Some people may have Home Responsibilities Protection (HRP) missing from their National Insurance records. This could affect their State Pension.
HRP was a scheme to help protect parents’ and carers’ entitlement to State Pension. National Insurance credits replaced HRP from 6 April 2010.
The Department for Work and Pensions (DWP) HMRC are working together to find people affected and correct their records so they receive the correct amount of State Pension.
Who may be affected?
The amount of State Pension someone gets is based on their National Insurance record and the number of ‘qualifying years’ they have.
If someone claimed Child Benefit before May 2000 and did not provide their National Insurance Number on the claim, their National Insurance record may not show the correct number of qualifying years of HRP. This may affect their State Pension entitlement. Women in their 60s and 70s are most likely to be affected.
If someone first claimed Child Benefit after May 2000, they will not be affected do not need to contact HMRC. This is because it became mandatory in May 2000 to provide a National Insurance Number for Child Benefit claims.
Class 3 National Insurance credits for parents and carers (CPC) available from 6 April 2010 have been recorded correctly, as have partial periods of HRP.
From Autumn 2023, HMRC will start contacting people affected in phases with further instructions. If eligible, it will be possible to claim online.
More information on this topic can be found here: https://www.gov.uk/government/publications/home-responsibilities-protection-and-state-pension-entitlement/home-responsibilities-protection-correction-of-national-insurance-records-and-state-pension-entitlement