What is HRP?
Who Qualifies for HRP?
You were not paying National Insurance contributions for a tax year between 6 April 1978 and 5 April 2010 because you were:
- Caring for a child under 16:
- You received Child Benefit in your name for a child under age 16.
- HRP was automatically awarded to the person named on the Child Benefit claim.
- Caring for a sick or disabled person:
- You were receiving Income Support and your eligibility was based on caring responsibilities.
- Or you were caring for someone and receiving Carer’s Allowance.
- Receiving certain benefits:
- You were receiving Income Support as a carer or long-term sick person.
How Much Could You Be Owed for HRP?
It’s estimated that over 210,000 people in the UK may be affected by missing Home Responsibilities Protection (HRP) credits, which can lead to underpaid State Pensions. If you were eligible for HRP between 1978 and 2010 but your credits weren’t properly recorded, you could be missing out on thousands of pounds.
- Refunds typically range from £2,000 to £7,800, depending on how many years of HRP are missing.
- In some cases, this could be even higher for individuals with long-term gaps in their National Insurance record.
- Each missing year of HRP could add approximately £5 per week to your State Pension.
- That’s around £260 per year, and over a 20-year retirement, this could mean £5,000+ in extra income.
- If you’re already drawing your pension and your HRP credits were missing, HMRC may issue a backdated lump sum.
- These payments can cover months or even years of underpaid pension, significantly boosting your financial security.
Uniform Tax Allowance
If you wear or have worn a uniform or protective clothing at work over the past 4 years, which you must wash and maintain yourself, you may be due a tax refund from HMRC. This allowance can be backdated for up to 4 years.
Marriage Tax Allowance
Marriage Tax Allowance allows a couple to transfer 10% of the lower earning partners personal tax allowance to the higher earning partner. Which, simply put, means the higher earner will pay less tax.
Mileage Tax Allowance
Work Mileage Tax Allowance is a tax relief from the HMRC which allows you to deduct the costs of business trips from your income. This tax relief could be worth up to 45p for every mile you have travelled since April 2015.
PPI Tax Refund
If you have received a payment for mis-sold Payment Protection Insurance (PPI) since April 2016, you could be eligible for a PPI Tax Refund, as most banks/lenders will have incorrectly deducted 20% tax automatically.
Work From Home Tax Relief
If you are a UK tax-paying employee and were told to work at home by your employer because of Covid-19 (even for a single day) and, as a result, your household costs have increased, you are eligible to claim the working from home tax relief.
HRP
You were not paying National Insurance contributions for a tax year between 6 April 1978 and 5 April 2010 because you were Caring for a child under 16
Your Trusted Tax Refund Advisor
At Risewave Media, our team of dedicated and dependable tax advisors are experts in a wide range of tax-related matters. We have the experience and results-driven mindset that you need on your side. Trust us to navigate the complexities of tax refunds, PPI Tax Refund, Uniform Tax Allowance, Marriage Tax Allowance, Milage Tax Allowance, and Work From Home Tax Relief, ensuring you receive what’s rightfully yours. Your financial success is our top priority, and we’re here to provide you with expert guidance and peace of mind.
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