300,000+ women are thought to have been underpaid
UK Mothers Who Claimed Child Benefit between 1978-2010 Could Be Owed £8,377*
See if you could be owed £8,377* with our online form.
Check if you could claimYou could claim back £££s
Over 300,000+ potentially affectedYour claim is no-win, no-fee
Simple, easy claim processExpert advisers will do all the work for you
AskRose Has Been Featured In
You can make this claim directly with HMRC yourself for free.
Check if you could claimYou could claim back £££s
Over 300,000+ potentially affectedYour claim is no-win, no-fee
Simple, easy claim processExpert advisers will do all the work for you
"Some people may have HRP credits missing from their National Insurance records which could affect their State Pension.These people are invited to apply to have their records corrected so they receive the correct amount of State Pension."
Frequently Asked Questions
Understanding HRP
HRP stands for Home Responsibilities Protection. It was a government scheme that ran from April 1978 to April 2010, designed to protect the State Pension of people, mostly women, who took time out of paid work to raise children or care for someone at home.
If you claimed Child Benefit for a child under 16 during those years, HRP was meant to be added to your National Insurance record automatically, so the time you spent caring didn’t leave gaps that reduced your pension.
When HRP was replaced by National Insurance credits in 2010, those years were supposed to transfer over automatically. For thousands of women, that didn’t happen, so their records still show gaps, and they may have been paid a lower State Pension than they’re owed as a result.
You may be affected if:
- You claimed Child Benefit at some point between 1978 and 2010 for a child under 16
- You weren’t working, or had low earnings, during some of those years
- You’ve reached State Pension age and are now receiving your State Pension
- You may be receiving less than the full State Pension, which can be a sign that credits are missing from your record
Because in many cases, they don’t know who is affected. National Insurance records weren’t always properly linked to Child Benefit claims, so the government can’t simply look up who is missing credits. That’s why people are being asked to check their own records and why so many women who are owed money still don’t know it.
These claims are to help people check if they may have been underpaid for any years on their state pension. Until you have been receiving it for at least one full year, we cannot check that.
With the current state pension age being 66, one year later is 67.
These claims are to help people that have been underpaid on their state pension. If you are receiving the full, maximum amount, you will not have been underpaid, so will not need to claim, as you would not be eligible.
This is a good thing! As it means that you have not been short-changed or missing out.
This relates to Home Responsibilities Protection (HRP). HRP was designed to protect your State Pension years if you were looking after children or caring for someone between 1978-2010 and not paying full National Insurance.
In some cases, those HRP years were not recorded correctly, which meant fewer qualifying years were counted towards the State Pension. If those years are corrected, it can increase the pension, and if there has been an underpayment, this may result in a backdated payment.
About AskRose
AskRose is a pension reclaim specialist. We help women find out whether they’ve been underpaid their State Pension because of historic government record-keeping errors, and if they have, we handle the claim for them. We were founded on a simple belief: the State Pension isn’t a benefit or a gift from the state. It’s a legal right, earned through years of work, raising children and caring for loved ones. We’re led by Elaine Walker, a claims professional with more than 20 years’ experience in legal and financial claims.
We’re a UK-based team. Based in Altrincham, Manchester, and yes, you can talk to a real person over the phone. In a world where so many scams arrive by text and email, we think being able to speak to someone properly matters. Our phone number is 0161 518 0986.
It’s completely right to ask. The sad truth is that scammers do target pensioners, and healthy caution is a good thing. So here are the facts you can check for yourself:
- We’re a registered UK company. AskRose, registered in England, company number 14249975. You can look us up on Companies House.
- We’re registered with HMRC as an agent, which means we can deal with HMRC on your behalf. We are an independent company. We are not HMRC, the DWP, or any part of government.
- We work on a no-win, no-fee basis. If your claim isn’t successful, you pay nothing.
- We will never ask you for bank cards, PINs, passwords, or any payment up front.
- You can read what our clients say about us on Trustpilot, and you can ring-3 our office on 0161 518 0986 any time to check that a message really came from us.
Making a claim
We take the stress and the paperwork off your shoulders. Our process has four simple steps:
- Check: We check whether you’re likely to be eligible, based on a few details about you
- Claim: If you are, we submit your claim to HMRC on your behalf
- Correct: If HMRC confirms credits are missing, your National Insurance record is corrected
- Collect: You may receive a back-payment for the years you were underpaid, plus a higher weekly pension going forward
The easiest way is to start with a free, no-obligation eligibility check. If it looks like credits are missing from your record, we’ll submit the claim to HMRC for you and manage the whole process from there.
It’s free, takes just a few minutes, and there’s no obligation. We’ll ask a few simple questions, such as your year of birth, whether you claimed Child Benefit between 1978 and 2010, and whether you’re now receiving your State Pension. Checking won’t cost you anything.
Our fee is 29% plus VAT of any back payment you receive. Including VAT, that works out at 34.8% of the back payment in total. We work on a no-win, no-fee basis so if your claim isn’t successful, or no back payment is due, you pay nothing at all.
Here’s a worked example. The average back payment in the government’s correction exercise has been £8,377. On a back payment of that size, our fee would be £2,429.33 plus VAT of £485.87 making it £2,915.20 in total and you would receive £5,461.80.
Just as importantly: our fee applies only to your back payment. Your increased weekly pension going forward is yours in full, for life we don’t take a penny of it, ever. For many women, that ongoing increase adds up to far more over time than the back payment itself. If you are not eligible for a back payment then no fee is due.
The initial application on our website can take as little as a couple of minutes to submit a claim to us. Please rest assured that we will be in touch as soon as there is an update to share.
It might, so it’s worth knowing about in advance. A back payment counts as taxable income generally for the years the pension should have been paid, rather than the year you receive it. And because a corrected pension means higher weekly income, it can affect means-tested benefits such as Pension Credit or Housing Benefit.
We can’t give you tax or benefits advice, but we’d encourage anyone receiving means-tested benefits to get free guidance, for example from Citizens Advice or Age UK before deciding how to use a back payment.
Yes, there have been many successful HRP claims, with the average claim value being £8,377.
We are receiving a high volume of enquiries at this moment in time. Rest assured we will be in touch.
You can contact us on 0161 518 0986 if you would like to speak to someone directly.
Having children is not the only criteria. These claims are for HRP (Home Responsibilities Protection), for those that took time from work to care for children or someone with a long-term illness or disability. In many cases, National Insurance contributions for these people were not recorded correctly. These claims are to ensure that this is corrected. If you are not eligible, it is a good thing, as it means that your NI contributions have been recorded correctly all along.