National Insurance Credits and Protecting Your Record

Home Responsibilities Protection (HRP) was a scheme that helped protect the State Pension rights of parents and carers between 1978 and 2010. Whilst the scheme closed in 2010 and was replaced by National Insurance credits, you can still apply for backdated HRP if it's missing...

6 min read

If you're the spouse or civil partner of someone serving in the UK armed forces and you've accompanied them on overseas postings, you may be entitled to National Insurance credits. These credits help protect your State Pension entitlement by filling gaps in your National Insurance record during...

5 min read

If you're a grandparent or other family member who regularly looks after a child under 12, you may be able to claim National Insurance credits to protect your State Pension. These are known as Specified Adult Childcare credits, and they can help fill gaps in your National Insurance record by...

5 min read

National Insurance credits help protect your contribution record during periods when you're unable to work or pay National Insurance—such as when you're unemployed, ill, caring for someone, or raising children. These credits fill gaps in your record to ensure you still qualify...

5 min read