HRP payments

rosebud666

Re Martins letter "HMRC has started writing to 100,000s of people – mostly women – who may be missing out on their full state pension entitlement due to an error in their national insurance records. Specifically, this affects those who took time off work to care for family between 1978 and 2010, as they may be missing what's known as 'home responsibilities protection' (HRP)"

I made voluntary payments for missing years and do get a full pension, but does this mean I paid more than I should have? and can I reclaim any?

p00hsticks

I don't think anyone here is going to be able to say for sure. 
Were you claiming Child Benefit for at least some of those years ?
What does your NI record show for those years ?
Were the missing years that you paid for the same as the ones in which you were caring ? 
When did you reach state pension age ?
Did you get a state pension forecast prior to reaching SPA and if so what did it say ? 

rosebud666

I got child benefit for my son (age 2 in 1978) I started a job in 1980. I did change jobs so I did not have a full year of NI payments for maybe a couple of years and then worked up until I retired at 61, in 2011. Don't remember a forecast and have not looked into getting pension records as I didn't know you could. I know I needed 30 years of payments and paid about £400 a year near to retirement to make up for about three years lost.

molerat

Do you have access to your on line tax account ?

Marcon

rosebud666 said:

Re Martins letter "HMRC has started writing to 100,000s of people – mostly women – who may be missing out on their full state pension entitlement due to an error in their national insurance records. Specifically, this affects those who took time off work to care for family between 1978 and 2010, as they may be missing what's known as 'home responsibilities protection' (HRP)"

I made voluntary payments for missing years and do get a full pension, but does this mean I paid more than I should have? and can I reclaim any?

Highly unlikely. You would need to demonstrate conclusively that your voluntary contributions were on the basis of information/advice given to you personally - and from your post, it sounds as if you simply made your own decision to pay the voluntary contributions without making any checks. 

Rosiethecat1948

HMRC has recorded that I have 10 years HRP.  DWP records 8 years plus 10 years HRP!  but my state pension starting in November 2009@ 27pounds records NO HRP. ?? I therefor rely on my husbands pension.PS. yes I have tried without success and now wait on Martins stated letter from HMRC!   

molerat

Rosiethecat1948 said:

HMRC has recorded that I have 10 years HRP.  DWP records 8 years plus 10 years HRP!  but my state pension starting in November 2009@ 27pounds records NO HRP. ?? I therefor rely on my husbands pension.PS. yes I have tried without success and now wait on Martins stated letter from HMRC!   

If you retired pre 2010 then you were not given NI year credits for HRP but the required number of years for a full pension was reduced by the HRP years.  You are not entitled to the post 2010 18/30ths of the basic pension (£93.71) but the pre 2010 8/29ths of the basic pension (£43.08) which is less than a cat BL pension, 60% of the basic pension (£93.60), which you receive from your spouse entitlement. You will have a long wait for that letter, that is for woman who did not receive any form of HRP recognition.

Looking back to 2009-10 8/29ths of £95.25 is £26.27.

tillyscotty

i have checked my National Insurance record and I am missing contributions for 1978. I was a full time student until August that year and my eldest child was born in September 1978. I have looked at the HRP form on HMRC site but it states that you can claim for the year following the birth of your child. This confuses me as I started work in that year (1979) and I have full contributions for that year, my missing year is 1978. Any help would be appreciated.

molerat

If your child was born in September 1978 then any HRP would be from April 1979.