Home responsibilities protection question

Tilliebet

I hope this is the right place for this.

I've been a 'stay at home mum' for nearly 6 years now and my youngest child 18 months old. I've been told (rightly or wrongly) that I don't need to be worried that I'm not paying into a pension at this time as the government will be doing 'something' until the tax year after my daughter turns 7 so the little I could put into a stakeholder would leave me worse off - we've just been putting what we can into hubby's pension instead. My first question is, is this true?

The second part is that I've been offered a job, it's not a big job in fact I'll be earning about £2400 a year so not enough to pay NI or tax (I believe) but I'm a bit concerned this will 'opt me out of' this home responsibilities protection and leave me worse off in the long run. Can anyone advise?

Thanks a lot in advance.

Paul_Varjak

There is some information on Home Resonsibilities Protection here:

http://www.thepensionservice.gov.uk/atoz/atozdetailed/homeres.asp

CIS

you can get HRP for each complete tax yr between the aprilafter the birth and april before 16th birthday (15yrs).

Until the child is 6 ie 5 tax yrs,you get an extra topup given to give you extra entitlement to State Second pension (paid on top of basic state pension).

Earning £2400 wont need payment of tax and NI and you will still receive your HRP.