Check whether missing Home Responsibilities Protection (HRP) credits may have reduced your State Pension and whether you could be due backdated arrears.
Check My HRP Eligibility Learn More About HRP*Amounts vary depending on individual circumstances and are not guaranteed.
How can we help you
Home Responsibilities Protection (HRP) was a scheme designed to protect the National Insurance records of people who spent time caring for children or disabled persons while not earning enough to pay National Insurance 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 can mean that thousands of people are receiving less State Pension than they should. At Evanshaw Limited, we help people check for missing HRP credits and guide them through the process of making a claim for any State Pension underpayments they may be due.
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 may be 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 National Insurance 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 do not realise that HRP was not always applied automatically, especially where Child Benefit was not registered in the correct name. As a result, thousands of people, particularly women, may have gaps in their National Insurance record that have led to lower State Pension payments.
It is estimated that over 210,000 people may be affected by missing HRP credits.
•Successful HRP claims can result in backdated State Pension arrears, and sometimes linked Pension Credit arrears, ranging from £2,000 to £8,377 depending on the number of missing years and individual circumstances.
•Each missing year of HRP may increase a person’s weekly State Pension by approximately £5 per week, which can add up significantly over time.
•Some individuals may also be entitled to a lump sum payment of backdated pension money.
•This HRP claim service helps you check whether you may be entitled to State Pension underpayments of up to £8,377. Individual outcomes vary and are not guaranteed.
•Any State Pension arrears identified are paid by the Department for Work and Pensions directly to you, not to Evanshaw.
These common questions can help you understand how Home Responsibilities Protection may affect your State Pension.
Home Responsibilities Protection, usually called HRP, was a scheme that helped protect the National Insurance records of people who spent time caring for children or disabled people. It reduced the number of qualifying years needed for a full State Pension.
You may be able to claim if you received Child Benefit for a child under 16 before 2010, cared for someone for a substantial number of hours each week, or had another eligible caring role that affected your National Insurance contributions.
Yes. HRP applied up to April 2010. After that, it was replaced by National Insurance credits. Missing HRP years before 2010 can still affect your State Pension entitlement today.
It depends on your personal circumstances, including how many qualifying years are missing from your National Insurance record. Some people may receive higher weekly pension payments and in some cases a lump sum of backdated arrears.
The easiest first step is to complete a quick eligibility check. This can help determine whether you may have a valid HRP claim and whether it is worth reviewing your National Insurance record in more detail.
