Question to the Department for Work and Pensions:

To ask the Secretary of State for Work and Pensions, if her Department will take steps to provide financial support for pension-age carers providing full-time care but no longer eligible for Carer's Allowance.

Although there is no upper age limit to claiming Carer’s Allowance, it cannot normally be paid with the State Pension. It has been a long-held feature of the UK’s benefit system, under successive Governments, that where someone is entitled to two benefits for the same contingency, then whilst there may be entitlement to both benefits, only one will be paid to avoid duplication for the same need. Although entitlement to State Pension and Carer’s Allowance arise in different circumstances they are nevertheless designed for the same contingency – as an income replacement. Carer’s Allowance replaces income where the carer is unable to undertake full time employment due to their caring responsibilities, while State Pension replaces income in retirement. For this reason, social security rules operate to prevent them being paid together, to avoid duplicate provision for the same need.

However, if a carer’s State Pension is less than Carer's Allowance, State Pension is paid and topped up with Carer's Allowance to the basic weekly rate of Carer's Allowance which is currently £81.90.

Where Carer’s Allowance cannot be paid, the person will keep underlying entitlement to the benefit. This gives access to the additional amount for carers in Pension Credit of £45.60 a week and potentially other means-tested support. Around 125,000 people are receiving the Carer Premium with their Pension Credit. It is paid to recognise the additional contribution and responsibilities associated with caring. And even if a pensioner’s income is above the limit for Pension Credit, they may still be able to receive Housing Benefit.