You may benefit from an HRP review if you received Child Benefit between 1978–2010, cared for someone long-term, are a married woman on a reduced pension, were divorced without your pension being reassessed, or may be missing inherited pension entitlement.

HRP was introduced to protect the State Pension rights of people who stayed at home to raise children or provide care. It later transitioned to NI credits in 2010, but gaps and administrative errors left many people underpaid.

DWP statistics indicate that corrections average around £7,800. Some individuals recover significantly more depending on the number of missing NI qualifying years.

No. Claims rely on HMRC’s and DWP’s official records, not personal documents. Even if you no longer have older paperwork from the 1970s or 1980s, we can still investigate fully on your behalf.

Yes, if successful your weekly pension amount may increase. You may also receive a backdated lump sum. In some cases, these backdated payments are taxable and we can advise if that applies to you.

Yes. Many underpayments have been identified in people who are already drawing their State Pension but were never given the correct rate due to missing HRP credits.

Most reviews take around 4 to 6 months. Timelines depend on HMRC/DWP workload and how quickly supporting information is processed.

No. We handle everything for you—reviewing records, submitting the claim, managing follow-ups, and keeping you updated throughout the process.

Our fee is 36% of any recovered underpayment. There are no upfront charges, and if your claim is unsuccessful you pay nothing.

Simply complete our online eligibility check. We’ll review your information and confirm whether an HRP investigation is worthwhile—no obligation to continue unless you choose to.

We are registered with HMRC as an Accountancy Service Provider (ASP) and supervised for anti-money-laundering compliance. HRP checks are not FCA-regulated activities, so FCA authorisation is not required.