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.
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, leading to reduced State Pensions. Many individuals could be missing out on thousands of pounds in pension payments.
Case Study
Margaret, a 67-year-old mother from Birmingham, discovered she had missing HRP years after contacting Evanshaw Limited. She had cared for her children full-time in the 1980s and received Child Benefit, but because her Child Benefit was registered in her husband’s name, her National Insurance record was incomplete. This resulted in a lower State Pension.
After our team reviewed her case and submitted a claim, Margaret was awarded £7,500 in backdated pension payments, increasing her weekly pension by £30.
Margaret said, “I had no idea I was missing out on so much money. Evanshaw Limited made the process easy, and I’m now receiving the full pension I should have had all along.”
