How can we help you
Home Responsibilities Protection (HRP) was a scheme designed to safeguard the National Insurance (NI) records of individuals who spent time caring for children or disabled persons and were not earning enough to pay NI contributions. This protection helped reduce the number of qualifying years needed for a full State Pension.
HRP was introduced in 1978 and applied to tax years up until April 2010, when it was replaced by National Insurance credits. Missing HRP credits could mean that thousands of people are receiving lower State Pensions than they should be. At Evanshaw Limited, we help individuals check and claim their missing HRP credits, ensuring they receive the pension they rightfully deserve.
At Evanshaw Limited, we are an independent firm of tax agents who act on your behalf with HMRC and the Department for Work and Pensions (DWP). We specialise in checking and correcting missed HRP-related entitlements so you can receive any State Pension underpayments you’re due.
We are not part of HMRC or DWP, and our services are completely independent of them.
You were a parent who received Child Benefit for a child under 16 (before 2010)
You were a carer looking after a sick or disabled person for at least 35 hours per week
You were in another caring role that prevented you from working full-time and paying NI contributions
You were a guardian responsible for a child who was not your own
You were a foster carer registered with a local authority
Many people are unaware that HRP was not automatically applied in all cases, particularly for women who did not have their Child Benefit registered in their own name. As a result, thousands of people – particularly women – have been left with gaps in their National Insurance record, leading to lower pensions.
It is estimated that over 210,000 people may be affected by missing HRP credits
• Successful HRP claims can result in refunds ranging from £2,000 to £7,800 depending on the number of missing years.
• Each missing year of HRP could increase a person's weekly State Pension by approximately £5 per week, adding up to significant amounts over time.
• Some individuals may also be entitled to a lump sum payment of backdated pension money.
• This Home Responsibilities Protection claim of up to £7,800 helps you claim any compensation you may be eligible for. Individual outcomes vary and are not guaranteed.
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