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Martin Lewis urges parents to claim £10,000s in missing payments

Parents who took time off work between 1978 and 2010 may be owed significant back payments.

July 27, 2025 at 07:22 PM
blur Martin Lewis urges parents to claim '£5,000' if they had children between 1978 and 2010

Parents with children born between 1978 and 2010 may be entitled to significant back payments.

Martin Lewis highlights opportunity for parents to claim thousands

Martin Lewis, a well-known financial advisor, is alerting parents who had children from 1978 to 2010 to check if they are owed substantial sums in back payments. The UK government can determine eligibility based on National Insurance records due to time taken off to care for children or those with disabilities. Lewis pointed out on X that many may have National Insurance gaps that affect their State Pension, emphasizing that parents need to take action to confirm their entitlements. Some individuals, like a woman named Cilla, reported receiving significant back pay, showcasing the potential for many others. According to accounting experts at Robson Laidler, an average of £5,000 may be due to affected households. The HMRC is facilitating this process but urges personal initiative, as they will no longer actively contact everyone who could qualify for Home Responsibilities Protection.

Key Takeaways

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Parents from 1978 to 2010 may be eligible for substantial back payments.
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Martin Lewis encourages proactive action to check National Insurance records.
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An average of £5,000 may be due to many families affected.
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Individuals reported receiving back payments as high as £31,674.
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No time limit exists for applying for missing Home Responsibilities Protection.
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HMRC is shifting responsibility to individuals for checking their own records.

"State Pension error! Did you take time off work (1978 to 2010) to look after children or someone with long term disability? You could be owed £10,000s."

Martin Lewis highlights a significant financial opportunity for parents.

"We would therefore advise checking your own NI records rather than waiting for a letter from DWP/HMRC to arrive."

A spokesperson from Robson Laidler emphasizes personal responsibility in this matter.

This situation underscores a critical gap in communication between government agencies and the public regarding financial entitlements. Martin Lewis' call to action reflects not only his expertise but also the urgent need for awareness among those who might be losing out on their rightful benefits. The fact that individuals may be owed tens of thousands in back payments reveals systemic oversight that can significantly impact households' financial stability. The proactivity required from citizens to navigate this process raises questions about the clarity and accessibility of information surrounding government benefits. This advisory scenario showcases the importance of personal awareness in claiming one's financial rights.

Highlights

  • Check your National Insurance records to claim what's yours.
  • Ignoring your HRP status could cost you thousands.
  • Martin Lewis reveals a hidden treasure for parents in the UK.
  • Your financial future may be at stake, check your benefits now.

Financial risks for parents due to lack of awareness

Many parents may not realize they are entitled to back payments, leading to potential financial loss. The shift in responsibility to individuals could result in significant numbers missing out on claims.

As awareness grows, many could benefit from taking the steps necessary to secure their financial entitlements.

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