State Pension Query

I worked full time and paid NIC's from aged 16 to 19. I then gave up work to start a family and was a stay at home mum until the age of 29. I then returned to fulltime employment and worked until I was 33, during which time my marriage ended. I remarried and had two more children and have been at home taking care of my family ever since. I am now 47 years old, unlikely to return to the job market for at least another 3 years (if of course I can get a job, as most employers seem to see stay at home mum's as an alien species who have nothing to offer, rather than as someone who takes their family commitments seriously) and I wonder what, if any state pension I will be entitled to? I have been told that if you receive child benefit you get something called home responsibilities protection to 'cover' the non payment of NIC's, but that's all I do know....any insight into this would be welcomed.

Thank you in advance

Reply to
Stayathomemum
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Bitstring , from the wonderful person Stayathomemum said

Fill in form BR19, send it to the nice IR/NI people in Newcastle (Upon Tyne) and let them give you an official answer - much better than guessing here. You can sue later if they got it wrong. 8>.

If you have Adobe Acrobat Reader you can download BR19 online, and fill it in with a pen.

Reply to
GSV Three Minds in a Can

Basically, home responsibility protection is automatically granted to those looking after children and receiving Child Benefit. What it does is to reduce the number of years you have to pay NI contributions in order to qualify for state pension. I think it's only given for complete tax year you weren't working. If, after taking into account HRP, your contribution record doesn't entitle you to full pension (for women, around 90% of contributions made between age 16-60, i.e. 44 years, less HRP), you get a reduced pension.

Alec

Reply to
Alec

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