HMRC is urging anyone with kids aged 15
In a post on X, it said: "If you became a parent before May 2000, you may have Home Responsibilities Protection (HRP) missing from your National Insurance record. This could mean you're missing out on State Pension payments."
For someone with 13 missing years, who lives for another 20 years, it can be worth as much as £100,000 or more in State Pension payments.
If you became a parent before May 2000, you may have Home Responsibilities Protection (HRP) missing from your National Insurance record. This could mean you're missing out on State Pension payments.
Check if you can apply for HRP below. ⬇️https://t.co/xAqMfpngPe pic.twitter.com/JxNmBXDaqd
Home Responsibilities Protection (HRP) was given for full tax years (6 April to 5 April) between 1978 and 2010, if any of the following were true:
National Insurance credits for parents and carers replaced HRP from 6 April 2010.
Most people got HRP automatically if they were:
If your partner claimed Child Benefit instead of you, you may be able to transfer HRP from a partner you lived with if they claimed Child Benefit while you both cared for a child under 16 and they do not need the HRP.
If you reached State Pension age before 6 April 2008, you cannot transfer HRP.
If you spent at least 35 hours a week caring for someone with a long-term illness or disability between 6 April 1978 and 5 April 2002, you may also be able to claim.
They must have been getting one of the following benefits:
The benefit must have been paid for 48 weeks of each tax year on or after 6 April 1988 or every week of each tax year before 6 April 1988.
You do not need to apply for HRP if you were getting Carer's Allowance. You'll automatically get National Insurance credits and would not usually have needed HRP, but check - just to be sure.
Recommended reading:
You can also apply if, for a full tax year between 2003 and 2010, you were either:
All of the following must also be true:
You cannot get HRP for any complete tax year if you were a married woman or a widow and had chosen to pay reduced rate Class 1 National Insurance contributions as an employee (commonly known as the small stamp), or you had chosen not to pay Class 2 National Insurance contributions when self-employed
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