Money Advice for Carers

Caring for someone you love can be deeply rewarding — but it can also bring financial challenges. Many carers reduce their working hours or give up work altogether to provide support, often without realising there are benefits and financial assistance available to help ease the pressure.

At Enerst Care, we believe carers deserve both recognition and support — including financial guidance to help you manage the costs of caring. Here’s what you need to know.

1. Check If You’re Eligible for Carer’s Allowance

Carer’s Allowance is the main benefit for people who provide unpaid care.You may qualify if you:

• Care for someone for at least 35 hours per week

• The person you care for receives certain disability benefits (such as PIP, Attendance Allowance, or DLA)

• Earn less than a set income threshold after deductions (check the latest amount on gov.uk)

You don’t have to live with the person you care for to qualify, but you can’t receive Carer’s Allowance if you earn over the threshold or are in full-time education.It’s always worth checking — even if you’re unsure — as many carers are eligible but haven’t applied.

2. Explore Carer’s Credit

If you’re not eligible for Carer’s Allowance, you might still qualify for Carer’s Credit, which helps protect your National Insurance record.This ensures your State Pension entitlement continues to build while you’re caring full-time.

You can apply online or through the Department for Work and Pensions (DWP).

3. Check Council Tax and Energy Discounts

Many local councils offer Council Tax reductions for carers or the people they care for. You may also qualify for help with energy costs through schemes like:

• Warm Home Discount

• Winter Fuel Payment

• Cold Weather Payment

These can make a real difference, especially during the colder months when home energy use increases.

4. Look Into Grants and Charitable Support

Several charities and local organisations offer small grants to help with essential household costs, respite care, or specialist equipment.Useful places to check include:

• Carers UK Grant Directory

• Turn2Us.org.uk (for grants and benefits eligibility)

• Local carer support services or community foundations

Our Enerst Care team can help point you towards trusted resources if you’re unsure where to begin.

5. Claim Travel and Health-Related Costs

If you regularly take the person you care for to medical appointments, you may be able to reclaim travel expenses through the NHS Healthcare Travel Costs Scheme (HTCS).

Additionally, carers and care recipients may qualify for free prescriptions, dental care, or eye tests depending on income and medical conditions.

6. Protect Your Own Finances

Caring for someone can affect your savings and pension, so it’s important to keep your finances in check.Consider:

• Setting a monthly budget to track income and expenses.

• Speaking with a financial advisor who understands carers’ needs.

• Ensuring you’re still contributing towards your own long-term financial security, even if it’s a small amount each month.

7. Don’t Be Afraid to Ask for Help

It’s easy to put yourself last when you’re caring for someone else, but financial stress can quickly affect your wellbeing.Reach out for advice early — from your local council’s carer services, Citizens Advice, or Carers UK.

At Enerst Care, we often help families navigate practical and financial aspects of care, connecting them with trusted organisations that provide the support they deserve.

Our Support

At Enerst Care, we understand the dedication it takes to be a carer — and we believe you shouldn’t have to do it alone.Our carers and coordinators are here to help you find the right balance between caring, financial security, and personal wellbeing.

👉 Contact Enerst Care today for friendly guidance or to learn how our homecare services can support both you and your loved one — practically, emotionally, and financially.