Unpaid Care and Cognitive Load: 7 layers beyond the hours of care


Care Load: decisions, monitoring, anticipation, information, coordination, interruption, emotion, plus the physical care tasks measured in hours.

 Unpaid care is one of the largest forms of work in modern economies, an economic fact that is too often overlooked or intentionally ignored by government policy makers, companies, and institutions; leading to untold misery and hardship for billions of people. The scale and depth of this issue is my focus in this article, which explores not just the "hours of care" but also the load.

Roughly 60 million Americans provide unpaid care for an adult family member, neighbour or friend (as estimated by the AARP in its 2026 Valuing the Invaluable report). Those caregivers provided roughly 50 billion hours of care in 2024, with an estimated economic value of $1 trillion, equivalent to the work of nearly 24 million full-time workers. (See Notes and References below for stats and sources.)

In England and Wales, the 2021 Census identified about five million people providing unpaid care. Around 1.5 million were providing 50 hours or more a week. Across the UK, research published by the Centre for Care and Carers UK estimates the economic value of unpaid care at £184 billion a year. For comparison, the combined National Health Service (NHS) budget across the four UK nations in 2021/22 was £189 billion. In economic terms, unpaid carers are providing something approaching the value of a second NHS.

To me, those are staggering numbers and they demonstrate that unpaid carers are not a marginal part of the health and social-care system. they are one of its foundations. But as a caregiver myself, I want to point out that those statistics, eye-watering as they are, don't paint the full picture.

There's more to caring than physical tasks

Attempts to quantify caring naturally gravitate towards things that can be counted: hours spent helping someone wash and dress, preparing meals, administering medication, driving to appointments, shopping, cleaning, making phone calls, or dealing with paperwork.

These are real demands, and they can be considerable. But measuring caring by hours of activity misses something important: how much of your mind the carer role occupies.

Psychologists use the term cognitive load to describe the demands placed on our limited capacity to process information, make decisions and keep things in working memory. Caring can create a particularly persistent form of cognitive load because the responsibility does not necessarily stop when a specific caring task has been completed.

A carer may spend ten minutes arranging a prescription, maybe half an hour going to collect it. But the mental work surrounding prescriptions can last much longer. Has it been ordered? When will it arrive? Are there enough tablets to last until then? Has the doctor changed anything? Does another appointment need to be made? Is the dosage correct? 

Seven care loads?

Looked at this way, caring contains several different kinds of load besides task load or "physical things that have to be done." I have made a list of seven loads that contribute to overall cognitive load and the total care burden. These are based on my lived experience as a carer and described using my partner rather than caree or person cared-for:

1. Monitoring load: keeping track of my partner's symptoms, medication, mobility, cognitive ability, mood, food, appointments, finances, changes in behaviour (acute or over time).

2. Decision load: repeatedly deciding questions around daily life, events, and circumstances, such as: is this important? does this matter? is action needed? who should I call? how urgent is this problem relative to all the others?

3. Anticipatory load: thinking ahead. Will my partner be safe tonight? What if they fall? What happens if I am ill? What needs to be arranged next week?

4. Information load: absorbing medical terminology, understanding my partner's illness, navigating health and social-care systems, understanding benefits, filling in forms and trying to distinguish reliable advice from misinformation.

5. Coordination load: dealing with clinics, doctors/GPs, hospitals, pharmacies, social services, relatives, transport, and other organisations (that rarely operate as one seamless system).

6. Interruption load: the difficulty of concentrating on my own endeavours like volunteer work, reading, hobbies or rest, when I know I might need to respond my partner's needs at any moment, sometimes urgently.

7. Emotional load: not simply worrying about my partner, but continually adjusting my own behaviour to their illness, disability, distress, cognitive state, coping level, mood, etc.

There may be other loads not covered here. Every carer-caree situation is different, for example, my 97-year-old mum has care needs that differ from my partner's. Some types of care load may overlap. However, across the board these loads are born by a cater even while nothing observable is happening.

That is why the familiar question, “How many hours a week do you spend caring?” can be surprisingly difficult to answer. If a person needs 20 minutes of assistance at 9 AM and another 20 minutes at 1PM, has the carer provided 40 minutes of care? Or have they spent more than four hours organising their day around the possibility that they may be needed? 

All of this matters because statistics influence policy. If unpaid caring is conceived primarily as a collection of tasks, then support for unpaid carers will tend to focus on quantifying, allocating, and/or reducing those tasks. That can be useful, but it is not a comprehensive strategy for addressing social care needs.

For many unpaid carers, what is needed is not simply help doing things. It is relief from having to remember, monitor, anticipate, coordinate, decide, and maintain capacity (physical, cogntive, and emotional).

While the economic statistics reveal the enormous scale of unpaid care, the concept of cognitive load helps reveal something that the statistics struggle to capture: how much of a person’s life caring can occupy even when no clock is running.

What unpaid carers/caregivers need

When we understand unpaid caregiving through the lens of these seven loads—and the macroeconomic pillars they support—the inadequacy of our current assistance for carers becomes glaringly obvious. From a UK perspective, if a local authority offers a carer three hours of "respite" by sending someone to sit with their loved one, it temporarily relieves the task and monitoring loads. But it does little for the other loads. The carer is still managing the schedule, anticipating the emergencies, and making the medical choices.

I see the unpaid carer as a load-bearing pillar of our healthcare system. If that pillar gives way, the entire structure collapses. Recognizing these seven loads is the first step toward effective support. We need community infrastructures that don't just offer to take over the physical tasks for an afternoon, but actually help shoulder the administrative, decision-making, and emotional burdens. 

We need government policies that recognize carers not as a free resource to be exploited, but as an essential workforce that requires comprehensive, multi-dimensional support. Until we stop asking "how many hours" and start asking "how many loads," we will never truly understand what it costs to care, or what carers need to survive caring.

Notes and References

Care on a global scale:
  • Hours: People around the world perform roughly 16 billion hours of unpaid care and domestic work every single day. [UN]
  • Economic value: The International Labour Organization (ILO) estimates "invisible" care labor equals an astonishing US$11 trillion globally, or about 9% of total global GDP. [ILO, UM]
  • Workforce equivalent: Unpaid labor equals the output of roughly 2 billion full-time workers receiving zero pay. [UN]
Gender Disparity:
  • Unequal share: Women and girls perform more than three-quarters of all unpaid care work worldwide. [Action Aid, 2]
    • Daily time commitment: Women spend an average of four hours and 25 minutes a day on unpaid tasks, compared to just one hour and 23 minutes for men. [ILO, Action Aid]
    • Labor market barrier: Unpaid responsibilities keep hundreds of millions of working-age women outside the paid labor force entirely. [ILO]
UK perspective
  • Over one million people have left employment to care in the past two years, equivalent to around 1,500 people every day. This is a 150% since comparable polling in 2019 when it was 600 a day. —Carers UK polling in 2026 
  • High financial worth: Research from Carers UK and the Centre for Care values unpaid care in the UK at £184.3 billion every year. [Centre for Care]
  • Millions of carers: Millions of people across the UK balance unpaid caring duties with formal employment or leave the paid workforce altogether to care for loved ones. [1]
  • One in five workers: are providing unpaid care, an estimated 6.7 million people. — (Carers UK polling in 2026)

Meanwhile in England: There is a massive amount of relatively fresh statistical data about carers in England, with year-to-year changes, in the Survey of adult carers in England 2025 to 2026. For example, 82% of carers who care for someone aged 75 or older are themselves 75 or older. (An example would be my 79-year-old cousin looking after her 102-year-old mum, or me in less than two years.)



Caring for loved ones while you work? Employer not helpful? You're not alone, help is available


Sign on a tree saying "We need your support" Caroline Klepper for making this photo available on @unsplash 🎁
Photo by Caroline Klepper @unsplash
This article is about the practical application of one particular aspect of unpaid carer policy in the UK,  something called Carer's Assessment. This can play an important part in exercising your rights as a carer in the workplace, particularly if your employer is not supportive.

More broadly, I hope this will help all unpaid carers in the UK, while also illustrating what governments in other countries, America for example, could do to support the many millions of people who make a vital, but too often undervalued, contribution to society.

Are you an unpaid carer/caregiver?

Are you looking after someone, taking care of some or all of their needs for weeks or months at a time? If you are doing this in the UK without being paid for it, for example caring for a friend or relative, you are referred to as an unpaid carer. In the US, the equivalent term is caregivers. Both terms embody the distinction between doing care work without pay. 

In America, it is estimated that between 59 and 63 million people currently provide unpaid care to an adult loved one. In the UK, there are between 5.7 million and 8.9 million unpaid carers, depending on exact criteria. I am one of them. However, although there are millions of us actively involved in the often hard work of caregiving, it is easy to feel alone. 

Every day of the week a non-trivial amount of my time and energy goes into looking after my disabled partner and elderly mother (97). And for the most part I do this work by myself. Thankfully, I don't have to hold down a job at the same time, but that's because I am in my 70s and living on a pension (there is work I would like to still be doing, but I have some health problems of my own and don't have much energy left after my care work.

There are a lot of people who work a full-time job as well as provide unpaid care, and I know from talking to some of them that not all employers are as sympathetic to carers as they should be, and easily could be, if they made an effort.

Sadly, the implications of unpaid care work are not, in my opinion, sufficiently well understood or adequately accounted for in the economic, health, and social policies of most countries. Too often that is reflected in workplaces where accommodations to support unpaid carers are not made; a short-sighted approach to effective business management. 

That said, the situation for unpaid carers appears to be considerably better in the UK than the US (and I say this as someone who is a citizen of both countries and spent roughly 35 years in each of then). What follows is a brief account of mandated support for unpaid carers in the UK workplace. 

Government Support for Unpaid Carers

In the UK, unpaid carers have several significant legal protections.

1. Carer’s Leave Act 2023 (in force since 6 April 2024)

The Carer’s Leave Act grants every UK employee the statutory right to one week of unpaid leave annually to care for dependants, that is, individuals dependent on them due long-term illness, injury, disability, or age-related care needs. Employers must accommodate a carers request to use this leave. Employers have limited ability to postpone carer’s leave requests. Harper James

This entitlement applies to employees from their first day of work, and employment rights—such as holidays and returning to their job—are protected while on leave. The person you are caring for does not have to be a relative; it can be anyone who requires care for a period of over three months due to a physical or mental illness or injury. NHS Highland

Crucially, an employer cannot require evidence proving entitlement to carer’s leave. The leave can be taken as individual days, half-days, or a full week block, but a minimum of half a working day must be used at a time. Warners Solicitors

2. Time Off for Dependants (Emergency Leave)

This is a separate, older right that covers unexpected emergencies. The right to time off for dependants came into force in December 1999 and is incorporated into the Employment Rights Act 1996 — giving employees the right to take a reasonable amount of unpaid time off for urgent family reasons. Dismissing an employee for taking this time off is automatically unfair. HR-inform

This is in addition to the new carer’s leave — the two rights sit alongside each other. Brent Council

3. Right to Request Flexible Working

Employees in England now have the right to request flexible working from day one of employment. While the employer does not have to grant the request, they do have to provide a “genuine business reason” for refusing it. This could allow you to adjust your hours or working pattern to better accommodate youe caring responsibilities. Carers Trust

4. Protection from Discrimination (Equality Act 2010)

This is a really important one. The Equality Act 2010 protects carers from direct discrimination or harassment because of their caring responsibilities; this is known as “discrimination by association.” Kingston Council

It is illegal for an employer to discriminate against someone because they are an unpaid carer. An example of discrimination would be if an employer punished an employee for taking time off to care for a dependant, but did not punish other employees for taking a similar amount of time off. Sense

Practical tips for exercising carer rights:

  • Document everything: keep a record of any criticism you receive from. your employer arising from your role as an unpaid carer.

  • Consider getting a carer's assessment: this will formalise your carer role and make it "official" (see below).

  • Formally notify your employer: let them know that you are exercising your rights under the Carer’s Leave Act, referencing your specific care obligations.

  • Check her employment contract: many employers offer more generous provisions than the statutory minimum.

  • If you receive criticism arising from your carer situation, and it persists after you have explained your situation, contact ACAS (free, confidential advice) or seek guidance from Citizens Advice or Carers UK.

The key takeaway is that criticism or adverse treatment for exercising these legal rights could potentially constitute a breach of your statutory rights or even unlawful discrimination. Your employer is on very shaky ground if they are penalising you for this.

What is a Carer’s Assessment?

A carer’s assessment is one of the best things that happened to me and the people I care for (my carees as I like to call them), and it's free. Technically speaking, carer’s assessment is a formal intervention under the Care Act 2014 through which a local authority determines whether a carer has a need for support to help them live their day-to-day life and to continue providing care. You do not need to be living with the person you are caring for. (For example, I am registered carer for my mother who lives in her own flat.)

Any carer can request an assessment and the local authority has a legal duty to carry it out (Social Care Institute for Excellence). The assessment looks at the person’s regular care duties and how the volume and nature of those duties affect their wellbeing and ability to manage the rest of their life. 

After the assessment, the local authority should offer practical, financial, or emotional support that both they and the carer feel would be beneficial (Carehome). In my case, I was immediately provided with a big slice of peace of mind and so were my carees. This took the form of a carer registration number, emergency phone number, and ID card. 

If anything happens to me — e.g. the proverbial hit by a bus scenario — someone can call the number and find out what my carees need. Arrangements for continuity of care can then be made. When I explained this to my partner she was delighted. The work of documenting her needs had been done and was available if needed.

Why carer's assessment helps with employers who are not helpful

In terms of your rights as a carers, there are several practical ways carer's assessment benefits you and the person(s) for whom you are caring:

  1. It creates an official record. The assessment formally documents your role as a carer and the needs of the person(s) beng cared for. If your employer ever challenges your absences due to caring or takes action against you due to your caregiving roleher, you have an authoritative, independent record of your caring responsibilities — not just your word.

  2. It strengthens your employment position. Under the Carer’s Leave Act 2023, you don’t technically need to prove anything to your employer, but having an assessment on record makes it significantly harder for an employer to dispute the legitimacy of your situation or claim your are misusing your rights.

  3. It may unlock practical support. The local authority must assist the carer in preparing a support plan to outline how their needs will be addressed, and must consider the support needed across a variety of areas, including practical help. This could include things like respite care, which might actually reduce the frequency of emergency absences from work. Disability Rights UK

  4. It may open financial entitlements. Depending on your circumstances, you may also be eligible for Carer’s Allowance, and the assessment process can help clarify what your are entitled to. This could include paying for help that reduces your need to take time off work.

It’s worth noting that the employment rights, including the Carer’s Leave Act and protection from discrimination, do not depend on having had a formal assessment. You have those rights regardless. The assessment is not a prerequisite, but it is very valuable supporting evidence, particularly if carer-related  issues with an employer escalate.

Added Benefits of Carer's Assessment

Once you go through the carer's assessment process your role as a carer is registered with the local authority. That is what I refer to myself as “her registered carer” when speaking to doctors and other health/social care professionals about my mum or partner. For example: “Hello, I am Stephen Cobb, Mrs. Cobb’s husband and registered carer.” 

While the term registered career does not have formal legal standing, it can be a very effective term to use. In addition, when you have completed a carer’s assessment you can refer to yourself as “her assessed carer” which does have some legal standing.

Further benefits can arise over time because some local authorities have a process for checking to see if registered carers are receiving all the assistance to which they are entitled. (For any readers who are thinking "you mean they actively try to give away taxpayer money?" the answer is yes, because unpaid carers save taxpayers billions, and helping unpaid workers to cope helps those savings to keep flowing.)

Bear in mind that not all care-related benefits are means tested. My partner was encouraged to apply for something called Attendance Allowance, a weekly sum paid to ease the financial burden of having people attend to the needs created by the medical conditions she has. She did apply and was approved without questions about her income or assets. If you are caring for someone who receives Attendance Allowance, you may be entitled to receive Carers Allowance, to help with costs associated with your care role. (I will expand on this in another post when I get time.)

How to request a Carer’s Assessment

Contact your local council’s adult social care team and ask for a Carer’s Assessment. It can be requested directly by individuals and doesn’t need a GP referral or any employer involvement. The NHS website and Carers Trust UK both have straightforward guidance on the process if she needs a starting point.

Once again, let me say that I found completing the Carer's Assessment, knowing that the information about myh partner's needs was well-documented with the local authority, along with the extent of my role in her care, was an excellent stress-relieving exercise. As a result of the process, we both carry cards that identify who to call in case of an emergency. For example, if I get knocked over by a bus, someone looking through my wallet can see that someone depends on me for support, and there is a number to call that will start the process of providing support in my absence. If my partner gets knocked over, her card means that same support process is initiated and I can be notified. She found that this greatly reduced her anxiety levels.

Unpaid carer support beyond the UK

Sadly, I have not had the time to research the availability of similar levels of support for unpaid carers and other countries. While living in America, I was not aware of anything like Carer's Assessment; however, that doesn't mean it doesn't exist. What has impressed me since moving back to the UK seven years ago is how much support there is for unpaid carers, and how many government measures have been put in place to ensure employers do the right thing when it comes to employees who have had to take on unpaid care work.