General Chat

Ann, that is really helpful, thank you.... it will actually bring my pension up to a full pension when added on top of my working time. I worked full time from 6 weeks before my younger son's 15th birthday, so that is looking better....

I will sleep even easier tonight, lol Thanks again.

Love

Daff xxxxx

Carers - have you protected your pension?
To qualify to receive a state retirement pension (in due time) an individual needs to have paid the necessary national insurance contributions. The Home Responsibilities Protection (HRP) was set up in 1978 to cover carers (of sick or disabled people or of children under 16 ys) who were not in employment and did not pay national insurance. You qualify for HRP if, throughout a complete tax year, you spend: at least 35 hrs a week looking after someone who gets attendance allowance, or disability living allowance middle or higher rate care component, or constant attendance allowance, or is paid child benefit for a child under 16. To apply for HRP you need a form CF411 available from your local Jobcentre Plus or HMRC (Tax) Office or downloaded from www.hmrc.gov.uk For the tax years up to 2001/02, if HRP was not awarded, you can apply at any time, but from tax year 2003/03 onwards you need to apply by the end of the third year following the year for which you are claiming HRP. All is explained in the DISABILITY RIGHTS HANDBOOK.