The Department for Work and Pensions (DWP) is encouraging UK pensioners, particularly women who claimed Child Benefit before 2000, to verify their National Insurance (NI) records. This follows the discovery of widespread underpayments in state pensions, with some individuals potentially owed an average of £7,859 in backdated payments.
Background: Home Responsibilities Protection (HRP) Oversight
Between 1978 and 2010, the Home Responsibilities Protection (HRP) scheme was in place to safeguard the state pension rights of individuals who took time off work to care for children or disabled relatives. However, many who claimed Child Benefit before 2000 did not have their NI numbers recorded, leading to missing HRP credits in their NI records. This administrative oversight has resulted in significant pension underpayments for thousands.
Scope of the Issue
Recent investigations have revealed that approximately 370,000 individuals may have been affected by this error. As of now, over 19,000 cases have been reassessed, uncovering more than 5,000 underpayments, with an average repayment of £7,859 per person.
Action Steps for Pensioners
Pensioners who suspect they might be affected are advised to:The Scottish Sun
- Check NI Records: Access your personal tax account via the Government Gateway to review your NI record and state pension entitlement.
- Identify Missing HRP Credits: Look for any gaps in your NI record during periods when you were eligible for HRP, especially if you claimed Child Benefit before 2000
- Submit Form CF411: If you identify missing HRP credits, complete and submit the CF411 form to apply for HRP. This form allows HMRC to update your NI record retroactively.
- Contact the Pension Service: For assistance, reach out to the Pension Service or call 0800 731 0469.
Government Response
The DWP and HM Revenue and Customs (HMRC) have initiated efforts to correct these errors by sending letters to potentially affected individuals, urging them to check their eligibility for HRP and ensure their NI record is updated. However, the process may be confusing, especially for older recipients.
Importance of Timely Action
Given the scale of the issue and the potential financial implications, it’s crucial for pensioners to act promptly. Ensuring your NI record accurately reflects your HRP credits can lead to an increase in your state
