No upfront fee
Our success fee only applies if relevant arrears are actually paid.
State Pension support
Did you know thousands of people are not receiving the correct State Pension payments?
Are you one of them?
60 second
online form
online form
Free
eligibility check
eligibility check
No win,
no fee
no fee
We do the heavy lifting
From paperwork and evidence to follow-ups, we help keep your case moving and explain what happens next.
Independent support
We are not part of HMRC or DWP and do not decide entitlement.
01 / First, a little reassurance
How can we
help?
Who are Hampton & Rowe?
A customer-facing State Pension support service, an independent paid service.
Why might this matter to me?
Caring years, marriage, bereavement, divorce, age, deferred pension or an older National Insurance record could all be worth checking.
Do I have to use a company?
No. You can contact HMRC or DWP yourself, free of charge. People choose us because we do all the heavy lifting for you.
Who makes the final decision?
HMRC and/or DWP, depending on the issue. Hampton & Rowe does not decide entitlement.
A little perspective
The past can still shape
what you receive today.
Caring years, older records and life changes may all be worth another look.
02 / What may be worth a closer look
One pension.
Several possible reasons you may be underpaid.
Your State Pension is shaped by the rules that applied to you, your National Insurance history and what happened across your life. There is no single explanation for every underpayment.
These are some of the areas that may be relevant.
Caring years & HRP
Home Responsibilities Protection applied to certain parents and carers between 1978 and 2010.
Learn what HRP means →Marriage & civil partnership
Some older State Pension rules can take a spouse's or civil partner's contribution history into account.
Learn what may matter →Bereavement
A surviving spouse or civil partner may have inherited or survivor-related State Pension entitlement that needs checking.
Understand bereavement issues →Divorce & separation
A former partner's National Insurance record, caring history or pension-sharing information may be relevant.
Read the plain-English guide →Over-80 rules
Older State Pension rules can apply to some people aged 80 or over.
See what may be worth checking →Historic records
Missing contributions, credits, qualifying years, name changes or incomplete records can change the picture.
Personal Tax Account →Deferred or delayed pension
If State Pension was claimed later than the date it became available, there may be extra pension or a lump sum to understand.
See how we review this →Pension Credit effects
A State Pension correction can sometimes affect linked means-tested benefits.
Read the explanation →Why it is worth asking
DWP found that some people did not apply because they didn't realise HRP could be relevant to them.
370,018
people were contacted by HMRC about potentially missing HRP.
Only
52,935applications had been processed by 31 March 2025.
DWP reported an average underpayment of
£8,377 Check Now03 / Your journey
The timeline of your claim
- 01
60 second online form
Answer a few simple questions about your pension and circumstances.
- 02
We assess your case
We review your answers and identify what may need checking.
- 03
We submit and follow up
Where appropriate, we progress the case with the relevant department.
- 04
Decision and payment
HMRC or DWP decides and confirms any change or arrears.
- 05
Our fee, if payable
If relevant arrears are paid, the agreed success fee applies.
04 / Before you decide
FAQs
Take your time. You deserve clear answers before deciding what to do.
See all questions →How can I check who I am dealing with?
Hampton & Rowe is an independent paid service. We are not part of HMRC or DWP, and those departments make the official entitlement decisions.
What does the initial check involve?
The Check Now button opens our onboarding form. It asks for information about you, your State Pension and relevant Child Benefit or caring history. The information is reviewed after onboarding; the form itself does not constitute a government entitlement decision.
What is HRP?
Home Responsibilities Protection helped protect State Pension entitlement for certain parents and carers between 6 April 1978 and 5 April 2010. NI credits replaced HRP from 2010. Read the full guide.
I don't have old paperwork. Can I still start?
Often, yes. Original documents can be helpful but are not always available or required at the start. Tell us what you know and we can explain what evidence or alternatives may be relevant.
How long could it take?
Timing varies depending on the issue and the government department handling it. HMRC and DWP control decision-making and processing times, so no timeframe can be guaranteed.
Who actually decides whether I am entitled?
HMRC, DWP or the relevant government authority. Hampton & Rowe can assess, prepare and progress a case, but does not make the official entitlement decision.
Do I have to use Hampton & Rowe?
No. You can contact HMRC or DWP directly, as appropriate, without paying us.
Will I pay anything if there are no arrears?
No success fee is charged if no relevant arrears are paid. The total success fee is 36% including VAT of relevant net arrears actually received. See how our fees work.
Start your claim now
We're here to help you take the next step,
with clear information and friendly support.