If you’re missing Home Responsibilities Protection (HRP) from your National Insurance record, it could be affecting your State Pension.
Home Responsibilities Protection (HRP) was a scheme to help protect parents’ and carers’ State Pension eligibility. National Insurance credits replaced HRP in 2010.
Those who qualified would have received HRP automatically if between 6 April 1978 and 5 April 2010 they were claiming:
- Child Benefit for a child under 16
- Income Support because they were looking after a sick or disabled person and were not available for work
If there are missing qualifying years in the National Insurance (NI) record, then they will need to apply for HRP..
You can also apply if, for a full tax year between 2003 and 2010, they were either:
- a foster carer
- caring for a friend or family member’s child (‘kinship carer’) in Scotland
Any HRP for full tax years before 6th April 2010 was automatically converted into National Insurance credits up to a maximum of 22 qualifying years.
To get a full basic State Pension a woman needed 39 qualifying years and a man 44 qualifying years.
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PAYadvice.UK 10/11/2024