HMRC issue warning for anyone who had a baby in the 1980s or 1990s

The Labour Party's Shadow Tax Minister has said those who had children in the 1980s and 1990s may be missing out on crucial state pension payments - here's how to check if you're affected

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A warning from HMRC has been issued, affecting numerous women who had children in the 1980s and 1990s and might now be coming up short on their state pension.

The Labour Party's spokesperson for taxes highlighted that these mothers may be missing out on vital state pension payments due to oversights in HMRC's record-keeping. Particularly at risk are those who took time off work to raise their families and were eligible for "Home Responsibilities Protection" (HRP), which should have been automatically given to anyone who claimed child benefit and took a career break between April 6, 1978, and April 5, 2010.

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Due to some HRP updates not being reflected correctly in National Insurance records, it is suspected that many individuals—particularly women—may not receive the full state pension they're entitled to.

It's important to note that HRP can still be claimed for each complete tax year from 1978 to 2010, under certain stipulations: claiming child benefit for a child under 16, caring for a child while a partner claimed the benefit, or receiving income support whilst looking after someone ill or disabled.

READ MORE: Mum takes kids out of school for three months after 'dictatorship' holiday fine of £480

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Furthermore, eligibility includes individuals who looked after someone unwell or with a disability who was receiving specific benefits such as attendance allowance, disability living allowance, or constant attendance allowance.

The sum you get from the State Pension when reaching pension age depends on your National Insurance history and the number of qualifying years recorded, reports Birmingham Live.

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If you reached State Pension age before 6 April 2010, Home Responsibilities Protection (HRP) could have reduced the number of qualifying years you needed to get the full basic State Pension by up to 22 years.

Women needed 39 qualifying years and men required 44 qualifying years to secure a full basic State Pension. For those who reached State Pension age on or after 6 April 2010, HRP was converted into National Insurance credits, if you needed them, up to a maximum of 22 qualifying years.

Those who reached State Pension age between 6 April 2010 and 5 April 2016, needed 30 qualifying years on their National Insurance record to get the full basic state pension.

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If you reached State Pension age before 6 April 2016, you may have been entitled to Additional State Pension if you qualified for HRP because you received Child Benefit for a child under the age of 6 or were caring for a sick or disabled person (including a child over the age of 6) who was receiving certain benefits.

Those who reached State Pension age after 6 April 2016, may be eligible for the new State Pension.

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