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Carers Allowance WTF

136 replies

MagicPharmacist · 31/03/2025 08:40

Due to an absolutely perfect storm of shit happenings, my dad died, my mum has Parkinson’s and I lost my part time job, we’ve made a decision that rather than look for another job right now I will care for my mum. I’m very happy to do this and we are fortunate enough that I can be on minimal income for now, although obviously not ideal.

I do a little bit of self employed work, no where near the threshold. My mum gets attendance allowance so she told me to apply for carers allowance.

But the numbers make NO SENSE to me. It’s not anything I’ve ever had to look at before but how the fuck do they justify this?

£81 a week for 35hrs caring (and obviously it’s more than this for most people). And then on top of that you are only allowed to earn £150? Why? What’s the justification?

And then the new cap will be £196 earnings which is equivalent to 16hrs at minimum wage. Why? Why are they so invested in keeping carers poor?

I don’t really understand why this is a means tested benefit. Surely it’s in the government interests to have family carers? £81 a week for 35 hours minimum work and then you can ONLY make less than 800 a month on the side? How do they expect people to live?

I’m ENRAGED. Not necessarily for myself; we won’t starve as my husband has a good job. But if he earned less we would be fucked, my mum would either have to have carers in every day or go into a care home.

Oh god and the hoops to jump through as well; the form was a nightmare and they want so much info about me and my previous employment and current income. And it takes at least six weeks for a decision…could be months.

AIBU to be shocked by this?

OP posts:
0ohLarLar · 01/04/2025 00:07

Carers allowance isn't pay for x hours of caring. By default if you are getting it you are earning very little elsewhere so are likely getting most of your income via UC.

Why would you get it on top of the UC? If they paid it you as an hourly wage at NMW, you'd probably then earn too much to receive UC. Would you be happy with that?

Tangerinenets · 01/04/2025 00:02

i was getting carers allowance for our adult son but needed to go back to work full time and there are no day services for him so he’s now living in a residential placement which costs over £5k per week due to his very complex needs. I said to the social worker that they could just offer parents a decent amount to be able to give up work and maybe employ support staff to help out it would save the government thousands. I have two friends with adult children with complex needs who are in the exact same position.

Crazyworldmum · 31/03/2025 23:54

Lovelysausagedogscrumpy · 31/03/2025 20:26

Successive labour opposition leaders, including Starmer have howled indignantly at Tory plans to cut benefits, and also at the way in which the different benefits were deliberately misrepresented to get the public on side. I remember Jeremy Corbyn railing at the coalition government for the way disabled people were represented in the press and media with misleading stories to push cuts through.

Well we have a Labour government, and lo and behold they’re doing exactly the same thing. Cutting benefits to the most vulnerable, ignoring the repercussions for the claimants and being dishonest about the projected savings and ramifications for the care sector, lumping out of work sickness benefits and disability benefits together with no clarification of what benefits like PIP are for.

We’ve had disabled people trotted out on TV, and denigrated in the press, in exactly the same same way as the Tories did, in their attempts to sway public opinion. And there’s an added element. Not a day has gone by - both pre and post spring statement - when there hasn’t been a ‘damning report’ on Motability with the same tired agenda of making it seem that the tax payer is footing the bill for ‘free cars’ when nothing cold be further from the truth.

I voted Labour. Never again. They are wolves in sheeps’ clothing. They’ve launched an all out attack on the disabled using the same despicable methods as their predecessors, which also makes them a bunch of hypocrites. At least the Tories were upfront about hating disability benefits. And this is just the tip of the iceberg. If the cut to PIP daily living doesn’t realise the intended savings, the mobility component will be next, and with it Motability. The ground is being prepared now.

Edited

You are 100% right !

Fascinate · 31/03/2025 22:36

While you are on CA you will be building up National Insurance years towards a state pension. BUT you obviously will not have anything to pay into your own pension pot, and the way things are going state pension isn't going to be worth much anyway.

I'm facing retirement with a single person's state pension, in rented accommodation, with no savings (benefits obvs don't provide enough to save).

Please be aware of this, I wasn't and I'm now staring it in the face in horror.

JoyousPinkPeer · 31/03/2025 22:26

AloeAloeVera · 31/03/2025 08:45

Well, to add to the fun. Those of us on variable earnings can wait months and months.
My contract is zero hours, so I have to submit pay checks and get paid retrospectively. For background info, I go over the earning limit once a year due to back pay of pay rises that take a while to be agreed with unions.
I submitted 2 months worth of pay checks at the end of November and I’m STILL WAITING for my CA. I’ve rung a few times, they have it, they are under the earnings limit, yet they haven’t processed the payments 4 months later.
So I don’t even have what I’m entitled to.

Go and complain to your MP

Elferbowton · 31/03/2025 22:23

I've recently been looking into carers as my DM has a life threatening condition and as a family we will do all we can with or without the payment.
Having read all the posts on here the system seems to be a disgrace. If the government, so by my interpretation, the payer/employer are insisting you have to make yourself available for 35 hours per week how, legally, are they getting away with not paying the minimum wage ?
No nasty responses as to "you should do it for free" please as I probably will.
But surely if it is demanded that 35 hours work/care is required to receive any level of payment then you should be paid minimum wage which has just gone up today to £12 plus per hour.
I wouldn't get away with paying a carer less than the minimum wage so why should the government ?

MagicPharmacist · 31/03/2025 21:19

THisbackwithavengeance · 31/03/2025 21:00

You’ve said yourself: your DH gets a good salary so you’ll be fine. Why do you expect the taxpayer to give you more? If you’re that “enraged”, send your mum to a home.

That’s quite an impressive misreading of my point, well done.

OP posts:
THisbackwithavengeance · 31/03/2025 21:00

You’ve said yourself: your DH gets a good salary so you’ll be fine. Why do you expect the taxpayer to give you more? If you’re that “enraged”, send your mum to a home.

BobbyBiscuits · 31/03/2025 20:49

You need to be caring for 35 hours, so they should say you can only do a certain number of hours paid work on top. Purely because you need rest and sleep and balance. But they shouldn't put a limit on the amount you can earn.
Either way it's a crap benefit that's nowhere near enough money. I think they just don't really want people to use it. It seems almost like it's not worth it for many people.

Katemax82 · 31/03/2025 20:43

femfemlicious · 31/03/2025 08:55

If your husband worked more, you would get universal credit?. Carers isn't the only money carers get. They apply for universal credit which pays towards housing etc.

Absolutely..my family gets universal credit and my husband earns ok. We have 2 disabled kids

Itsabingthingfubing · 31/03/2025 20:37

Yep my husband works and can't claim carers for me despite putting in the required hours (and more when I'm really poorly!) Yet, I know families where neither parent works because they have two kids in full time education who get DLA 🤷🏼‍♀️ I'm not saying that's easy but it's a huge blind spot in the system.

Lovelysausagedogscrumpy · 31/03/2025 20:26

Crazyworldmum · 31/03/2025 19:59

Welcome to the awful wold of carers and disabilities! Unfortunately lack of help to disabled and carers doesn’t take people to the streets , in fact governments like the current one have a way of turning folk against disabled and the more vulnerable because they know they can’t protest and nobody cares much .
Carers allowance should be at least minimum wage but the government knows to well most of us will not throw out children or parents on the street .

Successive labour opposition leaders, including Starmer have howled indignantly at Tory plans to cut benefits, and also at the way in which the different benefits were deliberately misrepresented to get the public on side. I remember Jeremy Corbyn railing at the coalition government for the way disabled people were represented in the press and media with misleading stories to push cuts through.

Well we have a Labour government, and lo and behold they’re doing exactly the same thing. Cutting benefits to the most vulnerable, ignoring the repercussions for the claimants and being dishonest about the projected savings and ramifications for the care sector, lumping out of work sickness benefits and disability benefits together with no clarification of what benefits like PIP are for.

We’ve had disabled people trotted out on TV, and denigrated in the press, in exactly the same same way as the Tories did, in their attempts to sway public opinion. And there’s an added element. Not a day has gone by - both pre and post spring statement - when there hasn’t been a ‘damning report’ on Motability with the same tired agenda of making it seem that the tax payer is footing the bill for ‘free cars’ when nothing cold be further from the truth.

I voted Labour. Never again. They are wolves in sheeps’ clothing. They’ve launched an all out attack on the disabled using the same despicable methods as their predecessors, which also makes them a bunch of hypocrites. At least the Tories were upfront about hating disability benefits. And this is just the tip of the iceberg. If the cut to PIP daily living doesn’t realise the intended savings, the mobility component will be next, and with it Motability. The ground is being prepared now.

Chilloutmore · 31/03/2025 20:14

I also think the criteria means fewer carers are eligible, hence money is saved. Family working full- time jobs generally, somehow, do caring alongside which they don’t get carers allowance for. People nowadays often can’t afford to lose their wages, to instead get paid the small sum of carers allowance.

MinionKevin · 31/03/2025 20:05

I’m a carer for DD. I had a good job, my income had come down massively. We aren’t entitled to anything else because of DHs wage. I would love to work, even a few hours a week. But I cannot guarantee I will be at any place at any time because it depends how DD is on any given day.

Who wants an employee for a few hours a week who might not turn up anyway. And no weekend/evening isn’t an option. So I am trapped.

What’s really pissed me off though is if you apply for courses it doesn’t count to getting a free place like being unemployed, probably because you might work as well. So I could use the time to do some training which would be flexible, but I’d have to pay.

Nightjar33 · 31/03/2025 20:01

SnuffleTruffleHound · 31/03/2025 08:44

Just wait till they turn your claim down as you can't guarantee what your weekly income will be lower than threshold (easier just to give up the job full stop). Oh and God help you if you're paid monthly rather than weekly.
And then when you appeal there is no timescale, you're just left floating in their system.
is a shit show

Yes I worked agency nursing when I looked after my father in law with cancer and could only do occasional shifts when someone could be with him.
I was £1 over and they refused carers allowance.
told me to apply in January and I said it doesn’t matter he’ll be dead in January which he was.
they don’t help genuine people however I don’t regret it and we managed to get buy.

Crazyworldmum · 31/03/2025 19:59

Welcome to the awful wold of carers and disabilities! Unfortunately lack of help to disabled and carers doesn’t take people to the streets , in fact governments like the current one have a way of turning folk against disabled and the more vulnerable because they know they can’t protest and nobody cares much .
Carers allowance should be at least minimum wage but the government knows to well most of us will not throw out children or parents on the street .

Lovelysausagedogscrumpy · 31/03/2025 19:47

HashtagShitShop · 31/03/2025 09:55

There isn't, you get one or the other.

I cared for grandparent, grandparent and parent and now finally parent as grandparent died in 2019. Because of the time involved I was caring pre universal credit and receiving income support alongside it (all of 45ish pounds a week) so a couple of years ago they had to manually migrate me across to universal credit.

You get carers allowance and universal credit OR universal credit with a carer element. Both work out the same. There is no additional 200 supplement if you're on UC.

(eta; I may have misread and realise you might be talking about something different? , you said said something about not claiming the carers allowance but my exhausted carer brain didn't see that bit first off, apologies)

Edited

You can claim carers allowance alongside UC, in which case, you will have the carers allowance deducted in full from UC because it’s an overlapping benefit. They will then give you the carers element on top of UC, which is the equivalent of a 55p in the £1 deduction from the full carers allowance.

Lovelysausagedogscrumpy · 31/03/2025 19:32

Ragingoverlife · 31/03/2025 14:26

Don't forget to add, any money you receive will be deducted out of your universal credit. At the full amount not 0.55 per £1 like a job 😬

A carers premium is added on so it’s the equivalent of a 55p in the £ deduction - it’s treated as income.

Crucible · 31/03/2025 19:29

HashtagShitShop · 31/03/2025 10:00

I feel you deep in my bones for that response. I am 24/7, there's no side life and things have gotten slightly easier recently in that in only caring for parent not grandparent AND parent during day and being called up at night to get them something or move their position or help them to the toilet etc etc etc...

I think it works out as all of 20p an hour when spread over the full week? Perhaps I should request her a care home place 24/7 and see if they could get away with paying the carers there 20p an hour?

@HashtagShitShop sending you a massive hug. I'm dreading having to lift my relative. We aren't there yet but it's coming.

Lovelysausagedogscrumpy · 31/03/2025 19:26

Miley23 · 31/03/2025 19:14

Agree and the shit will really hit the fan if lots of people start to lose their PIP and their carers lose their carers allowance and adult social care have to pick up the tab.

Edited

Yep. And I don’t think the government have even thought of this as a knock on effect - lt’s not factored in to the projected benefit savings because LA care budgets come from a different source.

Family/friend carers are kept afloat with carers allowance and are saving the tax payer millions as a result. Once PIP daily living is stopped, care allowance stops and, as you say, the LA has to pick up the tab when the care needs are passed on to them. Not only that, but PIP is also taken into account in the financial assessment for home care, so LAs are going to be out of pocket again when the amount the client has to pay is reduced on loss of PIP.

There are also implications for self funders in care homes because they continue to be eligible for PIP while they are self funding. The loss of PIP will mean the funding pot depletes faster and the LA has to contribute sooner. A triple whammy which you’re unlikely to hear about in the press/media because they’re too busy denigrating claimants and digging up dirt on the ‘free cars’ provided by Motability.

BeehiveBasics · 31/03/2025 19:22

Ilovecleaning

A person does not have to live with someone to claim carers allowance !

My friend does this for a very vulnerable person
They have power of attorney for their health & wealth
They have to be available for hospital issues, carer issues, all manner of issues & it has been very stressful at times

I cannot disclose the nature of this persons exact circumstances

My friend has a heart of gold !

Lovelysausagedogscrumpy · 31/03/2025 19:15

Miley23 · 31/03/2025 19:07

Carers allowance is actually deducted in full from UC but a carers element added.

Which is what l said. It’s counted as income and what you end up with is a carers premium worth 45p in the £ after the deduction.

Miley23 · 31/03/2025 19:14

Lovelysausagedogscrumpy · 31/03/2025 19:10

Have you ever tried to access care through the local authority ? Clearly not, or you would know that the system is broken and many people who need care are being short changed or left without it entirely because the resources are so stretched. And as for carers allowance being a wage - l wouldn’t call £2.38 an hour for caring for someone full time a ‘wage’.

Agree and the shit will really hit the fan if lots of people start to lose their PIP and their carers lose their carers allowance and adult social care have to pick up the tab.

Cunningfungus · 31/03/2025 19:14

YouFetidMoppet · 31/03/2025 16:46

You do realise people provide care at night too? Without working full time there are still 130 odd hours left in a week.

Indeed I do. I was presenting an argument, is all - not necessarily my argument.

Lovelysausagedogscrumpy · 31/03/2025 19:10

CopperWhite · 31/03/2025 17:54

You’re saying that you won’t get universal credit but also that you don’t really need it because your husband earns enough. People who need universal credit will get it, so I don’t see the problem.

If you really needed to earn more you would work more and most people that genuinely need full time care can access it through their councils. Providing support for immediate family doesn’t need to attract a wage from the government.

Have you ever tried to access care through the local authority ? Clearly not, or you would know that the system is broken and many people who need care are being short changed or left without it entirely because the resources are so stretched. And as for carers allowance being a wage - l wouldn’t call £2.38 an hour for caring for someone full time a ‘wage’.