Some people may still be eligible for Home Responsibilities Protection (HRP). Find out what you might get and how to apply.
STATE PENSION HRP: Home Responsibilities Protection helped to protect the State Pension.
National Insurance credits have replaced HRP for parents and for carers. Likely reasons to have Home Responsibilities Protection eligibility is if:
Note: Parents and carers may get National Insurance credits from the 6th of April 2010 instead of HRP.
HRP credits earned before 6th of April 2010 got converted into National Insurance credits. There is a maximum conversion of 22 years. But, credits will only count towards the State Pension if you reached State Pension age on or after the 6th of April 2010.
The number of qualifying years on your National Insurance record determine the amount of State Pension you may get at State Pension age.
Home Responsibilities Protection worked in a different way. HRP reduced the number of qualifying years you needed to get the full basic State Pension.
This applied to those who reached State Pension age before the 6th of April 2010. But, it could only reduce the qualifying years needed to twenty (20) to get the full basic State Pension.
An Example: A woman reaching State Pension age before the 6th of April 2010 usually needed 39 qualifying years to get the full basic State Pension.
Let's say she had 10 full years of HRP. They would get deducted from 39. Thus, she would only need 29 qualifying years to get the full basic State Pension.
You might get Additional State Pension if you qualified for HRP because:
You may still qualify for Home Responsibilities Protection if:
Some people will have qualified for Home Responsibilities Protection by automatic process. Whereas, others will need to apply for HRP. It will depend on your circumstances.
As a rule, you would have qualified for HRP 'automatically' if:
You will need to apply for HRP if:
There are several circumstances where you would not usually have received HRP.
You get National Insurance credits 'automatically' if you receive the Carer's Allowance and would not usually have needed HRP.
You could not get HRP for any complete tax year if you were a married woman or a widow and:
Fill in 'National Insurance: application for Home Responsibilities Protection form CF411' to claim HRP. HMRC National Insurance helpline can also provide you with an application form.
Filling in form CF411 has another step for carers who are fostering children. You must also supply a letter given by your local council or the agency you worked for. The letter confirms you were an approved foster carer for all the full tax year.
You can claim HRP at any time if it is for years spent caring for someone with a long-term illness or disability between April 1978 and April 2002. You can still apply even if you are above State Pension age.
Note: As a rule you do not get paid any increase of State Pension that may have been due for previous years.
HRP rules changed from April 2002 onward. You must claim it within 3 years of the end of any tax year you spent caring for someone with a long-term illness or disability.
Home Responsibilities Protection got replaced for people who reach State Pension age on or after the 6th of April 2010. If you are a parent or a carer, you might get a National Insurance credit for each week in which:
From April 2010, there is no limit to the amount of credits awarded to parents and carers. This is providing they meet the qualifying rules.
What if you reach State Pension age on or after the 6th of April 2010? Complete tax years of HRP get converted into qualifying years up to a maximum of 22 years. Note that these also count towards bereavement benefits.
Home Responsibilities Protection Eligibility and Rules in the United Kingdom