ni protected family element

jbaugh

hi

I just spoke to the ni/excise dept and she says at the birth of my first son in 1999 my ni contrbutions were protected for i think she said 19 yrs yet last year i had a letter saying i owed 110.00 to bring my ni up to date...she says ignore it its free choice if i pay its automatically generated and that my ni is automatically granted to me until my children are oldre i think she called it the home element ...

does anyone know about this

jo

Scarlett1

I had to fill out a form, Im claiming child benefit for my daughter so have mine protected

Spendless

Scarlett1 wrote:

I had to fill out a form, Im claiming child benefit for my daughter so have mine protected

what form did you have to fill out Scarlett? When I get mine it says somewhere on it you have HRP (Home Responsibilities Protection, which you get if you claim CB in your name) for these years, so I've always assummed I didn't need to do anything else

jbaugh

spendless

that must be it if

your claiming cb then you dont have to pay anymore until cb stops the lady i spoke to at the revenue says i ned do no more until the end of cb or return back to work

seven-day-weekend

Home Responsibilities Protection is granted to someone who does not earn enough to pay NI Contribution and receives Child Benefit or (I think) Carer's Allowance . It reduces the time you need to qualify for a full State Pension.

In my case, I have 13 years of HRP meaning I only need 26 years of paid contributions instead of 39 to entitle me to a full State Pension.

There is a move afoot to reduce the amount of qualifying years needed to 30. I don't know whether theis will effect the status of HRP.

clairec79

You do need to be claiming child benefit for the full tax year to get it though, so if your first baby is born end of April then you don't get it for that year (or if your youngest leaves school in March then you don't get that year either

Spendless

clairec79 wrote:

You do need to be claiming child benefit for the full tax year to get it though, so if your first baby is born end of April then you don't get it for that year (or if your youngest leaves school in March then you don't get that year either

I can see that making a difference if prior to having 1st you are a housewife or maybe working PT, (but then wouldn't you be contacted to ask what you're doing about your NI as per the letter the OP got) but for anyone working enough hours to pay NI or on benefits can't see why that would make any difference eg I worked FT before having eldest so my NI was from my job, and when that stopped I was covered via CB. Not sure about when they leave school, cos if you have younger kids you will still be covered by CB. It's only when your youngst leaves that you'd come across this, but I'm guessing it's assummed most peope are back at work by then?? Or am I missing something

CIS

You do need to be claiming child benefit for the full tax year to get it though, so if your first baby is born end of April then you don't get it for that year (or if your youngest leaves school in March then you don't get that year either

You can actually get it backdated to the start of the tax year you claim in, i believe it changed several years ago.

Where a child is born shortly before the end of a tax year, the conditions for entitlement to Child Benefit may be satisfied from the beginning of the tax year but Child Benefit does not first become payable until the first Monday of that tax year. See Sections 141 - 147 of the SSCBA 1992. For HRP purposes, Child Benefit is treated as if it were payable from the beginning of the tax year otherwise the customer would not be entitled to HRP for that year.

Scarlett1

Spendless wrote:

what form did you have to fill out Scarlett? When I get mine it says somewhere on it you have HRP (Home Responsibilities Protection, which you get if you claim CB in your name) for these years, so I've always assummed I didn't need to do anything else

yes thats the form I filled in, I didnt know I had to do it until the IR wrote to me

Spendless

Scarlett1 wrote:

yes thats the form I filled in, I didnt know I had to do it until the IR wrote to me

I've just dug out my letter it says (roughly) our records show you have not paid enough NI for the tax years ****/**** etc then goes onto say your records show you have HRP for these years. Nothing about having to fill out a form I didn't realise there was even one enclosed till I dug the letter out to make this post so do I have to fill it out or not-anyone know?

Scarlett1

Spendless wrote:

I've just dug out my letter it says (roughly) our records show you have not paid enough NI for the tax years ****/**** etc then goes onto say your records show you have HRP for these years. Nothing about having to fill out a form I didn't realise there was even one enclosed till I dug the letter out to make this post so do I have to fill it out or not-anyone know?

that looks like its been acknowledged that you have HRP and dont need to do anything else. Just looked at my letter and it told me I had a shortfall from 6th april**** - 5th april the following year, so I rang them and told them I wasnt working as I had just had a baby on the 6th april, and the guy said that I could claim HRP if I was claiming CB and sent me a form to fill in