Social Security Credit for Unpaid Caregivers of Dependent Relatives.
This Act allows unpaid caregivers to receive "deemed wages" for up to five years (60 months) of service, boosting their future Social Security retirement benefits. The credit applies to individuals providing at least 80 hours of monthly care to children under 12 or chronically dependent relatives. This measure aims to provide vital retirement security for those who sacrifice professional careers to fulfill essential family caregiving duties.
Key points
Unpaid caregivers can receive Social Security credit (deemed wages) for a maximum of 60 months of service, increasing their future retirement income.
Eligibility covers care for children under 12 or chronically dependent adults requiring daily assistance with at least two basic life activities.
The deemed wage amount is set at 50% of the national average wage index for months where the caregiver had little or no actual income.
Caregivers must apply and provide documentation, including physician certification for chronically dependent relatives, to verify eligibility.
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