Specified Adult Childcare Credits

Firstly, what a horrible name! We would prefer “Grand-parent credits” but anyway, simply put, do you have a gap in your national insurance record and look after a family member under 12? You can possibly claim for a top up!

Given that any missed year could reduce your state pension by £5.28 per week or £274 per year FOREVER – this is definitely worth investigating.

Firstly, it can be backdated to April 2011.

Basically, here is how it works:

You need to be caring for a child under the age of 12 who is a family member
Child benefit needs to be being claimed by the Mother of the child (If for example it has been switched off due to earning more than £60,000 per year there is no NI credit available to be transferred). See our page: https://financialfortress.co.uk/child-benefit-tax-trap/
Both parents are working and paying sufficient national insurance themselves (so don’t need the NI credit)
Can’t be applied for until atleast the October following the end of the tax year (for example October 2022 for the last tax year, ie: 2021/22)

Here is the government factsheet with full instructions:

https://www.gov.uk/government/publications/national-insurance-credits-for-adults-who-care-for-a-child-under-12-fact-sheet/specified-adult-childcare-credits-fact-sheet

What should you do?

You need to check your national insurance record to see if you actually need the credits being claimed! To do this, use our guide here: https://financialfortress.co.uk/how-to-get-your-state-pension-forecast/

When you are ready to claim, the application forms can be found here: https://www.gov.uk/government/publications/national-insurance-application-for-specified-adult-childcare-credits-ca9176

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