Help Please, Home Responsibilities Protection question

molerat

jamesd wrote: »

We need the full details, the part which lists each year and its status. Much of it will be lines like this:

2005-06 Year is not full

View 2005-06 details then showing: You did not make any contributions this year. It's too late to pay for this year.

or

1998-99 Full year

It's clear that you can buy at least 6 years to get you to 29 years and another 6/35*£168.60 = £28.90 a week, £1502.80 a year. But not yet clear that you need to.

But it's not clear what happened with HRP and we really need the extra details. It's possible that HRP isn't properly included in your forecast. No point in thinking about buying years until it's certain that the starting point is right.

Further to this it could also state something like :
Full Year
You have contributions from
Paid employment : £100.23
National Insurance credits : 20 weeks
Voluntary : 15 weeks


Home Responsibilities Protection would be covered by National Insurance credits. HRP is not an additional sum, it covers the actual years you were receiving the CB. If you were working and paying NI you have effectively paid double for that year with no extra benefit towards your SP.

badmemory

Could the "married women's stamp" be an issue here?

xylophone

Could the "married women's stamp" be an issue here?

From link referenced above (which OP says she has seen)


https://www.gov.uk/home-responsibilities-protection-hrp/eligibility

You could not 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

The OP has not mentioned ever having paid the reduced rate.

linclass

jamesd wrote: »

We need the full details, the part which lists each year and its status. Much of it will be lines like this:

2005-06 Year is not full

View 2005-06 details then showing: You did not make any contributions this year. It's too late to pay for this year.

or

1998-99 Full year
.

Thanks jamesd, well I can't look again at the moment, but although many people can afford to pay upwards of £5k to increase pension I certainly can't! Even the person i spoke with at HMRC seemed to think I would receive HRP. Did I mention, when looking at my record they had NO MENTION that I had children? Amazing...

JGB1955

Could it depend upon which parent claimed Child Benefit?

xylophone

You worked outside the home from age 23 to age 48, (1977- 2002) a total of 25 years.

If you were earning enough to pay NI between 1977 and 1988, then HRP is irrelevant. If not, then a credit may have been given for those years.

It seems that only 20 of your 25 years of working life are "full" - perhaps you did not earn enough in some of your post CB years to either pay NI or be credited with NI.

How much is your forecast SP?

linclass

xylophone wrote: »

You worked outside the home from age 23 to age 48, (1977- 2002) a total of 25 years.

If you were earning enough to pay NI between 1977 and 1988, then HRP is irrelevant. If not, then a credit may have been given for those years.

It seems that only 20 of your 25 years of working life are "full" - perhaps you did not earn enough in some of your post CB years to either pay NI or be credited with NI.

How much is your forecast SP?

Morning, these are the figures in full on the Gov.UK forecast:

No record to April 1975
1976 to 1980/81: NOT full
1981/82: FULL Year
1982/83: NOT Full
1983 to 2001/02: ALL Years full
2002 to 2007/08: NOT full
2008/09: FULL Year
2009 to now: NOT Full

It states: 23 years FULL contributions
1 year to contribute before April 2019
20 years when you did not contribute enough

It then states:
Estimate based on your NI record to 5 April 2018: £ 110.87 p/w

Forecast if you contribute until 5 April 2019: £ 115.65 p/w

I paid reduced NI stamp from 1975 to 11981.
I paid full NI stamp from 1981/82.

Does this help?

thanks

nigelbb

Isn't there a line somewhere that states the maximum pension you could get?

You should be able to purchase up to ten added years although you may not need all of them to reach maximum pension.

linclass

nigelbb wrote: »

Isn't there a line somewhere that states the maximum pension you could get?

You should be able to purchase up to ten added years although you may not need all of them to reach maximum pension.

Nigel.
Yes, I could purchase years, but as it's in excess of £5k, I am not in a position to do that. The max would increase the pension to £154 p/w.

If I qualify for HRP then I would like that. I HAVE NEVER claimed a penny for anything, and if it's available, then I would like to take advantage of it.

Thanks

bluenose1

HRP is a credit towards your State Pension so should have already been included in your State Pension calculation automatically. Unfortunately there is no HRP actual amount to claim.
It is unfortunate that you cannot afford the £5K as your State Pension will be £110.87 per week whereas it could be £154 per week. A reduction of £2,242 per year.

Though thinking about it depending on any other income you may qualify for Pension Credit.
For example if you are single and of State Pension age Pension Credit tops up your income to £167.25 per week. So you could just claim the lower amount State Pension and it would be topped up to £167.25.
Would be worth looking at the Pension credit calculator to check entitlement.