Newspaper article Evening Chronicle (Newcastle, England)

Martin Lewis; Stake a Claim to Benefits You're Missing out On

Newspaper article Evening Chronicle (Newcastle, England)

Martin Lewis; Stake a Claim to Benefits You're Missing out On

Article excerpt

PARENTS, pensioners, grandparents, carers, may all be missing out on little-known entitlements worth PS1,000s. Check now to see what you're entitled to.

1. PARENTS WITH YOUNG CHILDREN DON'T RISK YOUR STATE PENSION: Since January 2013 child benefit has been means tested, so if one parent earns more than PS50,000 the amount reduces - reach PS60,000 and you get nothing, though, bizarrely, two parents earning PS49,999 each will get it.

So, many parents who don't qualify, don't claim. This is a mistake as claiming also triggers your National Insurance credits entitlement, crucial if you don't work or earn under PS5,824, as if you don't get enough you won't qualify for the full state pension.

If so, either just claim the benefit and accept the higher earning partner will pay tax on it. Or, if one earns over PS60,000 claim child benefit at a zero rate which still triggers the credits.

Do this on the child benefit application form at child-benefit/how-to-claim tick in Section 4 for 'Higher Income Earners'.

2. GRANDPARENTS: If you look after children under the age of 12, their working parents may be able to transfer national insurance credit to you, to help with your qualifying years for a state pension.

Fill in a CA9176 form (tinyurl.

com/jm9trjq) and send to HMRC.

You and the parent transferring the credit both need to sign.

3. CARERS: Help may be available if you're one of the UKs unsung army of carers.

Carer's credit - For those caring between 20 and 35 hours a week and not paying the full national insurance, this will effectively top up your national insurance record so you'll have a larger state pension when you retire.

Carer's allowance - For full-time carers (35+ hours a week) if the person you look after gets certain benefits you may be due weekly payments of up to PS62.10 per week.

For full details go to the carer's credit webpage at, or call on 0345 608 4321.

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