Social Security Caregiver Credit Act of 2023

HR 3729, the Social Security Caregiver Credit Act of 2023, would allow unpaid family caregivers to count their caregiving hours toward Social Security retirement credits. It defines "qualifying months" as 80+ hours monthly providing unpaid care to a dependent child under 12 or a chronically dependent adult (requiring daily help with basic activities like bathing or meal prep). For these months, caregivers would be deemed to have earned 50% of the national average wage index (or the difference if they had some income), boosting their future Social Security benefits. This applies only to the last 60 qualifying months before retirement, excludes caregivers after retirement age, and requires medical documentation for non-child dependents.