Home Responsibilities Protection & Reduced Stamp

nicks99

Hi
My wife is due to receive her state pension from April. Whilst at work she paid the reduced stamp but gave up work when our first child was born in December 1981. Apparently she doesn't qualify for Home Responsibility Protection (ie a credit on her NI payments for her state pension) even after she gave up work as she still had an 'election' in place - does anyone know if this is right? 

McKneff

Was family allowance in her name .
Has she applied for a pension forecast

Silvertabby

Yes, I believe it is.  Have you checked her entitlement?  If she has less than 10 years of full NI contributions in her own right, it would be worthwhile paying voluntary Class 3s to take her to at least that level.

xylophone

What exactly does her state pension forecast say? https://www.gov.uk/check-state-pension

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

https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/181235/derived-inherited-entitlement.pdf page 17.

nicks99

Thanks for the replies. Her forecast is for 25 qualifying years ,(5 full stamp and 20 HRP) but her HRP only kicks in from 1984 as apparently she was entitled to pay reduced stamp even though she ceased work in December 1981 and paid no NI contributions (either full or reduced rate) from 1972 on. True we are only talking about 2 years but it just seems a nice get out clause for state pension people.

garmeg

nicks99 said:

Thanks for the replies. Her forecast is for 25 qualifying years ,(5 full stamp and 20 HRP) but her HRP only kicks in from 1984 as apparently she was entitled to pay reduced stamp even though she ceased work in December 1981 and paid no NI contributions (either full or reduced rate) from 1972 on. True we are only talking about 2 years but it just seems a nice get out clause for state pension people.

How much does the forecast say she has to date? And how much is the most she can get? Like this example ...