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For the nearly 3 million people in the UK who are working while also caring for a loved one — managing a job, a family, and a caring role simultaneously. You are not failing. But you do need a plan. Here’s where to start.

Does this sound familiar? You are managing a demanding job, running a household, and increasingly trying to hold together the daily life of someone you love. Maybe it is your mum, still fiercely independent but beginning to struggle with the things she used to do without a second thought. Maybe it is your dad, whose memory has been quietly declining for longer than you have wanted to admit. Maybe it is a partner, a sibling, or a friend.

You are caught in the middle — between work and caring, between your own needs and theirs — and you are running on not enough sleep, not enough support, and a guilt that follows you everywhere.

You are not alone. Census data shows that nearly 3 million carers aged 16 and over in the UK are in paid employment. According to Carers UK’s State of Caring 2025 survey — the largest study of its kind, with over 10,500 carers responding — 35% of working carers have already reduced their hours, and 600 people a day are giving up work to care entirely. Most are improvising. Most have never been told what they are entitled to, what help exists, or how to make this sustainable before it becomes a crisis.

This guide is for you — practical, honest, and built around how caring actually works in the UK today.

1. Time is the scarcest resource — so stop trying to manage it alone

When caring is added to a working life, time becomes something you are constantly behind on. The instinct is to try harder — to get up earlier, to take on more, to be better organised. But working carers who sustain their roles long-term are not the ones who manage time more efficiently. They are the ones who have accepted that they cannot do everything themselves, and have built a network around them accordingly.

Start by identifying what only you can do. Some tasks genuinely require you — administering a specific medication, managing finances, being present for important conversations. Everything else is, in principle, a candidate for delegation or support. Write the list honestly. Many carers are surprised by how much they have taken on by default rather than necessity.

Ask for help before you reach the edge. Family, friends, and neighbours are often willing to contribute more than carers ask them to — but they may not know where to start without being asked directly. A specific request is far easier to respond to than a general one. Instead of “it would be great if you could help more,” try: “Could you take Mum to her GP appointment on the 14th?” or “Could you sit with Dad for two hours on Saturday so I can catch up on sleep?”

Contact your local council’s adult social care team. A carer’s assessment and a needs assessment for your loved one are both free and can unlock practical support — including funded home care, day centre places, meal delivery services, and respite care. Many carers have never had either assessment. If that is you, it is worth a call.

To find your local adult social care team, search for your local council on gov.uk/find-local-council.

2. Professional help at home — what’s available in the UK

Paid home care does not mean stepping back from your caring role. For many working carers, it means the difference between sustaining that role and burning out entirely.

Home care in the UK currently costs around £32 per hour on average for standard visiting care, based on the Homecare Association‘s recommended minimum rate — the industry benchmark calculated annually to reflect what safe, regulated care actually costs to deliver. For 2026/27 that figure is £34.42 per hour. Despite this, most local authorities pay providers an average of only £24.10 per hour, and the gap between what care costs and what councils fund is one reason why waiting lists have grown: the ADASS Spring Survey 2024 found that more than 400,000 people were waiting for an assessment, for care to begin, or for a review of their needs at the time of the survey — with the 2025 survey confirming that this backlog remains significant.³ Families who wait for a council-arranged care package to come through often find both the options and the timeline fall short of what they need. Understanding what care costs — and what funding routes are available — is the first step to making a realistic plan rather than a reactive one.

Home care agencies and platforms can provide carers to assist with personal care, meal preparation, medication reminders, light housework, and companionship — for as little as a few hours a week. PrimeCarers is a UK-wide platform that connects families directly with vetted, self-employed private carers — all DBS checked and interviewed — giving you more say over who you choose and often at a lower cost than a traditional agency. When using any service, look for carers registered with the Care Quality Commission (CQC), whose inspection reports are publicly available at cqc.org.uk, and ask for consistency of staff where possible — your loved one will benefit from seeing familiar faces.

NHS continuing healthcare may cover care costs entirely if your loved one has a primary health need. Ask your GP or district nurse whether a continuing healthcare assessment would be appropriate.

Direct payments allow your loved one (or you as their carer, in some circumstances) to receive a cash sum from the local council to arrange care independently, rather than accepting council-arranged services. This gives more flexibility over who provides care and when.

Respite care — whether at home, in a day centre, or in a residential setting for a short period — is specifically designed to give carers a break. It is not a last resort. It is a recognised part of sustainable caring, and your local council may contribute to or fully fund it following a carer’s assessment.

For help navigating these options, Carers UK (0808 808 7777, free, Monday to Friday 9am–6pm including Bank Holidays) and Carers Trust can both connect you with local services and explain what you may be entitled to.

3. Technology that can give you peace of mind while you’re at work

One of the most persistent anxieties for working carers is not knowing what is happening at home while they are away. A set of relatively simple and affordable technologies can meaningfully reduce that anxiety — and in some cases genuinely improve safety.

The risks that drive this anxiety are well documented. Falls are the leading cause of hospital admissions in older people in the UK, according to the NHS national clinical director for older people — resulting in more than 250,000 hospital admissions among over-65s every year and costing the NHS an estimated £2.3 billion annually. More than one in three people over 65 fall at least once a year, and around one in five hip fractures is the primary reason a person loses their independence and moves into long-term care.¹ Medication errors are a separate but equally persistent concern: research commissioned by the University of Sheffield estimated that 237 million medication errors occur at some point in the medication process in England every year, with older people at particular risk due to multiple conditions and multiple prescriptions.² These are not remote risks. They are the daily backdrop of caring for someone living alone with a health condition — and they are the problems that the right technology directly addresses.

There is a practical dimension worth noting here. While internet use among over-75s has climbed to 83%, one in five people aged over 65 still has no internet access at home, and many of those who do go online use only a narrow range of functions, according to Ofcom’s Media Use and Attitudes 2025 report.³ This matters because the most useful technologies for working carers are not the most digitally complex ones. They are the ones designed to work reliably for someone who may have limited experience with devices — and that simplicity is precisely what makes them effective at reducing carer anxiety during the working day.

Medication management: Missing or doubling medications is one of the most common and serious risks for people living alone with a health condition. Automatic medication dispensers with built-in alarms and locking drawers mean your loved one takes the right tablets at the right time — and some models send an alert to your phone if a dose is missed. These are available from several UK suppliers and pharmacies, and some local authorities include them in assistive technology schemes.

Simple mobile phones: If your loved one struggles with a modern smartphone, a dedicated big-button phone can make all the difference. TTFone makes a range of easy-to-use mobile phones designed specifically for elderly and disabled users — large tactile buttons, clear high-contrast screens, loud volume, and straightforward calling without the confusion of apps or notifications. Some models include a dedicated SOS emergency button for added peace of mind.

Smart speakers and voice assistants: Devices such as the Amazon Echo or Google Nest allow your loved one to make calls, set reminders, and even contact you hands-free — without needing to navigate a phone. For people with limited mobility or dexterity, this can provide a meaningful degree of independence and connection.

Video doorbells: A video doorbell allows you to see and speak to anyone at your loved one’s door from your phone, wherever you are. This is particularly useful for people who struggle to get to the door quickly, or who may be vulnerable to doorstep callers.

Smart home sensors and falls detection: Motion sensors that send an alert if there has been no activity in the kitchen by a certain time, or dedicated falls detection devices worn as a pendant or wristband, are increasingly affordable and widely available in the UK. The Careline and Lifeline alarm services are long-established providers, and many local councils operate their own community alarm schemes at low cost.

Telecare through the NHS and local councils: It is worth asking your local council or GP surgery about telecare packages — these often bundle several assistive technologies together and may be partially or fully funded following an assessment.

Technology is not a substitute for human care. But used thoughtfully, it can extend the hours between visits, reduce anxiety during the working day, and help your loved one maintain independence for longer.

4. Your rights at work — what the law gives you

Many working carers are not aware of the legal protections they have — and as a result, they either struggle in silence or make decisions about work without understanding their full options. The landscape changed significantly in late 2025, when the Employment Rights Act 2025 received Royal Assent in December — the most significant overhaul of UK employment law in a generation. Some of its provisions are already in force; others are being phased in through 2026 and beyond.

The right to request flexible working has applied from an employee’s first day since April 2024, and the Employment Rights Act 2025 strengthens this further by tightening the rules on employer refusals. You can request a change to your hours, your working pattern, or your location. Your employer must consider the request seriously and has two months to respond. They are not required to agree, but they must have a recognised business reason for refusing. Flexible arrangements — compressed hours, later starts, remote working on certain days — can make a profound difference to the manageability of a caring role.

The need is clear and the data bears it out. Carers UK’s State of Caring 2025 survey found that 69% of carers who are employees say they have not been able to focus on their career as much as they would like, and 61% say caring has affected the type of employment they have taken on — with one in five having moved to a lower paid or more junior role to fit around their responsibilities.⁵ Separate Carers UK polling for Carers Week 2025 found that 40% of working carers say they need more flexibility at work — yet most have never formally requested it, and many do not know they have the legal right to do so.⁶ These are not the numbers of people who are coping. They are the numbers of people who have not yet been told what they can ask for.

Carer’s Leave gives employees the right to take up to five days of unpaid leave per year for caring responsibilities, available from the first day of employment under the Carer’s Leave Act 2023 (in force since April 2024). You do not need to provide evidence of your caring role, and you can take the leave in individual days or half-days. It is a minimum — your employer may offer more, and some already do offer paid carer’s leave voluntarily.

Important: this leave is currently unpaid as a statutory baseline. Carers UK’s research found that half of working carers are unable to take the leave because they cannot afford to go without pay. The government has committed to reviewing the case for paid carer’s leave, and Carers UK is actively campaigning for five days of statutory paid leave. This is an area to watch — but for now, unpaid is the legal minimum.

Emergency dependants leave is a separate right covering unexpected situations involving a dependant — such as a sudden deterioration in your loved one’s condition or a breakdown in care arrangements. It is unpaid by default and is intended for short-term emergencies rather than planned absence.

Discrimination protection: Carers are not a protected characteristic under the Equality Act 2010 in themselves — but discrimination based on your association with a disabled person is unlawful. If you are treated less favourably at work because of your caring responsibilities for a disabled loved one, you may have legal grounds for a complaint. Citizens Advice can help you assess whether this applies to your situation.

Telling your employer you are a carer is a decision only you can make. Many carers worry it will affect how they are seen professionally. In practice, employers who are made aware often find it easier to make practical adjustments — and many have dedicated carer policies or Employee Assistance Programmes with additional support. Carers UK publishes guidance on how to approach this conversation.

5. If you claim Carer’s Allowance while working — one critical rule

If you receive Carer’s Allowance alongside your employment, there is one rule you cannot afford to overlook.

The earnings limit for Carer’s Allowance in 2026/27 is £204.00 per week after allowable deductions. Go one penny over that limit in any given week and you lose the entire £86.45 for that week — not just the excess. There is no taper. This is sometimes called the cliff edge, and it catches working carers out every year.

A small pay rise, a single shift of overtime, or a bank holiday worked can push you over without warning. By February 2025, nearly 144,000 carers had outstanding overpayment debts totalling around £251 million — a 71% rise in cases over six years — according to parliamentary data published by the DWP.⁷ In many cases, carers were not told about the overpayment until years later, when large sums had accumulated. The independent Sayce Review, published in November 2025, concluded that this was a systemic failure — not a failure by individual carers — and the DWP has accepted that finding. From April 2026, the DWP began reassessing over 200,000 cases covering the period from April 2015 to September 2025, with around 25,000 carers expected to have their debts reduced, cancelled, or refunded.⁸

The free CarersInfo Threshold Checker calculates your position in under a minute, adjusting for income tax, National Insurance, pension contributions, and care costs. It also lets you log your earnings week by week, building a record that is invaluable if the DWP ever raises a query.

→ Check your earnings against the Carer’s Allowance limit — free Threshold Checker at CarersInfo

6. Looking after yourself is not optional

There is a version of this section that lists stress management techniques and reminds you to eat well and exercise. That version is not wrong, but it misses the more important point.

The Carers UK State of Caring 2025 survey found that 74% of carers feel stressed or anxious, 42% say their physical health has worsened since they began caring, and 49% have cut back on essentials such as food and heating. These are not the numbers of people who are coping. They are the numbers of people who are absorbing the cost of caring in their own bodies and bank accounts, because no one has told them there is another way.

The evidence for a widening health gap between carers and the rest of the population is now measurable at a national level. The GP Patient Survey 2025 found that 72% of carers have a physical or mental health condition or illness expected to last 12 months or more — compared to 61% of non-carers — and that this gap has been growing year on year.⁹ Research for Carers Week 2025, based on a poll of over 2,000 members of the public, found that 48% of current carers have seen a mental or physical health condition develop or worsen since they began caring. Perhaps most telling of all: 40% of current carers have postponed or cancelled their own medical appointments because of their caring role — not because they do not care about their health, but because the time, the flexibility, and the support needed to attend were simply not there.¹⁰ That is not selflessness. It is a system that has not given carers enough support to look after themselves.

Working carers who sustain their roles long-term are not the ones who somehow manage not to get tired. They are the ones who have accepted that their own health is not a luxury to be attended to after everything else is done. It is a prerequisite for everything else continuing.

Your GP can refer you to a carer support worker in many areas. Your employer’s Employee Assistance Programme, if they have one, typically includes free confidential counselling. Carers UK’s online forum and helpline are available when the feelings that come with a caring role — the resentment, the loneliness, the grief while someone is still alive — become too heavy to carry alone.

You are not supposed to do this alone

The working carer who is managing perfectly, without support, without difficulty, without cost to themselves — that person does not exist. What does exist are carers who have found a combination of practical support, professional help, and honest self-awareness that makes their situation more sustainable.

Start with one thing on this list. A carer’s assessment. A conversation with your employer. A call to Carers UK on 0808 808 7777. A check of your Carer’s Allowance position. One thing is enough for today.

You are already doing more than most people will ever understand. Let some of it be shared.

→ Access all CarersInfo Practical Support guides — free in the dashboard

© CarersInfo 2026. This post provides general information and is not a substitute for professional legal, benefits, or social care advice. Statistics from Carers UK State of Caring 2025, Carers UK Key Facts and Figures, Carers Week 2025 Caring About Equality report, GP Patient Survey 2025 (NHS England), Homecare Association Minimum Price for Homecare 2025–26, ADASS Spring Survey 2024, Ofcom Adults’ Media Use and Attitudes Report 2025, NHS/NICE falls guidelines (April 2025), University of Sheffield medication error research, and DWP/Sayce Review Carer’s Allowance overpayment data (November 2025). Employment rights information reflects the Employment Rights Act 2025 and is correct as of May 2026; provisions are being phased in and some may change. For personal advice on your situation, contact Carers UK (0808 808 7777, Monday to Friday 9am–6pm), Citizens Advice, or your local council’s adult social care team.

Sources
1. NICE (April 2025). New guideline will help cut falls and related hospital admissions for older and at-risk people. National Institute for Health and Care Excellence.
2. University of Sheffield / University of Manchester (2018). More than 200 million medication errors occur in NHS per year. University of Manchester News.
3. ADASS (July 2024). ADASS Spring Survey 2024. Association of Directors of Adult Social Services.
4. Ofcom (May 2025). Adults’ Media Use and Attitudes Report 2025. Ofcom.
5. Carers UK. Key facts and figures. Carers UK (includes State of Caring 2025 employment data).
6. Carers UK (June 2025). Unpaid carers in employment need further support to improve their health and wellbeing. Carers Week 2025 polling.
7. MoneySavingExpert (November 2025). Carer’s Allowance: 10,000s set to have outrageous overpayment debts wiped or reduced. MoneySavingExpert.com.
8. ThinkMoney (2026). Carer’s Allowance overpayments: thousands of debts are being cancelled. ThinkMoney.
9. Carers UK (2025). The GP Patient Survey 2025: A widening health gap for unpaid carers. Carers UK press release.
10. Carers UK (June 2025). Nearly half of UK adults with caring responsibilities say their health has been impacted since caring. Carers Week 2025 research.

Affiliate disclosure: This post contains affiliate links to PrimeCarers and TTFone. I may receive a commission if you make a purchase or sign up via these links. There is no additional cost to you. Affiliate relationships do not influence the information or recommendations in this post.