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Initial assessment
Answer questions covering your National Insurance history, caring responsibilities, age and relationship history.
Over 300,000 UK pensioners may be owed £8,377+ in underpaid State Pension. Are You One Of Them?
Check if you are one of the thousands of people who are not receiving the correct State Pension and are due a backdated refund.
Check now- 60 Second Online Form
- Free Eligibility Check
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Why might your State Pension be incorrect?
Your State Pension may be incorrect if important National Insurance or pension information was missed, or if an older rule was not applied properly.
This may relate to missing HRP or NI credits, caring responsibilities, marriage, bereavement, divorce, or mistakes in older records.
A review can help find out if your State Pension was worked out correctly and whether you may be owed any money. You could be affected because of your age, your family circumstances, your caring responsibilities, or an issue with older records.
National Insurance history
Missing contributions, credits or historic record errors may affect your pension.
Relationship history
Marriage, civil partnership, bereavement or divorce may be relevant under older rules.
Age and older pension rules
Some age-related or historic State Pension rules may need checking.
300,000
UK pensioners may be affected by State Pension underpayments, with some cases involving thousands of pounds in backdated arrears.
Check nowDWP management information reported average arrears of £8,377 where an HRP underpayment was identified. This is not a typical or guaranteed payment. Individual outcomes vary.
There is no single cause of every State Pension underpayment
Your personal history may indicate one or several areas that are worth examining.
Historic National Insurance records, missing HRP or caring credits, relationship changes, bereavement, divorce and age-related rules may all affect entitlement.
The correct checks depend on your dates, circumstances, contribution history and the State Pension rules that apply to you.
Areas that may matter
- Caring and HRP Missing Home Responsibilities Protection or caring credits may leave gaps in a National Insurance record.
- Relationships Marriage, civil partnership, bereavement or divorce may be relevant under older State Pension rules.
- Age and historic records Over-80 rules, missing contributions and administrative errors may need checking where relevant.
Four simple steps to understand what may apply
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Circumstances reviewed
Your answers are reviewed to identify which State Pension entitlement or underpayment issues may be relevant.
03
Records considered
Further checks may be needed to confirm whether credits, contributions or another entitlement have been missed.
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Next steps explained
You are told what may apply and what further information or action may be required.
An initial assessment does not confirm entitlement. Further checks may be required, and eligibility, payment amounts and outcomes are not guaranteed.
State Pension underpayments can arise from several different circumstances
Your personal history may indicate one or several areas that are worth examining.
Missing Home Responsibilities Protection
HRP protected the State Pension records of some parents and carers between 1978 and 2010. Missing HRP may have left gaps in a National Insurance record.
Married person or civil-partner uplift
Under certain older State Pension rules, a person may be entitled to an increase based partly on the National Insurance record of a spouse or civil partner.
Widow or widower uplift
A widow, widower or surviving civil partner may be entitled to inherit part of a deceased partner's State Pension under the rules that apply to them.
Over-80 State Pension uplift
Some people aged 80 or over who receive little or no basic State Pension may qualify for an agerelated payment or uplift.
Divorce-related entitlement
Divorce, civil-partnership dissolution or pension-sharing records may be relevant to certain State Pension entitlements.
Other underpayments or record errors
Missing contributions or credits, incomplete employment records, incorrect personal details and administrative errors may also affect a pension.
What could happen if an underpayment is confirmed?
The outcome depends on the cause of the error, the dates involved and the State Pension rules that apply to the individual.
Weekly pension increase
The ongoing weekly State Pension payment may be increased where additional entitlement is confirmed.
Backdated lump sum
A backdated lump-sum payment may be made where State Pension arrears are due.
Qualifying years corrected
Missing qualifying years or National Insurance credits may be added to the relevant record.
Partner's record recognised
A spouse's, civil partner's or former partner's contribution record may be recognised where the rules allow.
Linked benefits reviewed
Other linked benefits may need to be reviewed where a corrected State Pension is relevant.
Individual outcomes vary
Eligibility, pension increases, arrears and other outcomes depend on individual circumstances and are not guaranteed.
Margaret’s HRP experience
Margaret's experience shows how missing Home Responsibilities Protection can affect a person's National Insurance record and State Pension.
Missing HRP years identified
Margaret, an 80-year-old mother, discovered that years of Home Responsibilities Protection were missing from her record after contacting Evanshaw Limited.
She had cared for her children full-time during the 1980s and received Child Benefit, but her National Insurance record was incomplete.
Her records were reviewed
Our team reviewed Margaret's case and identified missing qualifying years on her National Insurance statement.
We progressed her claim and kept her informed throughout the process.
A straightforward process
Margaret said, “I had no idea I was potentially missing qualifying years. Evanshaw Limited made the process easy and simple — I recommend everyone to give them a try!”
This case study reflects one customer's individual circumstances. Eligibility, payment amounts and outcomes vary and are not guaranteed.
Frequently asked questions
These answers explain common reasons why a State Pension may need to be checked.
State Pension underpayments can happen where historic records are incomplete, an automatic increase was missed, or rules linked to caring, marriage, civil partnership, bereavement, divorce or age may not have been applied.
Yes. Home Responsibilities Protection, usually called HRP, protected the State Pension records of some parents and carers between 1978 and 2010. Missing HRP may leave gaps in a National Insurance record and could reduce the State Pension a person receives.
Depending on when each person reached State Pension age and the rules that apply, a married person or civil partner may be entitled to an increase based partly on their partner's National Insurance record.
Some widows, widowers and surviving civil partners may be able to inherit part of a deceased partner's State Pension entitlement. The amount and eligibility depend on individual dates, contribution records and the State Pension rules that apply.
Some people aged 80 or over who receive little or no basic State Pension may qualify for an age-related State Pension payment or uplift. Eligibility depends on factors including age, residence and the pension rules that apply.
Divorce or civil-partnership dissolution may affect certain State Pension entitlements, including where a pension-sharing order was made. A review may help identify whether further information should be checked.
Other potential causes may include missing NI contributions or credits, incomplete employment or selfemployment records, incorrect personal details, historic administrative errors or older entitlements that need checking.
You can begin with an initial assessment covering NI history, caring responsibilities, relationship history, bereavement, divorce, age and your current State Pension. Further checks may then be needed.