Looking after a spouse or partner in later life can be both meaningful and emotionally complex. Many older adults provide daily care at home — often without recognising their role as carers or accessing the support available to them.
In the UK, Carer’s Allowance and several additional support schemes exist to help older carers maintain their well-being, manage financial pressures, and access respite services when needed.
This guide explains who can receive Carer’s Allowance, how to apply, and what other support is available for seniors caring for a loved one at home.
What Is Carer’s Allowance?
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Carer’s Allowance is a weekly benefit for individuals who provide regular, unpaid care to someone who needs daily support due to illness, disability, or age-related health changes.
It is designed to recognise the value of informal caregiving and to help ease financial strain.
Eligibility for Carer’s Allowance
To qualify, you must:
- Provide at least 35 hours of care per week to your spouse or partner.
- The person you care for must receive one of the following: Attendance Allowance, Personal Independence Payment (Daily Living Component), Disability Living Allowance (Middle or Higher Care Rate), Your earnings (after allowable deductions) must fall below the set weekly income limit.
- You must not be in full-time education.
Receiving a State Pension does not automatically disqualify you, but you cannot receive both full State Pension and full Carer’s Allowance at the same time. However, you may still benefit through Carer’s Premiums and other linked financial support.
Carer Support for Seniors Looking After a Spouse
| Support Type | What It Provides | Who Can Access It |
|---|---|---|
| Carer’s Allowance | Weekly payment for providing regular care. | Carers aged 16+ who meet eligibility rules. |
| Carer’s Credit | Helps protect your State Pension record when caring full time. | Carers not earning enough to pay National Insurance. |
| Carer’s Premium / Addition | Extra amount added to certain benefits if you are a carer. | Those receiving means-tested benefits such as Pension Credit. |
| Respite Care Support | Temporary care services to provide carers a break. | Available through local council assessments. |
| Home Adaptation Grants | Funding for equipment or home changes to support mobility. | Carers and care recipients assessed as needing support. |
Carer’s Credit: Protecting Your State Pension
If you care for a spouse but do not qualify for Carer’s Allowance, you may still be eligible for Carer’s Credit, which helps fill gaps in your National Insurance record.
This ensures your State Pension does not decrease because of your caregiving responsibilities.
Taking a Break: Respite and Emotional Support Services
Caring for a spouse can be physically and emotionally demanding.
Local authorities offer Carer Assessments to identify support needs such as:
- Short-term respite care
- Home support services
- Carer support groups
- Counselling or emotional well-being resources
Requesting an assessment does not depend on income.
How to Apply for Carer’s Allowance
Applications can be made:
- Online via GOV.UK
- By phone
- By requesting a paper form
You will need:
- National Insurance numbers (your own and your spouse’s)
- Details of care provided
- Information about your income and benefits
FAQ – Optimised for Search
Can I get Carer’s Allowance if I receive a State Pension?
You cannot receive both in full, but you may still gain financially through Carer’s Premiums and additional linked support.
Does my spouse have to live with me to qualify for Carer’s Allowance?
No. The key requirement is providing at least 35 hours of care per week.
Does Carer’s Allowance affect other benefits?
Yes, it can affect Pension Credit and other means-tested benefits — often positively, but it is important to check calculations.
Can I work and still receive Carer’s Allowance?
Yes, but your earnings must remain below the weekly threshold after deductions.
Need help finding a care home?
Senior Home Plus offers free personalized guidance to help you find a care facility that suits your health needs, budget, and preferred location in the UK.
Call us at 0203 608 0055 to get expert assistance today.
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