pushed on to the breadline because of payment deductions, clawbacks and inflexible assessment periods.

Unpaid carers, almost three quarters of whom are women, have simply been forgotten by the Government, who increased universal credit and working tax credit basic elements by £20 a week during the pandemic but who failed to offer such support to those on legacy benefits—predominantly disabled people and their unpaid carers. It is true that my constituents in North East Fife are able to claim a supplement of £8.83 each week from the Scottish Government. Although that helps, and I recognise the Scottish Government’s more compassionate approach, it is still simply a fraction of what is needed. That is why the Liberal Democrats are calling for an immediate increase to carer’s allowance of £1,000 a year, with a £20 increase to the universal credit carer’s element, in order to prevent this from being a deduction that is immediately offset by other reductions, as I have referred to.

Our unpaid carers are all too often our unsung heroes, and I want to recognise groups in North East Fife that provide support to carers and those for whom they care—specifically, the Fife Carers Centre, its North East Fife wellbeing group, and Families First in St Andrews, which I have had the privilege of visiting. This debate gives us the opportunity to sing their praises, and we must keep fighting for a just system of benefits payments to support the most vulnerable in our society.