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Home Responsibilities Protection (HRP)

Check if you may be eligible for additional National Insurance credits.

We assess your circumstances to determine whether you may qualify for Home Responsibilities Protection (HRP), which can impact your State Pension.

Eligibility and outcomes depend on individual circumstances.
No-obligation eligibility assessment
Based on your individual circumstances
No claim submitted without your signed authorisation
Background

What is Home Responsibilities Protection?

Home Responsibilities Protection (HRP) was designed to protect your State Pension if you were unable to work due to caring responsibilities. It applied between 1978 and 2010, and was replaced by National Insurance credits through Child Benefit.

Eligibility is based on specific criteria, including periods where you were receiving Child Benefit and not paying National Insurance contributions.

Often affects parents and carers

If you took time away from work to look after children or a dependant, your National Insurance record may have gaps that reduce your State Pension.

May result in a reduced pension

Missing HRP credits can mean you receive less than you are entitled to when you reach State Pension age.

Can sometimes be corrected

In many cases it is possible to apply retrospectively for HRP credits to be added to your National Insurance record.

Eligibility

Who may be eligible?

You may be eligible for missing HRP credits if any of the following apply to you.

You claimed Child Benefit before 2010
You were a parent or carer and not working
Your National Insurance record may have gaps
Your State Pension forecast appears lower than expected
Our process

How our process works

A straightforward, transparent process where you stay informed and in control throughout.

1

Provide your details

Complete our short eligibility form with some basic information about your circumstances.

2

We assess your eligibility

Our team reviews your details to determine whether you may have missing HRP credits.

3

We prepare documentation

If applicable, we prepare the necessary paperwork on your behalf.

4

You review and sign

Nothing is submitted without your review and authorisation. You remain in control at every stage.

We assess your eligibility based on the information you provide. If you may be eligible, we will prepare documentation for your review. No claim will be submitted to HMRC without your explicit approval and signed authorisation.

Trust

Our commitment to you

All claims are subject to eligibility checks
We do not submit claims without your approval
You will always have the opportunity to review documentation before proceeding
Your information is handled securely and in accordance with data protection regulations

Ready to check your eligibility?

Find out if you may qualify for additional National Insurance credits based on your individual circumstances.