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If you or someone you know claimed family allowance (child benefits) between 1978 - 2000 you may be owed up to £7,800.
You Might Be Eligible For A £7,800 Home Responsibility Protection Claim
What is Home Responsibilities Protection (HRP)?
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.
Who Qualifies for HRP?
You may qualify for HRP if:
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 a foster carer registered with a local authority
You were a guardian responsible for a child who was not your own
You were in another caring role that prevented you from working full-time and
paying National Insurance contributions
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.
How Much Could You Be Owed ?
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.
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Successful HRP claims can result in refunds ranging from £2,000 to £7,800 depending on the number of missing years.
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Each missing year of HRP could increase a person’s weekly State Pension by approximately £5 per week, adding up to significant amounts over time.
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Some individuals may also be entitled to a lump sum payment of backdated pension money.
Case Study
How HRP Changed One Woman’s Retirement
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.”
How Evanshaw Limited Can Help
At Evanshaw Limited, we specialize in identifying and reclaiming missing HRP credits, ensuring that your National Insurance record is corrected. Our process includes:
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Eligibility Check: Reviewing your NI record to identify any missing HRP years.
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Application Support: Preparing and submitting claims directly to HMRC.
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Liaising with HMRC: Handling all correspondence and ensuring claims are processed efficiently.
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Ongoing Updates: Keeping you informed at every stage of your claim.
Why Choose Evanshaw Limited?
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Expertise & Experience: Our team has extensive knowledge of HRP claims and
HMRC processes. -
No Hassle Service: We take care of the entire claim process so you don’t have to.
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Maximizing Your Pension: We ensure you reclaim all credits you are entitled to,
securing your financial future.