HOME RESPONSIBILITIES PROTECTION
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HOME RESPONSIBILITIES PROTECTION (HRP)
This article is based on personal
experience only in late 2008, and individual cases vary depending who handles
your case in UK, and possibly up-date of Forms and addresses.
HRP was introduced in the tax year beginning
April 6th 1978 and can only be allowed for complete tax years . The purpose
was to compensate mothers for staying at home to bring up their children so
that they didn't lose out when assessing the number of years worked for their
Old Age Pension calculation.
The grant of HRP years can only be allowed
whilst you (wife) received UK Child Benefit for a child under age 16 and for a
maximum of 19 grant years.
My wife on her 60th.birthday (2002) was granted
NIL pension and 9p per week Graduated Pension as she only "worked" from 1959
until 1966 before bringing up our 3 kids - ie no latch-key kids
fortunately. She even visited the local office in the Wirral ---- no mention
was made of HRP by staff, or in any literature that was handed out, and we had
never heard about it, because of course, there was little internet in those
I heard about HRP late in 2008 .............
In the first instance, contact the following
National Insurance Dept, and request Form CF 411 (or possibly download) as
before going to the relevant Pensions office, you need the grant of years
allowed from the N.I. Dept.
Send to :
National Insurance Contributions Office
Room BP 2201 Benton Park View
Newcastle upon Tyne NE98 1ZZ
Phone + 44 191 58068
Fax + 44 191 54709 My Contact
was G.Jordan DM Team
ALWAYS STATE your National Insurance Number
List previous UK addresses
List Children's names dates of birth etc.
+ any other relevant information that may be
useful - i.e don't give them any excuse to prolong matters
(remember HRP was only introduced in tax year
beginning 1978 so any calculations start from then)
In our case, our 3rd.child attained 16 in 1993,
so she was granted 15 years HRP one for one as though she was paying a full
The N.I. Contributions Office (above) then send
you a letter saying your Application for HRP was successful and will state the
years covered .
You then send a copy of this letter to : (in a
covering letter, remind them of arrears payment, and give them your Bank
Details etc, be it UK or Australia, whatever your preference - again this
saves time in the process)
The Pension Service
International Pension Centre
Newcastle upon Tyne NE98 1BA
Phone : + 44 191 21 87777
Fax : + 44 191 21 83857
Our Case Officer was Andrew Robb - Pension
We then had a letter back from the above with
the new entitlement
From Kay's 9p/week, she was granted
GBP 28.78/week 2002 with relevant increases to 2005 GBP 31.28/week (we came
to Oz in May 2004) ............. but more important she was also granted
arrears of just under GBP 10,000 covering the period 2002 until late 2008.
I didn't check their calculations so cannot say whether they granted any
interest - I think not,but I was too grateful for this success - and annoyed
that this "benefit" is not, or was not, publicised at the time in 2002
I hope the foregoing helps any reader in
deciding whether they qualify and would be pleased to know of any successes
Sadly my wife didn't benefit for too long as
she succumbed to cancer in September 2009, and like the good boy that I am, I
had to e-mail them and advise them of our "change of circumstances"
HRP is also available for years spent looking
after sick or disabled persons.
It is supposed to be automatic for women who
receive Child Benefit, but in accordance with usual policy, nobody don't rell
UK Pensions Service web site
or, more specifically, if you have already
UK Government site for pension information, if
you are nearing retirement
To Join BAPA
The British Age Pensioner Alliance was
formed to promote the interests of all Britons resident in Australia who
either are, or will one day become, recipients of the British Age Pension.
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