Home Responsibilities Protection / NI Credits

anmarj

iammikec wrote: »

So you can add the HRP to the 60% from her husbands contributions?

HRP before April 2010 only reduced the number of qualifying years she needed to claim a full state pensiion. Did she pay the Woman's Married Stamp before paying the full stamp? If so then that would cancel out any HRP. The HRP if any extra awarded only considers the basic pension element, depending on what they award, it could still leave her basic under 60% of her husbands or it could be over, if it takes it over the 60% then she will get that, she in effect loses the 60% but is replaceded with her own entitlement.


Married women or widows

You couldn’t get HRP for any complete tax year if you were a married woman or a widow and:

• you had chosen to pay reduced rate Class 1 National Insurance contributions as an employee (commonly known as the small stamp)
• you had chosen not to pay Class 2 National Insurance contributions when self-employed

Home Responsibilities Protection (HRP) worked by reducing the number of qualifying years you needed for the full basic State Pension if you reached State Pension age before 6 April 2010. It could only reduce the amount of qualifying years you need to 20 to get the full basic State Pension.
Example
A woman reaching State Pension age before 6 April 2010 normally needed 39 qualifying years for the full basic State Pension. If she had 10 full years of HRP these were deducted from 39. This meant that she only needed 29 qualifying years for the full basic State Pension.



so if she got to state pension age after 2010, then it may be part of the 13 years she has got

atush

iammikec wrote: »

Yes, he is still alive - only turned 65 in May.

Child Benefit was definitely in her name.

So you can add the HRP to the 60% from her husbands contributions?

No, I think HRP adds to her own contributions, So you need the statement to see hers alone and add the Approx 20 years of HRP you suppose.

If her record incl HRP isn't at 60% or more, she can claim 60% of basic on your father's contribution.

xylophone

http://www.savvywoman.co.uk/c7-pages/c7s1.php?art_id=202

A woman can claim on her husband's NI record if it is better than her own- it's "either/or".

Incidentally, regarding the HRP question, I notice that the Government guide https://www.gov.uk/home-responsibilities-protection-hrp/eligibility says

"You have to apply for HRP if you

..............think HRP is missing from your record"

iammikec

Thanks everyone.

She didn't pay reduced National Insurance and reached state pension age in May 2011, so the HRP years should have been converted into credits.

We have completed the CF411 form and will send it off tomorrow.

Her payments increased following my father in law retiring in May, so I do think that they are now paying based on the 60% of basic.

atush

Let us know what tanspires;

And in cases like these that aren't truly deferred pensions, if she is in good health and can get an increased pension instead of a lump sum when they find in her favour do find out. this is very good value instead of taking lump sums.