A little-known scheme is available
to help protect basic state pensions for those with low earnings,
or no earnings at all, that have cared for a sick or disabled
person or a child. Home Responsibilities Protection (HRP) is
available to ensure adequate state pension provision is available.
Recipients of Child Benefit for a child under the age of 16,
or of Income Support where it has been agreed that they are substantially
engaged in caring for a sick or disabled person HRP should be
given automatically.
HRP entitlement can be overlooked where Child Benefit was claimed
in the name of the partner who was not, in fact, the partner
to stay at home with the children. If this was the case, the
HRP can be transferred.
Transferral of the HRP applies where; an individual reached
State Pension age on or after 6 April 2008, was living a partner
who claimed Child Benefit and shared care for a child under 16
and would have been able to get Child Benefit if their partner
had not claimed.
HRP has been available for full tax years from April 1978.
To find out more about how we can help you, please contact Carvill & Johnson in Northfield, Birmingham. |
