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Carers UK Forum • Question for anyone receiving the "carer premium"
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Question for anyone receiving the "carer premium"

Posted: Wed Apr 18, 2018 4:46 pm
by lovepush
Hello all. Feel free to skip ahead to my main question below, but I'll just add some supplementary info first for anyone curious:

I'm applying for Carers Allowance at the moment. I have been caring for my mom for a while but am only just applying for carers allowance now. (Edit: I also get ESA and believe I will receive the "carer premium.") My American husband will be applying for a spouse visa soon, and if I get carers allowance then it is a lot easier for us financially. So I figured I would finally get my CA sorted out. However, I am confused about the carer "premium." The visa requirements state that you must be in receipt of "Carers Allowance" - it makes no mention of a premium. I have asked around many places to see if the "carer premium" counts as carers allowance in terms of this visa (I even emailed the UKVI at the cost of £5) but nobody has an answer. As part of the visa, I have to send them my bank statements and benefit award letters. So now I'm just wondering about how the carer premium is presented on these papers and if it appears as any different to CA itself.

My main question: How does the carer premium appear on one's bank statement? For example if I was claiming ESA and got the carer premium on top, would there be an "ESA" payment and a seperately listed "Carer premium" payment? Or would it be "ESA" and "Carers Allowance"? Or something else perhaps.

Also, does anybody know how the award letter is worded? Does it say anything along the lines of "We can't award you Carer's Allowance but can pay a carer premium"? Or does it just say "We can pay you Carers Allowance in the amount of~" etc.

If anyone has any info it would be very appreciated. Sorry for a weird question, I'm a bit stressed! Thanks for any help anyone can offer.

Re: Question for anyone receiving the "carer premium"

Posted: Wed Apr 18, 2018 5:13 pm
by susieq
Sorry but I'm really puzzled !

I assume from your post that (a) you are in the UK and (b) you qualify for CA under the residency rules. I further presume you are applying for CA on your own behalf ? Your husband as a US citizen who hasn't lived here would not be able to claim CA or any UK benefits at this stage.

I suggest that you carefully read the Carers UK factsheet on Carers Allowance here:

https://www.carersuk.org/help-and-advic ... -allowance

and if you have further questions please contact our Adviceline for further information. Currently they are unable to accept queries by phone (due to staff shortages) but will reply any emailed queries.

Re: Question for anyone receiving the "carer premium"

Posted: Wed Apr 18, 2018 6:54 pm
by lovepush
susieq wrote:
Wed Apr 18, 2018 5:13 pm
Sorry but I'm really puzzled !

I assume from your post that (a) you are in the UK and (b) you qualify for CA under the residency rules. I further presume you are applying for CA on your own behalf ? Your husband as a US citizen who hasn't lived here would not be able to claim CA or any UK benefits at this stage.

I suggest that you carefully read the Carers UK factsheet on Carers Allowance here:

https://www.carersuk.org/help-and-advic ... -allowance

and if you have further questions please contact our Adviceline for further information. Currently they are unable to accept queries by phone (due to staff shortages) but will reply any emailed queries.
Hi, thanks for replying. Sorry I was not very clear. Yes I am in the UK and have lived here all my life. I am applying for CA because I care for my mother. My husband is American and isn't entitled to any uk public funds. I just mentioned him for the purpose of explaining the visa, which wasn't really relevant to my question, but I just figured people may've wanted to know. :) I have read through the factsheet but unless I'm missing something my question isn't answered there. I did email over a week ago but haven't received a reply.

Does anyone know how the premium appears on a bank statement?

Re: Question for anyone receiving the "carer premium"

Posted: Wed Apr 18, 2018 9:06 pm
by Sajehar
Hi Lovejoy

I get the Carers Premium; currently £36 per week on top of my Carers Allowance, currently £64.60 pw.
The Carers Premium is a strange benefit as some who claim CA get it and others do not.

If you work P/T, even just for 12 hours per week at £7.50 per hour (£90 per week), that will not affect your CA as you are allowed to earn £120 per week before you lose ALL of the CA.
However, because you earn £90 per week you are not allowed to claim the Income Support top-up to CA. The IS top-up brings CA in line with Jobseekers Allowance of £73.10, so this IS top-up is worth £8.50 per week.
It is my understanding, which could be wrong, that you need to qualify for the IS top-up if receiving CA in order to get the CP (confusing, isn't it :blink: )

Also however, IF you qualify for the IS top-up – which is ENTIRELY means-tested - you will automatically qualify for the CP of £36 per week, giving you a total of CA = £64.60 + IS top-up = £8.50 + CP = £36 = Grand Total of £109.10 per week.

It appears separately on my bank account from CA.

On my bank statement the CA appears as:

Automated Credit (followed by NI number) then DWP CA then amount.

The CP and IS top-up are combined in one lump sum and paid every two weeks. They appear as:

Automated Credit (followed by NI number) then DWP IS then amount.

There are other ways of claiming the CP but they’re not relevant to me so I don’t understand them. Best wait for the Carers UK email reply.

Hope this helps.

Cheers X

Re: Question for anyone receiving the "carer premium"

Posted: Wed Apr 18, 2018 10:24 pm
by lovepush
Sajehar wrote:
Wed Apr 18, 2018 9:06 pm
Also however, IF you qualify for the IS top-up – which is ENTIRELY means-tested - you will automatically qualify for the CP of £36 per week, giving you a total of CA = £64.60 + IS top-up = £8.50 + CP = £36 = Grand Total of £109.10 per week.

It appears separately on my bank account from CA.

On my bank statement the CA appears as:

Automated Credit (followed by NI number) then DWP CA then amount.

The CP and IS top-up are combined in one lump sum and paid every two weeks. They appear as:

Automated Credit (followed by NI number) then DWP IS then amount.
Thank you for taking the time to reply, this is very helpful!! So I see CP and CA are both paid, - I was under the impression that only one or the other could be paid.

So, as I understand it: Once I can claim CA and ESA together, my ESA will be reduced by £64.60, but then a CP of £36 will be added to each ESA payment. Additionally, £64.60 CA will be paid as a separate payment. Not too sure if this is correct but, if it is, it certainly seems like it would be sufficient to meet the visa requirements because actual Carers Allowance is being paid in. That is really good news!