Home Responsibilities Protection

farajamil

Hi
my mum has been awarded hrp for 15 qualifying years however dwp have stated that she is not entitled to any additional payments or backdated money as she has never paid any qualifying NI contributions. My mum is 87 and has always been a stay at home mum. 

Dazed_and_C0nfused

farajamil said:

Hi
my mum has been awarded hrp for 15 qualifying years however dwp have stated that she is not entitled to any additional payments or backdated money as she has never paid any qualifying NI contributions. My mum is 87 and has always been a stay at home mum. 

I think you need to provide some more details to be honest.  Remember people trying to help literally have just what you write to work with!

Does she currently get any State Pension?  If so how much per week and other than annual increases has that changed in recent years?

Is she married, widowed, divorced?

Can you copy the actual explanation from DWP (without any personal details).

molerat

HRP pre 2010 only gave a reduction in the number of years needed to receive the full pension, it is not a NI credit as it is post 2010.  She now needs 39-15=24 years for a full pension.  Unfortunately 0/24ths is worth the same as 0/39ths so she is reliant on the current arrangement.

farajamil

Hi
sorry for the initial vague message. My mum applied for hrp last year and was awarded 15 years of missed hrp entitlement by HMRC.  They forwarded the information to DWP for her pension to be recalculated and the missed qualifying years to be added to her pension as she only receives £48 weekly after 26 years of receiving a pension. 
DWP have said that although  she is entitled to HRP they will not be adding these years onto her pension as she has never worked or paid any NI contributions previously so she is not entitled to the additional years.  Basically what they mean is that she should have paid at least one qualifying year of NI in her working years to be entitled.  My mum has always been a stay at home mum. Hope this makes sense. 

molerat

As per my post there are no additional years to add, HRP increases the value of the years already held which in her case seems to be 0.  I would question why she is only receiving £48 though.  What is her marital status ?

Dazed_and_C0nfused

Is this where a Category D pension might be due?

farajamil

Thank you for the reply. Makes sense although I wish this was more clear when I made the initial application, would have saved all the hassle or maybe I just didn’t understand the process that it only relates to people that have worked and paid some form of NI contributions previously so anyway my mum should have received the over 80 pension 6 years ago and they have only just realised since me submitting the hrp  application that she wasn’t so they will re adjust this. Apparently my mums name has never been connected to her national insurance number on their systems hence the confusion. That’s why I wanted to make sure they are right about the hrp. 

Thanks everyone. 

QrizB

Being 87 now, your mum will have reached State Pension Age before 2006 so I don't think you even have the option of buying her a year's NI credit now.

Sorry, that's just how the system works.

Dazed_and_C0nfused

farajamil said:

Thank you for the reply. Makes sense although I wish this was more clear when I made the initial application, would have saved all the hassle or maybe I just didn’t understand the process that it only relates to people that have worked and paid some form of NI contributions previously so Apparently my mums name has never been connected to her national insurance number on their systems hence the confusion. That’s why I wanted to make sure they are right about the hrp. 

Thanks everyone. 

A Category D pension is currently £101.55.

So if she is due 6 years of only being paid ~50% of that she could be looking at a 5 figure sum from DWP.

With the bonus of it being taxable in the tax year the pension relates to, not the year it was all paid as a lump sum.  So she may not have any tax to pay on it if her State Pension is her only income.

Fingers crossed DWP don't keep her waiting too long for the final outcome!

jem16

farajamil said:

Thank you for the reply. Makes sense although I wish this was more clear when I made the initial application, would have saved all the hassle or maybe I just didn’t understand the process that it only relates to people that have worked and paid some form of NI contributions previously so anyway my mum should have received the over 80 pension 6 years ago and they have only just realised since me submitting the hrp  application that she wasn’t so they will re adjust this. Apparently my mums name has never been connected to her national insurance number on their systems hence the confusion. That’s why I wanted to make sure they are right about the hrp. 

Thanks everyone. 

The Category D pension is payable from age 80. However I’m wondering why she wasn’t able to apply for a Category B pension when her husband reached SPA at probably age 65. The Category B pension allows a woman to claim on her husband’s NI Record. It’s around the same amount as the Category D pension.

So what is your Mum’s marital status? If still married then she should have got the Category B pension years ago. If widowed or divorced  she should have been able to claim a full Basic State Pension (assuming her husband had a full record) plus perhaps inheriting some of his additional pension.

Marcon

Dazed_and_C0nfused said:

farajamil said:

Thank you for the reply. Makes sense although I wish this was more clear when I made the initial application, would have saved all the hassle or maybe I just didn’t understand the process that it only relates to people that have worked and paid some form of NI contributions previously so Apparently my mums name has never been connected to her national insurance number on their systems hence the confusion. That’s why I wanted to make sure they are right about the hrp. 

Thanks everyone. 

A Category D pension is currently £101.55.

So if she is due 6 years of only being paid ~50% of that she could be looking at a 5 figure sum from DWP.

With the bonus of it being taxable in the tax year the pension relates to, not the year it was all paid as a lump sum.  So she may not have any tax to pay on it if her State Pension is her only income.

Fingers crossed DWP don't keep her waiting too long for the final outcome!

....and here's the link: https://www.gov.uk/over-80-pension/eligibility

We had a previous post on here about the problems someone had getting a claim form, which at least in theory(!) you can get from your JobCentre: https://www.gov.uk/over-80-pension/how-to-claim If your mum tries that route, I suggests she prints out the relevant page and takes it with her, so when she meets a load of blank stares, she can show them the evidence that they are supposed to be able to provide the form!