If you claimed Child Benefit before 2010 or had caring responsibilities, your National Insurance record may contain gaps. This could affect your State Pension entitlement and potential arrears.
Answer a few quick questions to see whether your record may need reviewing.
Kensbridge helps identify whether missing HRP credits may have affected your National Insurance record and State Pension entitlement.
Where credits are missing, some individuals may be entitled to backdated payments.
We help assess whether your circumstances may support an HRP-related claim.
No upfront costs. Fees apply only if arrears are successfully recovered.
Home Responsibilities Protection (HRP) was introduced to protect the National Insurance records of parents and carers who were unable to work or earn enough to build qualifying years.
Missing HRP credits can reduce the number of qualifying years on your record, which may impact your State Pension.
Scheme introduced
Replaced by NI credits
Potential arrears depending on record
Explore our guides to understand eligibility, how claims work, and what steps may be involved.
Overview of the scheme and how it affects State Pension entitlement.
Read guide →Common questions about eligibility, claims, and timescales.
View FAQ →Step-by-step overview of the HRP claim process.
View guide →When this form is used and how it relates to HRP claims.
Learn more →Kensbridge Limited is an independent firm that supports clients in reviewing and correcting HRP-related National Insurance records.
We act on your behalf with HMRC and the Department for Work and Pensions (DWP) to help ensure your record is accurate.
We are not part of HMRC or DWP and are not endorsed by them.
You may wish to check your record if:
You claimed Child Benefit before 2010
You were caring for someone regularly
You had periods with low or no NI contributions
You were responsible for a child not registered in your name
You were a registered foster carer
HRP was not always applied automatically. In some cases, this may have led to gaps in National Insurance records.
Missing credits may affect both your weekly State Pension and whether arrears are due.
Backdated arrears depend on corrected years and individual circumstances.
Each corrected year may contribute towards your overall entitlement.
Any arrears identified are paid directly to you by DWP.
Outcomes vary and are not guaranteed.
Check Eligibility →Your State Pension may be affected by missing HRP years.
If you think you might be missing HRP credits, don’t miss out on what’s rightfully yours. Contact Kensbridge today for a free assessment and check whether you're receiving the correct State Pension.
