Specified Adult Childcare credits

Specified Adult Childcare credits are National Insurance (NI) credits. They work by transferring the NI credit attached to Child Benefit from the Child Benefit recipient such a parent or main carer, to a specified adult, usually a grandparent or family member. Specified Adult Childcare credits are designed to protect the pensions of grandparents or family members who retire early to care for their grandchildren so the child's parent or main carer can go back to work. 

Who are they for and how do they work?

You may be entitled to receive Specified Adult Childcare credits if you are:

  • a grandparent, or other family member, who cares for a child under 12 (usually whilst their parent (or main carer) is working)
  • under state pension age

  • living in the UK

  • the child’s parent (or main carer) is entitled to Child Benefit and has a qualifying year for National Insurance

Specified Adult Childcare credits work by transferring the NI credit attached to Child Benefit from the Child Benefit recipient to a family member who is providing care for a related child under 12. If no one has claimed Child Benefit for the child there is no attached NI credit to transfer and Specified Adult Care credits cannot be awarded.

The child’s parent (or main carer) must be entitled to Child Benefit and have a qualifying year for National Insurance without needing the parent’s class 3 NI credits which they receive automatically from Child Benefit. They can check their National Insurance record online to see if they have any gaps in contributions).

How to apply

To apply for Specified Adult Childcare credits you will need to complete an application form and provide details including the applicant's details, the child's details and the parent's or main carer's details.

Find out more about eligibility and apply on GOV.UK