Additional State Pension

Additional State Pension

The additional State Pension is provided by the government. It can give you extra money on top of your basic State Pension. You may have a pension that ‘contracts’ you out of the additional State Pension. Find out more about the additional State Pension and what contracting out means. Who gets the additional State Pension? You may be contributing to or receiving credits towards the additional State Pension if you’re below State Pension age and…

Read More

After the interview under caution

After the interview under caution

After you have been interviewed by a benefits fraud investigator, the interviewer will then decide how to proceed. The interviewer may decide: To do nothing – The interviewer may be happy you have not committed benefit fraud, or if they suspect you have they still may not proceed as they feel there is insufficient supporting evidence. Issue a Civil Penalty – The interviewer will issue a £50 Civil Penalty if they think you made a…

Read More

After your medical assessment

After your medical assessment

The report of your medical assessment will be sent to a decision maker at the Department of Work and Pensions who will decide whether you are entitled to Employment and Support Allowance. The report After your medical assessment, the approved healthcare professional’s report is sent to the person at the Department for Work and Pensionswho is responsible for making a decision on your claim. The decision maker will consider the report along with all the…

Read More

Allowances that can reduce your tax in retirement

Allowances that can reduce your tax in retirement

As you get older there are certain age-related allowances that can reduce your tax. Some are amounts of income that you don’t have to pay tax on others are amounts that reduce your tax bill. Increased personal allowance from age 65 Everyone gets a ‘personal allowance’ that lets them have some tax-free income each year. The allowance may increase once you get to 65, depending on your income. But bear in mind that HM Revenue…

Read More

Am I eligible for War Disablement Pension?

Am I eligible for War Disablement Pension?

You may be able to get War Disablement Pension if you’ve been injured or disabled during a time of war or as a result of service in Her Majesty’s (HM) Armed Forces. Who is eligible? You may be able to get War Disablement Pension if you were injured or disabled through serving in HM Armed Forces, including the: Ulster Defence Regiment (now known as the Royal Irish Regiment) Home Guard nursing and auxiliary services or…

Read More

An overview of carers rights

An overview of carers rights

There are some specific rights that relate to carers, including employment rights, the right to an assessment and receiving direct payments. Carers’ rights to an assessment Under the Carers and Disabled Children Act 2000, carers aged 16 or over who provide a regular and substantial amount of care for someone aged 18 or over have the right to an assessment of their needs as a carer. If there is more than one carer providing regular…

Read More

Appealing against a Child Benefit decision

Appealing against a Child Benefit decision

If you are not happy with a Child Benefit decision, you may be able to appeal. You’ll normally have to appeal within one month of when the Child Benefit Office sent you their decision. Before you appeal You can often sort out any Child Benefit Office decision you are not happy with without having to make a formal appeal. You can do this as follows: ask the Child Benefit Office for an explanation of their…

Read More

Appealing against a late returns PAYE penalty notice

Appealing against a late returns PAYE penalty notice

If a Pay As You Earn (PAYE) taxpayer does not agree with HMRC issuing them with a late returns PAYE penalty notice, they can exercise their right of appeal against it. How are PAYE penalty notice disputes resolved? Most PAYE penalty notice cases are resolved by the taxpayer and HMRC reaching an agreement. HMRC will confirm any agreement in writing and the taxpayer will have 30 days within which to inform HMRC if they have…

Read More

Appealing against a tax credit decision

Appealing against a tax credit decision

If youre not happy with a tax credits decision, you may have the right to appeal. Youll normally have to appeal within 30 days of when the Tax Credit Office sent you their decision. Before you appeal There are a few steps you can take before appealing. It’s always worth trying to reach an agreement withthe Tax Credit Officebefore making a formal appeal. This way, if they agree your award is wrong, they can make…

Read More

Applying for a National Insurance number

Applying for a National Insurance number

National Insurance is the system of contribution towards state benefits and other welfare provisions operated in the United Kingdom. It was first introduced in 1911, to insure the population against illness and unemployment. Today the National Insurance system does not directly fund the health service, but instead offers a fund to pay for state benefits such as statutory sick pay, job seekers’ allowance, disability allowance and the state pension. In fact, the Government collected over…

Read More

Attendance Allowance

Attendance Allowance

Attendance Allowance (AA) is a tax-free benefit you may get if you’re aged 65 or over and need help with personal care because you’re physically or mentally disabled. The information in this section is a guide only. The office dealing with your claim can answer any questions you may have about claiming and getting Attendance Allowance. Who can get Attendance Allowance? You may get Attendance Allowance if any of the following apply: you have a…

Read More

Authorising an accountant to deal with HM Revenue & Customs for you

Authorising an accountant to deal with HM Revenue & Customs for you

HM Revenue & Customs (HMRC) has a strict legal duty of confidentiality which means that they need your written permission before they can deal with your agent or accountant. Using an accountant You dont have to employ an accountant if you dont want to, particularly if your financial situation is straightforward. However, you may find that a good accountant can help you manage your finances more easily. Tax agents and accountants can deal with all…

Read More

Bank holidays and Child Benefit payments

Bank holidays and Child Benefit payments

Your Child Benefit payments are made every week or every four weeks, depending on what you chose when you claimed. If your usual payment day falls on a bank holiday, you should get your payment earlier than normal. Payments over bank holidays From time to time, your normal Child Benefit payment day may fall on the same day as a bank holiday. This will often be a Monday, but not always. When this happens, you’ll…

Read More

Basic and additional state pension

Basic and additional state pension

The State Pension is made up of two parts, the basic State Pension and the additional State Pension. People get different amounts of each. Find out what they are and who gets them. The basic and additional State Pension The full basic State Pension for a single person is 107.45 per week in 2012-13. Some people get more than this, because they get an additional State Pension on top of their basic State Pension. BasicMost…

Read More

Beginners guide to tax

Beginners guide to tax

Income tax: earnings, pensions and benefits Income tax becomes payable: on wages if the recipient is employed on business profits if the recipient is self-employed on State Pensions and any company or private pensions on certain benefits, such as Jobseeker’s Allowance, Carer’s Allowance and Incapacity Benefit. National Insurance contributions National Insurance contributions (NICs) are payable in employment and self-employment. Employees have their tax and NICs automatically deducted by their employers via the Pay-As-You-Earn (PAYE) scheme….

Read More

Benefits

Benefits

If you move or travel overseas, you will not automatically receive benefits from the UK. Entitlement will depend on whether your stay abroad is temporary or permanent. You can continue to claim some benefits while you are abroad Claiming when abroad You must let your social security office (or Jobcentre or Jobcentre Plus office) know that you are going abroad.If it is only a temporary move, then give the date you are planning to come…

Read More

Benefits and help for parents going back to work

Benefits and help for parents going back to work

If you are going back to work and you’ve got children, you can get financial and practical help with childcare. From tax credits to flexible working arrangements, there’s lots of support available to make your life easier. Early years education All three and four year olds are entitled to up to five two-and-a-half hour daily sessions a week, for three terms each year, with a ‘registered provider’ such as a school, nursery or playgroup. Some…

Read More

Benefits and help when going back to work

Benefits and help when going back to work

When you return to work after being on benefit, some of your benefits will carry on for a short while. Find out more, including the benefits and support you may be able to get once you’re working. Help with housing costs If you were getting help with your housing costs while you were out of work, you may carry on getting this. This is if you have claimed income-based Jobseeker’s Allowance, income-related Employment and Support…

Read More

Benefits and help when looking for work

Benefits and help when looking for work

If you’re unemployed and available for work, you may be able to get Jobseeker’s Allowance and other benefits. Jobcentre Plus may also give you help and support to look for a job. Find out more, including how to get benefit advice. Benefits if you’re unemployed Benefits adviser Use the online benefits adviser to get an estimate of the benefits you may get. You can also find out how a change in your circumstances may affect…

Read More

Benefits and tax allowances in retirement

Benefits and tax allowances in retirement

When you retire, your income usually reduces. To help you manage, you may be able to get certain benefits on top of any State Pension you’re entitled to. Some of these benefits are age-related, others depend on your income. Tax allowances are also more generous from age 65 if your income is below a certain level. Your entitlements Follow the links below to find out more. To return to this page simply use your ‘back’…

Read More

Benefits for those going back to work

Benefits for those going back to work

If you are just starting work If you stop being entitled to Income Support, income-based Jobseeker’s Allowance, Severe Disablement Allowance or Incapacity Benefit after several months because you start work or because you increase your hours of work or your earnings, you may be able to get ‘extended payments’ of Housing Benefit and Council Tax Benefit. This means you will carry on getting these benefits for four weeks at the same rate as before you…

Read More

Benefits of a company or personal pension

Benefits of a company or personal pension

There are many ways to save for retirement, but company and personal pensions have several benefits that can make them an attractive option. This can be especially true if you are saving for the long term. Find out how a pension compares to a savings account. Benefits when you are contributing: tax relief and employer contributions If you put 1 in a savings account, thats all that goes in. For every 1 you put in…

Read More

Bereavement Allowance

Bereavement Allowance

After you’re widowed you may be able to claim Bereavement Allowance, the taxable weekly benefit paid to you for up to 52 weeks from the date of death of your husband, wife or civil partner. Who can claim You may be able to claim Bereavement Allowance if all of the following apply: you’re a widow, widower or surviving civil partner aged 45 or over when your husband, wife or civil partner died you’re not bringing…

Read More

Bereavement Payment

Bereavement Payment

If your husband, wife or civil partner has died you may be able to get Bereavement Payment, a one-off, lump-sum payment of 2,000 that’s tax-free. Who can claim You may be able to claim Bereavement Payment if your husband, wife or civil partner had paid their National Insurance contributions (NICs) or their death was caused by their job and either: you were under State Pension age (60 for women and 65 for men) when they…

Read More

Blind Persons Allowance

Blind Persons Allowance

If you’re certified blind and are on a local authority register of blind persons, or if you live in Scotland or Northern Ireland and are unable to perform any work for which eyesight is essential, you can claim Blind Person’s Allowance. If you can’t use up some or all of your allowance you may be able to transfer it. How Blind Person’s Allowance works Blind Person’s Allowance is added to your tax-free Personal Allowance –…

Read More

Britons living abroad

Britons living abroad

Before you go Preparing to move or retire abroad Cultural awareness Travel and keep safe when living abroad Exporting your vehicle (motoring section) More about before you go Education and jobs while abroad Children and schools Voluntary work abroad Working abroad Studying at an overseas university Teaching English as a Foreign Language (TEFL) Money abroad Benefits National Insurance Pensions More about money Health abroad Travel insurance (travel and transport section) European Health Insurance Card (travel…

Read More

Budgeting Loans

Budgeting Loans

If you’re on a low income and need help with certain important costs, you may be able to get an interest-free Budgeting Loan from the Social Fund that you pay back. Who is eligible? You may be able to get a Budgeting Loan if you or your partner have been claiming or getting paymentof one of the following benefits for at least 26 weeks: Income Support income-related Employment and Support Allowance income-based Jobseeker’s Allowance Pension…

Read More

Bus passes and coach travel for over 60s

Bus passes and coach travel for over 60s

Bus or coach travel is often a cheap option for your journey. There are also many travel concessions on offer on the buses to make getting out and about even more affordable. Local bus travel in England Everyone aged 60 or over who is resident in England is entitled to free off-peak local bus travel anywhere in England using a National Bus Pass. Off-peak travel is when you travel any time between 9.30am and 11.00…

Read More

Can I claim Child Benefit if my child is in further education or training?

Can I claim Child Benefit if my child is in further education or training?

What happens to your Child Benefit payments when your child turns 16? In general, Child Benefit payments stop on 31 August on or after your child’s 16th birthday if they are no longer in education or training. However, if your child continues in approved education or training, Child Benefit payments will continue. During your child’s final year at school, you will be sent a letter asking you to confirm your child’s plans. You are responsible…

Read More

can I get extra tax credits if my child or children are disabled?

can I get extra tax credits if my child or children are disabled?

If your child has a disability, or if you’re responsible for a child with a disability, you may qualify for extra tax credits, to help cover the cost of looking after them. Who can get the extra money? You can get extra tax credits if any one of the following applies: you get Disability Living Allowance for your child your child is registered blind your child came off the blind register in the 28 weeks…

Read More

Can I receive child benefit if my child is 16 or over?

Can I receive child benefit if my child is 16 or over?

Child Benefit normally stops on 31 August after your child’s 16th birthday if they leave education or training. However, if your child is in approved (non-advanced) education or approved training, you can continue to claim Child Benefit for them until they reach 19 and, in certain circumstances, 20 years old. During your child’s final year of school, the Child Benefit office will send you a letter asking you to confirm your child’s plans – that…

Read More

Can you claim tax credits if you live outside of the UK?

Can you claim tax credits if you live outside of the UK?

Subject to certain conditions, it is possible for individuals to claim tax credits even if they live outside the UK. Eligible individuals include: individuals who are considered ‘Crown servants’ posted overseas partners of individuals who are Crown servants posted overseas individuals who are living abroad, but working in the UK (‘cross-border’ workers) parents who live overseas and are in receipt of UK benefits or the State Pension. What is a Crown servant? The Official Secrets…

Read More

Capital Gains Tax

Capital Gains Tax

Capital Gains Tax is payable on capital gains made on selling or disposing of assets, such as property and shares. For example, you may be liable to pay Capital Gains Tax on the gains on your share of partnership assets when you sell or transfer a business. are based on the total of your taxable gains for the tax year, excluding the first £10,100 of your gains in the tax year 2009-10, which is free from…

Read More

Care home standards and how to complain

Care home standards and how to complain

Care homes are regulated by the Care Quality Commission (CQC), which is responsible for monitoring the standards of most private, voluntary and local council care services. Meeting National Minimum Standards The CQC inspects all registered care homes to make sure they meet national minimum standards, which are set by the Department of Health. The CQC only registers care homes if they meet these standards. National minimum standards set acceptable levels of things like: health and…

Read More

Care homes and benefits

Care homes and benefits

A permanent or temporary stay in a care home can affect your benefits. If you are receiving any benefits and your circumstances change, you need to tell the relevant government department. You will probably have to contribute most benefits you get towards your care home fees. Moving into a care home should not affect the mobility component of your Disability Living Allowance (DLA). It will also be disregarded when your local council are calculating how…

Read More

Care homes and hospital

Care homes and hospital

You may decide that moving into a care home when you leave hospital is the right option for you. Your local council can help make the necessary arrangements. If you’re living in a care home, you may need to go into hospital at some point. Going into a care home from hospital If your circumstances have changed or if you are newly disabled – and you need support and perhaps nursing care – a move…

Read More

Carers Allowance

Carers Allowance

Carer’s Allowance is a benefit to help people who look after someone who is disabled. You don’t have to be related to, or live with, the person you care for. The information in this section is a guide only. The Carer’s Allowance Unit – who will handle your claim – can answer any questions you may have about claiming and getting Carer’s Allowance. Who can get Carer’s Allowance? You can get Carer’s Allowance if you’re…

Read More

Changes in income and tax credits

Changes in income and tax credits

If your income goes down during the year tell the Tax Credit Office – you may get more tax credits. You can phone or write, but you can’t tell them online. Also report if your income goes up. It might not change your tax credits for this tax year – but could stop you getting too much next year. How changes in income affect your tax credits If your income in the current tax year…

Read More

Changes that affect your benefit

Changes that affect your benefit

If you get benefits and your circumstances change, tell your local benefits office as soon as possible. Reporting changes quickly, means you’ll get any increase or new benefit faster. For some changes your payments may be reduced. Find out how a change in your circumstances can affect your benefit claim. Changes you need to report You must report any change in your circumstances to your local benefit office as soon as it happens, whether or…

Read More

Changes to pensions

Changes to pensions

Changes to the State Pension from 6 April 2010 The State Pension is changing from April 2010. This means more people will qualify for a full basic State Pension. Find out about the most important changes and what they will mean for you. Qualifying for a State Pension From April 2010, the way you qualify for a State Pension is changing: it will be easier for parents and carers to build up qualifying years of…

Read More

Changes to State Pension for married people and civil partners

Changes to State Pension for married people and civil partners

If you are not entitled to a full basic State Pension, you may be able to increase it. If your spouse/civil partner has some qualifying years from their National Insurance contributions record, you may be able to improve your basic State Pension. Increased basic State Pensions for spouses and civil partners You may be able to get a basic State Pension, or increase your basic State Pension, based on your spouse or partner’s National Insurance…

Read More

Changes to the State Pension age

Changes to the State Pension age

State Pension age is the earliest age at which you can claim your State Pension. It is currently 65 for men and 60 for women. However, the State Pension age is changing and will increase between 2010 and 2046. What are the changes to State Pension age? Currently, the State Pension age is 65 for men born before 6 April 1959.For women born on or before 5 April 1950,StatePension ageis 60. The State Pension age…

Read More

Changes to your childcare arrangements and tax credits

Changes to your childcare arrangements and tax credits

If you are getting tax credits to help with the costs of childcare, it’s important to tell the Tax Credit Office straight away about any changes to your childcare arrangements. These include, for example, changes to your childcare provider, your childcare costs going up or down, getting childcare vouchers from your employer or help with your costs from the local authority. Your childcare provider stops being approved or registered You must tellthe Tax Credit Officeif…

Read More

Changes to your usual working hours and tax credits

Changes to your usual working hours and tax credits

You must work a minimum number of hours a week to get Working Tax Credit – either 16 or 30 depending on your circumstances. If your usual working hours change, you should let the Tax Credit Office know straight away because it may change the amount of Working Tax Credit you get. Number of usual working hours To get Working Tax Credit, you must normally beaged25 or overand work at least 30 hours a week….

Read More

Check if you qualify for tax credits – quick questionnaire

Check if you qualify for tax credits – quick questionnaire

Use this quick online questionnaire to find out if you’re likely to qualify for tax credits. It can help you decide whether to read on about tax credits or make a claim. You will actually need to make a claim to find out for definite if you qualify. Before you start Whether you qualify for tax credits depends on your personal circumstances (such as your age, if you work or have children) and your total…

Read More

Check youre paying the right tax

Check youre paying the right tax

Many people end up paying too much or too little Income Tax but don’t understand why. So it’s important to know how to check you’re paying the right amount. This article tells you what to look for, where to find it and what to do if you find you’re paying the wrong amount. If you’re an employee and/or you get a company pension Your employer or pensionprovider uses your tax code to work out how…

Read More

Child Benefit – do you qualify?

Child Benefit – do you qualify?

Child Benefit do you qualify? You normally qualify for Child Benefit if you have children under 16 (or under 20 and in certain types of education or training) and you live in the UK. Who is eligible? You may be able to get Child Benefit if your child is: aged under 16 aged between 16 and 19(up to 20 in some cases) and is in education or training that qualifies for Child Benefit 16 or…

Read More

Child Benefit – other benefits you might qualify for

Child Benefit – other benefits you might qualify for

If you’re a parent and you get Child Benefit, or you are expecting a baby, you may be able to get other benefits and financial help. Tax credits Tax credits are payments from the government to help you with your everyday costs. The amount of tax credit you get depends on things like: how many children you have living with you whether you work – and how many hours you work if you pay for…

Read More

Child Benefit – which changes you need to report

Child Benefit – which changes you need to report

It’s important to let the Child Benefit Office know of any changes in your circumstances as soon as possible. This will make sure you get the money you’re entitled to without any delays, and also that you don’t get overpaid and have to pay some back. Changes to do with you Some changes in your circumstances can affect your entitlement to Child Benefit. You must tell the Child Benefit Officeas soon as possible if any…

Read More

Child Benefit and birth and adoption certificates

Child Benefit and birth and adoption certificates

When you claim Child Benefit you need to send the Child Benefit Office your child’s original birth or adoption certificate so they can confirm who youre claiming for. The Child Benefit Office cannot normally accept photocopies so if you dont send them the original, this may delay your first payment. Certificates you need to send with your claim form You should send the Child Benefit Office the original of one of the following: your child’s…

Read More

Child Benefit for children in hospital or residential care

Child Benefit for children in hospital or residential care

If your child is ill or disabled and is in hospital or residential care in the UK or abroad you can still get Child Benefit for up to 84 days. If its longer than that, you or your partner need to spend money on them to qualify. What is ‘residential care’? This is accommodation provided by the local authority for your child because he or she has mental or physical disabilities. It can also be…

Read More

Child Benefit for under 18s who leave education or training

Child Benefit for under 18s who leave education or training

The Child Benefit Office can often extend your Child Benefit for up to 20 weeks if your child has left education or training and they’re still under 18. You’ll need to let them know that you want to get your benefit extended. Who qualifies for the extension? If your child is aged 16 or 17, and has left education or training that qualified for Child Benefit, you may be able to get these extra weeks….

Read More

Child Benefit if one or both parents die

Child Benefit if one or both parents die

If you become the main carer for the child or children of someone who’s died, you may be able to get Child Benefit. You may also be able to get an extra payment called Guardian’s Allowance if you’re not the child’s parent. If you’re now responsible for the child Let the Child Benefit Office know as soon as possible about the death of the child’s parent or parents. You need to tell them: the exact…

Read More

Child Benefit if you adopt or foster a child

Child Benefit if you adopt or foster a child

You may be able to get Child Benefit if you live in the UK and you’re adopting or fostering your child. If you get payments towards the cost of your child’s accommodation or basic maintenance from your local authority, you won’t normally be able to get Child Benefit. You’re going to adopt a child If you’re in the process of adopting a child, it is important to apply for Child Benefit as soon as possible….

Read More

Child Benefit if your child dies

Child Benefit if your child dies

If your child has died, your Child Benefit payments will carry on for a short while longer. They could help with the extra costs that you face at this difficult time. What you need to do You will need to tell the Child Benefit Officeas soon as possible if your child or a child you’re responsible for has died. Tell themthe exact date of death too. The Child Benefit Office will record this information and…

Read More

Child Benefit if your child dies

Child Benefit if your child dies

If you are claiming child benefit and your child dies, you should contact the Child Benefit Office as soon as possible.  You will receive payment for eight weeks after the death. However, if your child would have turned 20 before the eight weeks were up then benefit would stop on the date your child would have turned 20. If you have already made a claim If you have already made a claim for child benefit,…

Read More

Child Benefit if your child is in care

Child Benefit if your child is in care

If your child is taken into care or is looked after by a local authority or another public body, your Child Benefit payment may not stop immediately. What you need to do if your child goes into care You must tell the Child Benefit Office as soon as your child goes into care. They will then check if you can continue to be paid. You can tell them online by using the link below, or…

Read More

Child Benefit if your child lives with someone else

Child Benefit if your child lives with someone else

If your child goes to live with someone else, you may be able to keep getting Child Benefit for up to eight weeks. You might be able to get it for longer if you keep contributing towards your child’s upkeep. The first eight weeks after a child leaves home If your child leaves home to live with someone like a friend or relative, the Child Benefit Office willusually keep paying you Child Benefit for the…

Read More

Child Benefit if youre living or working abroad

Child Benefit if youre living or working abroad

You usually have to live in the UK to get Child Benefit. But you may qualify if you live in another European country, are a Crown servant posted overseas, or leave the UK for a short time. Find out if you can get Child Benefit and how to keep your payments up to date. You live in another European country You may be able to get Child Benefit if you are responsible for a child,…

Read More

Child Benefit overpayments

Child Benefit overpayments

Sometimes you may receive too much money from child benefit. This situation is considered an “overpayment” and you must contact the Child Benefit Office immediate if this happens. Why have I been over-paid? Overpayment usually occurs when you have not reported a change in your circumstances to the Child Benefit Office. Such changes in circumstances include: If you leave the UK for longer than eight weeks If your child leaves home If your child is…

Read More

Child Benefit payments stopped or gone down?

Child Benefit payments stopped or gone down?

There could be a number of reasons why your Child Benefit payments have stopped. It might be for the simple reason that your circumstances have changed and the Child Benefit Office don’t know about them. Why has your Child Benefit stopped? There are several reasons why your Child Benefit payments may have stopped. These include: the Child Benefit Office havewritten to you but you haven’t replied to their enquiry your child has turned 16 and…

Read More

Child Benefit payments stopped or gone down? 

Child Benefit payments stopped or gone down? 

There could be a number of reasons why your Child Benefit payments have stopped. It might be for the simple reason that your circumstances have changed and the Child Benefit Office doesn’t know. Why has your Child Benefit stopped? There are several reasons why your Child Benefit payments may have stopped. These include: the Child Benefit Office has written to you but you haven’t replied your child has turned 16 and you haven’t told the…

Read More

Child Benefit rates

Child Benefit rates

You get a higher rate of Child Benefit for your eldest or only child, and then a lower rate for any additional children. Guardian’s Allowance is an extra amount that some people get on top of Child Benefit. How much do you get? The amount of Child Benefit you’ll get depends on: how many children you’re entitled to get Child Benefit for the current rates of Child Benefit When you start getting Child Benefit you’ll…

Read More

Child Benefit rates >> Payment

Child Benefit rates >> Payment

Who can receive Child Benefit? Child Benefit is normally payable to persons who are responsible for children, regardless of whether or not these individuals are their parents. How much is Child Benefit and how often is it paid? The Child Benefit rules state that only one person can receive Child Benefit for each child. The amount of Child Benefit an individual will receive depends on: the number of children the person is entitled to Child…

Read More

Childcare changes – effect on Working Tax Credit

Childcare changes – effect on Working Tax Credit

If you’re claiming help with your childcare costs, tell the Tax Credit Office straight away about any changes to your childcare. For example, a different childcare provider, costs going up or down, getting vouchers from your employer or help with your costs from the local authority. Your childcare provider stops being approved or registered You must tellthe Tax Credit Officeif any of the following applies to your childcare provider: they have lost their registration or…

Read More

Childcare costs – how to work them out for your tax credits claim

Childcare costs – how to work them out for your tax credits claim

You can get extra tax credits to help with the cost of registered or approved childcare that you pay for. The amount of tax credits you’ll get is based on your average weekly childcare costs. Make sure you know how to work out your costs. Why you need to work out your childcare costs You need to work out your average weekly costs accurately if youre: claiming help through tax credits for your childcare costs…

Read More

Childcare vouchers and tax credits – better off calculator

Childcare vouchers and tax credits – better off calculator

Your employer may offer you childcare vouchers to help with your childcare costs. They could be in return for a reduction in your pay – known as a ‘salary sacrifice’. Childcare vouchers may affect the amount of tax credits you can get. This online calculator can help you decide whether – overall – you would be better off taking the vouchers or not. What are childcare vouchers? If you work and pay for childcare, your…

Read More

Choosing a care home

Choosing a care home

Once you have made the decision to move into a care home you need to begin the process of choosing the right one for you as this can often take some time. Your local council can help you choose a care home and, after a financial assessment, may contribute towards the cost. Your right to choose You have the right to choose which care home you live in. If your local council is helping with…

Read More

Choosing and using a pensions adviser

Choosing and using a pensions adviser

If you’re considering taking out a stakeholder or personal pension you can shop around yourself, but it can be a good idea to get financial advice from a specialist before you buy. For information on any pension offered by your employer you need to speak to your HR department. Who can offer pensions advice? Firms must be authorised by the Financial Services Authority (FSA) to advise on financial products such as personal pensions. This means…

Read More

Christmas Bonus

Christmas Bonus

You may be able to get Christmas Bonus, the one-off tax-free 10 payment made before Christmas. This is normally paid automatically to those customers getting a qualifying benefit in the qualifying week and who meet the residency conditions. Who is eligible? To get a Christmas Bonus you must be a resident in the UK, Channel Islands, Isle of Man, Gibraltar, any EEA country, or Switzerland. You must also be entitled to at least one of…

Read More

Claim back tax if youve had too much deducted from your pension

Claim back tax if youve had too much deducted from your pension

If you pay tax on a company, personal (including retirement annuity) or State Pension through PAYE (Pay As You Earn) there are several reasons why you might end up accidentally paying too much. If you’ve overpaid tax, you can claim it back. Reasons why you might have overpaid through your pension Common reasons why you may have overpaid include: your pension provider has used the wrong tax code by mistake or they don’t have the…

Read More

Claiming a tax refund when you stop work

Claiming a tax refund when you stop work

If you’ve just stopped working, you may be able to claim back some of the Income Tax you’ve paid. This could be because you’ve retired, returned to studying or because you’ve become unemployed. This article explains when an Income Tax refund might be due to you and how to claim a repayment if you’ve paid too much tax. When a tax refund might be due A tax year runs from 6 April to 5 April….

Read More

Claiming back Income Tax on behalf of someone who has died

Claiming back Income Tax on behalf of someone who has died

If you’re the bereaved spouse or civil partner or the personal representative of someone who’s died you may be able to claim an Income Tax repayment on their behalf. This article explains when a tax refund might be due and how to claim a repayment. When a tax refund might be due Your spouse, civil partner or the person that you’re representing might have paid too much Income Tax in the tax year they died….

Read More

Claiming back overpaid National Insurance contributions

Claiming back overpaid National Insurance contributions

Whether you’re employed or self-employed, there’s a limit to the amount of National Insurance contributions you need to pay each tax year. If you overpay or wrongly pay National Insurance contributions you can claim the money back. Paying National Insurance contributions You pay National Insurance contributions if you are an employee or are self-employed, and you are aged 16 to State Pension age (currently 65 for men and 60 for women), providing your earnings are…

Read More

Claiming back overpaid National Insurance contributions

Claiming back overpaid National Insurance contributions

There is a maximum amount of National Insurance Contributions (NICs) that must be paid annually, irrespective of whether a person is employed or self-employed. If a person pays more NICs than they need to, they are entitled to claim their overpayments back. 1. Look at what NICs should be paid The NICs payable depend on whether a person is employed or self-employed. Employed If an employed person earns above a specific amount every week (known…

Read More

Claiming back tax or National Insurance at state pension age

Claiming back tax or National Insurance at state pension age

If youve overpaid tax or National Insurance through your job or pension or after completing a tax return you can claim it back. If youre on a low income and have savings you may be able to claim back tax deducted from the savings interest before you received it. Claiming back tax if you’ve had too much deducted from your pension If you pay tax on a company or personal (including retirement annuity) pension or…

Read More

Claiming benefits in Europe

Claiming benefits in Europe

Your rights to claim benefits, tax credits or other financial support are protected by social security arrangements between the UK and other countries in the European Economic Area (EEA). This means you may be able to get UK benefits while living abroad in certain countries. Who can claim benefits in the EEA? You may be able to get benefits and other financial support if any of the following apply: you’ve lived, worked or studied (a…

Read More

Claiming disability benefits if you live in another European country

Claiming disability benefits if you live in another European country

Some disability benefits may be paid to people who have left the UK to live in the European Economic Area (EEA) or Switzerland. Find out which benefits are affected, who can get them and what to do next. Affected benefits The decision affects: Disability Living Allowance (care component only) Attendance Allowance Carer’s Allowance The mobility component of Disability Living Allowance has not been affected by this judgement. Disability Living Allowance

Read More

Claiming tax credits as an appointee

Claiming tax credits as an appointee

Some people can’t make their own tax credits claim because they are unable to manage their own affairs. For example they may not be able to handle money or understand forms. If so, another person – called an appointee – can be given the legal right to act for them. If you’re an appointee for someone, you can make the claim on their behalf. How to decide if you’re an appointee You can only be…

Read More

Claiming the basic State Pension

Claiming the basic State Pension

The earliest you can get the basic State Pension is when you reach State Pension age. Find out how to claim the basic State Pension or how to put off your claim until later and get a higher weekly amount or the option of a one-off taxable lump sum payment instead. Are you entitled to the State Pension? Your entitlement to a basic State Pension is gained by building up enough ‘qualifying years’ before State…

Read More

Cold Weather Payment

Cold Weather Payment

What is the Cold Weather Payment? The Cold Weather Payment is a UK Government grant issued to eligible households when the average temperature is at or below zero degrees Celsius for a period of seven consecutive days. Qualifying households receive 25 for each week of cold weather between 1 November and 31 March (2014/2015). Who qualifies for the Cold Weather Payment? Eligibility for the Cold Weather Payment is based on income rather than savings. Cold…

Read More

Common PAYE Coding Notice entries explained

Common PAYE Coding Notice entries explained

This article explains the most common entries on a PAYE Coding Notice. To find out how they are used to work out the tax you pay read the related article ‘Understanding your PAYE Coding Notice’. Common ‘Allowance and relief’ entries This is the amount of taxable income that you can receive tax-free in the current tax year. Check how much Personal Allowance you should be getting This is a flat rate tax-free allowance which you…

Read More

Community Care Grants

Community Care Grants

If you need financial help to live independently in the community or to ease exceptional pressure on you and your family you may be able to get a Community Care Grant. You don’t have to pay it back. Who is eligible? You can apply for a Community Care Grant if you are either: already getting Income Support, income-related Employment and Support Allowance, income-based Jobseeker’s Allowance, Pension Credit, or payment on accountof one of these benefits…

Read More

Company benefits in your tax code

Company benefits in your tax code

If your employer provides you with company ‘benefits’ or perks – such as medical insurance or a car – you may have to pay tax on them. HM Revenue & Customs (HMRC) will usually include the value of the benefit in your tax code so that they can collect the tax due through PAYE (Pay As You Earn). How HMRC deal with a company benefit in your tax code HMRC will add the value of…

Read More

Complaining about problems with your pension scheme

Complaining about problems with your pension scheme

The sellers of pensions and those who run pension schemes must obey strict rules laid down by regulatory bodies. If you’re concerned that there might be something wrong with your pension scheme or the way it’s being managed, there are organisations that can help. Personal pensions By law, sellers of personal pensions must: be trustworthy they must be authorised by the Financial Services Authority and must show the FSA they employ fit and proper people…

Read More

Completing your tax return (individuals and directors)

Completing your tax return (individuals and directors)

If you are a higher rate tax payer, a company director or have more complicated tax affairs you may need to complete a tax return. You can send your return online or on paper. You have three months longer to send it if you send it online. Sending your tax return online If you send your return online, you can tailorit and just complete the pages you need. You get online help as you work…

Read More

Constant Attendance Allowance

Constant Attendance Allowance

If you need daily care and attention because of a disability and you claim Industrial Injuries Disablement Benefit or a War Disablement Pension, you can claim Constant Attendance Allowance (CAA). Who is eligible? To be eligible for Constant Attendance Allowance you must be claiming one of the following: Industrial Injuries Disablement Benefit War Disablement Pension If you’re claiming Industrial Injuries Disablement Benefit To claim Constant Attendance Allowance you must: need daily care and attention (for…

Read More

Contacts for tax credits advisers

Contacts for tax credits advisers

If you need to contact the Tax Credit Office on someone’s behalf there are different contact points to choose from. The right one to use depends on who you are and what advice you need. You can only contact a particular team or specialist if you have their direct number. Before you make contact Before you can speak to anyone about someone else’s tax credits affairs you’ll need to have authority to act for them….

Read More

Correcting your tax return and claiming any refund

Correcting your tax return and claiming any refund

If you have made an error, missed something off your tax return or think you have paid the wrong amount of tax you may still be able to sort it out. If HM Revenue & Customs (HMRC) accepts your new figures, you’ll receive a repayment or be told how much extra tax to pay. Correcting mistakes within 12 months If you make a mistake on your tax return you have normally got 12 months from…

Read More

Council Tax – who pays and how much

Council Tax – who pays and how much

Council Tax helps pay for local services like policing and rubbish collection. Council Tax applies to all domestic properties, including houses, bungalows, flats, maisonettes, mobile homes and houseboats, whether owned or rented. How Council Tax is worked out All properties were valued and put into a ‘valuation band’ in England these bands are based on their value on 1 April 1991, not their current value. The valuation band determines how much Council Tax you pay….

Read More

Council Tax Benefit

Council Tax Benefit

If youre on a low income, whether you’re working or not, and need financial help to pay your Council Tax bill, you may be able to get Council Tax Benefit. Find out more, including who is eligible and information about the Second Adult Rebate. Who is eligible? To get an estimate of benefits that you may get (whether you’re working or not), including Council Tax Benefit, use the online benefits adviser. Benefits adviser Council Tax…

Read More

Council Tax discounts, exemptions and financial help

Council Tax discounts, exemptions and financial help

Homes in the UK receive a Council Tax bill each year. In some situations, you may be entitled to a discount, or even be exempt from paying the bill at all. Find out about discounts and exemptions you may be able to claim. Ways to pay less Council Tax Your Council Tax bill can be reduced in one or more of the following ways: the reduction for disabilities scheme – if your disability means you…

Read More

Council Tax reduction for carers

Council Tax reduction for carers

Your local council collects Council Tax to pay for services like policing, parks and street lighting. You may be entitled to a reduction in your Council Tax if you are caring for a disabled person. If you and the person you are caring for live in the same property You may be entitled to a Council Tax reduction if you are a carer and you: live in the same property as the person you are…

Read More

Crisis Loans

Crisis Loans

If you need financial help with an emergency or disaster you may be able to get a Crisis Loan; the interest-free loan from the Social Fund that you pay back. Who is eligible? You can apply for a Crisis Loan if all the following apply: you’re aged 16 or over you don’t have enough money to meet your (or your family’s) immediate short term needsin an emergency or as the resultof a disaster without the…

Read More

Cruse Bereavement Care

Cruse Bereavement Care

Cruse is a national charity which provides support services for people who have been bereaved. The helpline offers listening support and practical advice on bereavement related issues and puts people in touch with local Cruse branches that provide a range of services including individual and group support. Cruse Bereavement Care Contact point Cruse Bereavement Care Address PO Box 800SurreyTW9 1RG Phone number Helpline0844 477 9400Administration020 8939 9530 Fax 020 8940 1671 Email address helpline@cruse.org.uk Website…

Read More

Deadlines for renewing your tax credits claim

Deadlines for renewing your tax credits claim

It’s very important that you renew your tax credits claim as quickly as possible. The sooner you do so, the sooner the Tax Credit Office can make sure you get the money you’re entitled to. If you don’t renew by the deadline, your payments will stop. If you received both an Annual Declaration form and an Annual Review notice Return the Annual Declaration form – or give the helpline the information asked for – by…

Read More

Difficulty repaying overpaid tax credits?

Difficulty repaying overpaid tax credits?

If you’ve been overpaid, the Tax Credit Office usually ask you to pay back the extra money. But if that means you can’t meet essential living expenses like rent, gas or electricity bills, call the Tax Credit Helpline to discuss your options. If your payments have gone down The Tax Credit Office might have reduced your tax credits to repay an overpayment. If you’re struggling to pay essential living expenses because of this, get in…

Read More

Direct payments for care and services

Direct payments for care and services

Direct payments are local council payments for people who have been assessed as needing help from social services, and who would like to arrange and pay for their own care and support services instead of receiving them directly from the local council. A person must be able to give their consent to getting direct payments and manage them, even if they need daily help to do this. Who is eligible? If you already receive social…

Read More

Direct payments for disabled children

Direct payments for disabled children

Direct payments, which allow you to arrange care and services yourself instead of receiving them directly from your local council, can be made to parents and carers aged 16 or over. This includes people with parental responsibility for a disabled child. If you have parental responsibility for a disabled child Following an assessment, direct payments can be used for a variety of services which offer your child stimulation, new experiences and independence. These include: short…

Read More

Disability Living Allowance

Disability Living Allowance

Disability Living Allowance – sometimes referred to as DLA – is a tax-free benefit for children and adults who need help with personal care or have walking difficulties because they are physically or mentally disabled. The information in this section is a guide only. The office dealing with your claim can answer any questions you may have about claiming and getting Disability Living Allowance. Who can get Disability Living Allowance? You may get Disability Living…

Read More

Disabled Facilities Grants

Disabled Facilities Grants

A Disabled Facilities Grant is a local council grant to help towards the cost of adapting your home to enable you to continue to live there. A grant is paid where the council considers the changes necessary to meet your needs – and is happy that the work is reasonable and practical. Who is eligible for a Disabled Facilities Grant? You can claim if you, or someone living in your property, is disabled and: you,…

Read More

Disabled Facilities Grants >> Support For Disabled People

Disabled Facilities Grants >> Support For Disabled People

A Disabled Facilities Grant is a sum of money you can receive from your local council. It is intended to help with the cost of altering your home if you are suffering from a disability.  Can I claim a Disabled Facilities Grant? You can claim the Disabled Facilities Grant if you, or someone living in your property, is disabled and: you, or the person on whose behalf you are applying, are either the owner or…

Read More

Disabled Students Allowances – an introduction

Disabled Students Allowances – an introduction

Disabled Students’ Allowances provide extra financial help if you have a disability or specific learning difficulty like dyslexia. They are available on top of the standard student finance package and don’t have to be repaid. This page is an introduction to what is available if you live in England. Who Disabled Students’ Allowances are aimed at Disabled Students’ Allowances are grants to help meet the extra course costs students can face as a direct result…

Read More

Do I have to pay tax if I move abroad?

Do I have to pay tax if I move abroad?

If you go to live and work abroad, you will need to work out where you should pay tax. This is determined by your tax residency status, although even if you are considered non-resident in the UK, you may still be liable to pay UK income tax in some circumstances. When are you deemed tax resident in the UK? In order to be considered and treated as non-resident in the UK for income tax purposes…

Read More

Do I have to repay overpaid tax credits?

Do I have to repay overpaid tax credits?

If you’ve been paid too much in tax credits – an ‘overpayment’ – you may have to pay back the extra money. Help is available if you can’t afford to pay. How do you repay your overpayment? The Tax Credit Office will either reduce your ongoing payments, or they’ll ask you to make a direct payment. This depends on whether you’re still getting tax credits or not. If you’re still getting tax credits If you’re…

Read More

Do you have to pay tax in retirement?

Do you have to pay tax in retirement?

When a person reaches the age of retirement, they may be receiving income from a variety of different sources, including: private pensions state pensions savings and investments. If the person continues to work on a paid basis, wages from employment or self-employment may also form part of their income. State pensions Contrary to popular belief, state pensions are not tax-free. The money received is paid on a ‘gross’ (pre-tax) basis. If the total income from…

Read More

Do you need to complete a tax return?

Do you need to complete a tax return?

If you have relatively straightforward tax affairs and already pay tax through PAYE (Pay As You Earn) you probably won’t need to complete a tax return. But if you have more complicated tax affairs – or income from several sources – you may need to complete one. Who needs to complete a tax return? The most common reasons for needing to fill in a tax return are listed below. If HM Revenue & Customs (HMRC)…

Read More

Do you need to top up your National Insurance contributions?

Do you need to top up your National Insurance contributions?

Your entitlement to the basic State Pension and certain bereavement benefits could be affected if there are gaps in your National Insurance contributions record. You may want to consider filling in the gaps by paying voluntary National Insurance contributions. Whether it will make sense for you to do so will depend on a number of factors. National Insurance contributions and your State Pension The amount of basic State Pension (and certain bereavement benefits) you’re entitled…

Read More

Does Child Benefit affect your other benefits?

Does Child Benefit affect your other benefits?

Child Benefit doesn’t count as income for other benefits. But if you get Housing Benefit or Council Tax Benefit, the office paying you needs to know if you’re getting Child Benefit. This is so they can work out how much to pay you. Does Child Benefit affect your tax credits? Child Benefit doesn’t count as income if you’re applying for tax credits. Does Child Benefit affect your other benefits? Child Benefit doesn’t count as income…

Read More

Early retirement – effect on your pension

Early retirement – effect on your pension

If you retire early, or stop work due to redundancy, ill-health or other reasons, your State Pension and other pensions you’re entitled to may be affected. You need to know all your pension options to make sure you’ll have enough to live on in retirement. Retirement age and claiming your pension Although you can retire at any age, you can only claim your State Pension when you reach State Pension age. State Pension age is…

Read More

Emergency tax codes

Emergency tax codes

An employer uses an ’emergency tax code’ when the correct tax code for an employee is unavailable. An emergency tax code is needed when there is insufficient information about an employee’s income. It is intended as a temporary solution, only to be used until the tax office sends the correct tax code to an employee and their employer. The reason for an employee being placed on an emergency tax code is dependent on their individual…

Read More

Employed and self-employed tax and National Insurance

Employed and self-employed tax and National Insurance

It’s possible to be employed and self-employed at the same time. This could apply to you if, for example, you work for an employer in the week and run your own business at weekends. You pay tax and National Insurance contributions on your employment and self-employment income in different ways. Being both employed and self-employed It’s possible to be both employed and self-employed at the same time. Many people work for an employer and also…

Read More

Employee tax and National Insurance

Employee tax and National Insurance

If you’re employed you pay tax on your wages through a system called PAYE (Pay As You Earn). Your employer uses this system to deduct Income Tax and National Insurance contributions from your wages before they pay you. Gross and net salary The amount you earn before tax and National Insurance are deducted is your ‘gross salary’. The amount you get after tax and National Insurance has been deducted is your ‘net salary’. When you…

Read More

Employer benefits – work them out for your tax credits claim

Employer benefits – work them out for your tax credits claim

When the Tax Credit Office works out your tax credit payments, they take into account the value of certain benefits you receive from your employer. These are called ‘benefits in kind’, and include things like mileage allowance payments for using your own car, or a company car and fuel. Benefits from your employer Benefits in kind from your employer aren’t paid as wages but they are taxable. When you claim or renew your tax credits,…

Read More

Employment and Support Allowance – eligibility

Employment and Support Allowance – eligibility

You may be able to get Employment and Support Allowance if you have an illness or disability that affects your ability to work. Find out if you might be eligible for the two kinds available. Who can get Employment and Support Allowance You may be able to claim Employment and Support Allowance if any of the following apply to you: your Statutory Sick Pay has ended, or you cannot get it you are self employed…

Read More

Employment and Support Allowance – how to claim

Employment and Support Allowance – how to claim

There are several ways you can claim Employment and Support Allowance. The easiest and quickest is by telephone or textphone. Claiming by telephone or textphone You can claim Employment and Support Allowance by telephone or textphone. An adviser at the contact centre will go though the application with you and fill in the form. You will not have to fill in any forms yourself. Lines are open Monday to Friday, from 8.00 am to 6.00…

Read More

Employment and Support Allowance – introduction

Employment and Support Allowance – introduction

Employment and Support Allowance provides financial help to people who are unable to work because of illness or disability. It also provides personalised support to those who are able to work. Find out more about Employment and Support Allowance. About Employment and Support Allowance Employment and Support Allowance offers you personalised support and financial help, so that you can do appropriate work, if you are able to. It gives you access to a specially trained…

Read More

Employment and Support Allowance – rates

Employment and Support Allowance – rates

The amount you get paid depends on your circumstances. There are several things that will be taken into consideration. It also depends on what effect your disability has on your ability to do any work. Rates Weekly rate during the assessment phase The assessment phase rate is paid for the first 13 weeks of your claim while a decision is made on your capability for work through the Work Capability Assessment. Age of claimant Weekly…

Read More

Energy Rebate Scheme

Energy Rebate Scheme

If you are aged 70 or over you may be due a one off rebate for 2010 on your electricity bill. If you are eligible you will probably get this automatically on your electricity bill. Find out now if this help applies to you. Are you eligible? This scheme will deliver a rebate this year on electricity bills to some older people. You may be eligible if, on 26 March 2010, all of the following…

Read More

Entitlement tables for tax credits – getting started

Entitlement tables for tax credits – getting started

The amount of tax credits you may qualify for is based on your family circumstances, how many hours you work and your income. There are some tables that you can use to get an idea of the amount of tax credits you might get over a year based on your approximate total income. What are ‘entitlement tables’? The entitlement tables are what you can use to find out at a glance the amount of tax…

Read More

Expense payments in your tax code

Expense payments in your tax code

If you’re reimbursed for expenses you incurred as part of your job you’ll have to pay tax on the payments. HM Revenue & Customs (HMRC) usually include the expense payment in your tax code and collect any tax due through PAYE (Pay As You Earn). You may get tax relief on these expenses – these will also show in your tax code. Expense payments and tax relief If your employer has reimbursed you for expenses…

Read More

Expenses and allowances on income from property

Expenses and allowances on income from property

If you let out property you can deduct certain expenses and tax allowances from your rental income to work out your taxable profit (or loss). If you have several UK residential lettings you pool the income and expenses together. But you work out holiday letting and overseas letting profits separately. Allowable expenses The expenses you can deduct from letting income (unless it’s under the Rent a Room scheme) include: letting agent’s fees legal fees for…

Read More

Extended Payment of Council Tax Benefit

Extended Payment of Council Tax Benefit

When you go back to work, work more hours or earn more money, some of your benefits may stop. To help you pay your Council Tax you may get an extra four weeks of Council Tax Benefit, called Extended Payment of Council Tax Benefit. Find out more, including who is eligible. Who is eligible? You don’t have to claim an Extended Payment of Council Tax Benefit if you or your partner or civil partner (and…

Read More

Extended Payment of Housing Benefit

Extended Payment of Housing Benefit

When you go back to work, work more hours or earn more money, some of your benefits may stop. To help you pay rent you may get an extra four weeks of Housing Benefit, called Extended Payment of Housing Benefit. Find out more, including who is eligible. Who is eligible? You don’t have to claim an Extended Payment of Housing Benefit if you or your partner or civil partner (and they remain a partner throughout…

Read More

FAQ 09 – My benefit has been overpaid. What do I do?

FAQ 09 – My benefit has been overpaid. What do I do?

Check the amount You should always check how much of the overpayment is repayable. Any amount of benefit you were genuinely entitled to over the period of the overpayment should be taken into account. In some cases it may be possible to reduce the overpayment to take account of other benefits that you did not claim for the same period. Challenging the overpayment You can challenge an overpayment for two reasons. You may think you…

Read More

FAQ 10 – Who is entitled to Pension Credits?

FAQ 10 – Who is entitled to Pension Credits?

Find out about State Pension Credit and who can get it. State Pension Credit is a means-tested benefit administered by the Pension Service. You can get Pension Credit whether or not you are working. There are two parts to Pension Credit: Guarantee Credit and Savings Credit. Guarantee Credit is for people over 60. It works by topping up your income to a basic level, based upon your circumstances. A portion of your income is calculated…

Read More

FAQ 11 – Who is entitled to Tax Credits?

FAQ 11 – Who is entitled to Tax Credits?

Claims for tax credits can be made online, or you can fill in a paper claim form. You can get a form and other information from the Tax Credits Helpline on 0845 300 3900. You will need to give the Tax Credits Office details of a bank account that you want the money paid into. If you need help dealing with tax credits or any other aspect of welfare benefits, we recommend that you speak…

Read More

FAQ 12 – Im returning to work. Do all my benefits stop?

FAQ 12 – Im returning to work. Do all my benefits stop?

Find out which benefits you might still be entitled to once you return to work. If you are returning to work, you won’t necessarily lose entitlement to all your benefits. Disability Living Allowance, Attendance Allowance, Industrial Injuries Benefit and Reduced Earnings Allowance can all be claimed in full whilst you are working. If you are a carer, you may be able to continue claiming Carer’s Allowance in full if you still meet the conditions and…

Read More

FAQ 14 – What benefits are available for people with disabilities?

FAQ 14 – What benefits are available for people with disabilities?

Find out what benefits you could claim if you have a disability. The main disability benefits are Disability Living Allowance for people under 65 years of age and Attendance Allowance for people over 65 years of age. If you are under 65, you can claim Disability Living Allowance for help with: mobility, if you have severe difficulties walking outdoors; and/or personal care, if you need help from another person in connection with bodily functions. Bodily…

Read More

Find the right Inheritance Tax and probate forms

Find the right Inheritance Tax and probate forms

This article outlines the most common forms for Inheritance Tax and probate (or confirmation). The forms you need depend on the value of the estate and where the deceased lived at the time of death. Inheritance Tax forms are part of the probate process even if the estate doesn’t owe Inheritance Tax. Forms for probate (or confirmation) The forms you need for probate (or confirmation) depend on where the deceased lived, and they are filled…

Read More

Finding your Child Benefit number or proving you qualify

Finding your Child Benefit number or proving you qualify

From time to time someone might ask you for your Child Benefit number or proof that you’re getting Child Benefit. So it’s a good idea to keep all your paperwork about Child Benefit together in a safe place in case you need it later on. Why you might need your Child Benefit number If you have received Child Benefit for your child in the past and are now making a new claim for them, it…

Read More

Forecasting your pension

Forecasting your pension

It’s a good idea to check to see how much pension you’ll receive on retirement so that you can take action now if you think you won’t have enough to live on. You can do this by getting a forecast of what your State Pension or other pensions will pay. Getting a personal or company pension forecast You can ask your pension provider for a forecast of what your pension will pay when you retire….

Read More

Free bus travel in England for older and disabled people

Free bus travel in England for older and disabled people

If you are over a certain age you can apply for an older person’s bus pass, which can reduce your travel costs considerably as you can travel on buses for free during off-peak periods.  If you are disabled then you will eligible as long as you meet certain criteria. Older person’s bus pass: Am I eligible for a older person’s bus pass? If you live in England you are entitled to an older person’s bus…

Read More

Free milk, infant formula, vitamins, fruit and vegetables

Free milk, infant formula, vitamins, fruit and vegetables

You may be entitled to free milk, fresh fruit and vegetables, infant formula and vitamins under the Healthy Start scheme. Who is eligible for Healthy Start? You may qualify if youre pregnant and/or have at least one child under four years old and your family gets any of the following: Income Support income-based Jobseeker’s Allowance Child Tax Credit (but not Working Tax Credit unless your family is receiving Working Tax credit run-on only) with an…

Read More

Free prescriptions and sight tests for over 60s

Free prescriptions and sight tests for over 60s

Most health treatment under the NHS (National Health Service) is free, although there can be charges for some things. The information below sets out who is entitled to free prescriptions and NHS sight tests. Free prescriptions who is eligible? You are entitled to prescriptions free of charge if you: are aged 60 or over have a listed medical condition and a valid NHS medicalexemption certificate have made an NHS Low Income Scheme claim and have…

Read More

Free TV licences

Free TV licences

If you’re 75 or over you’re entitled to a free television licence. You can also get TV licence concessions if you’re registered blind or (subject to certain conditions) if you live in nursing or residential care or in sheltered accommodation. Who is eligible? Everyone aged 75 or over can get a free TV licence for their main home. The licence also covers other household members living at the address. If you’re 74 you can apply…

Read More

Funeral Payments

Funeral Payments

If you’re on a low income and need help to pay for a funeral you’re arranging, you may be able to get a Funeral Payment from the Social Fund. You might have to repay some or all of it from the estate of the person who died. Find out more information including how to claim. Who is eligible? You may be able to get a Funeral Payment but it depends on the benefits you’re getting,…

Read More

Further help from charities and not-for-profit organisations for over 50s

Further help from charities and not-for-profit organisations for over 50s

National and local charities and other not-for-profit organisations are a source of help, advice and support for older people and their carers. They can also help you to continue living independently in your own home. Major charities for older people Some large national charities, like Help the Aged and Age Concern, have local branches and offer a wide range of services and social activities. Help the Aged Help the Aged offers a wide range of…

Read More

Get a Pension Credit estimate

Get a Pension Credit estimate

You can get an estimate of how much Pension Credit you may be entitled to. The online calculator that provides your estimate is quick and simple to use. Read this page to find out more about this service and get an estimate now. How to use the Pension Credit calculator The calculator is easy to use and it should take no more than a few minutes to give you an estimate. Simply follow the instructions…

Read More

Get authority to act for someone else

Get authority to act for someone else

How to act on behalf of your tax credits client When you need to be authorised, who can be authorised, how to set it up and what to expect Form for an intermediary to act on someone's behalf Opens new window Go to form TC689 if you want authority to act on someone's behalf for tax credits Claiming tax credits as an appointee How appointees should go about making a claim on behalf of someone…

Read More

Getting a State Pension forecast

Getting a State Pension forecast

This forecast tells you how much State Pension you may get when you reach State Pension age. Find out how you can get a forecast and what information you will need before you apply. You can also get help if you have questions about the forecast you have received. What does a State Pension forecast include? A State Pension forecast gives you an estimate of your: basic State Pension additional State Pension (also called the…

Read More

Getting Child Benefit on behalf of someone else

Getting Child Benefit on behalf of someone else

Very young parents and ill or disabled people with a child or children may find it difficult to make a claim for Child Benefit. They may also find it difficult to collect their payments but you may be able to help them with this. Helping a very young parent get Child Benefit You can fill in a Child Benefit claim form for a very young parent, if they can’t fill it in themselves. It doesn’t…

Read More

Getting credits towards your State Pension

Getting credits towards your State Pension

If you live in the UK you are eligible for a state pension. Contributions to the state pension come from your national insurance payments you pay when you are working or self-employed. However, if you are not working in an official capacity or cannot work for a particular reason, you may be able to claim credits in order to help ensure you get the full state pension when you retire. Unemployed and looking for work…

Read More

Getting help to make your mortgage interest payments

Getting help to make your mortgage interest payments

Homeowners on certain benefits may be able to get help towards mortgage interest payments called Support for Mortgage Interest (SMI). Find out if you are eligible, how to claim SMI and what extra help is available during the economic downturn. SMI what it is and who is eligible You may get help with mortgage interest payments as part of your benefits if you are a homeowner and are eligible for: Income Support income-based Jobseekers Allowance…

Read More

Getting information and help with pensions

Getting information and help with pensions

Information about the different types of pensions is available free of charge from several organisations. Some have advisers who will help you understand your pension options. For advice tailored specifically to your needs, you should consider speaking to an authorised financial adviser, but you may have to pay for their advice. General information General pension information is available from The Pensions Advisory Service, ThePensions Service and from the Financial Services Authority (FSA). The Pensions Advisory…

Read More

Getting proof of tax credits payments if you claim other benefits

Getting proof of tax credits payments if you claim other benefits

From time to time you might have to provide proof that you’re getting tax credits. So it’s a good idea to keep all your tax credits paperwork together in a safe place in case you need it later on. Why you might need proof you’re getting tax credits Sometimes the amount of tax credits you get is taken into account if you’re claiming some other types of benefit. You might have to give proof that…

Read More

Getting ready to renew your tax credits

Getting ready to renew your tax credits

When you get your tax credits renewal pack, you’ll need to check the renewal forms very carefully. This will help make sure the Tax Credit Office has the right details about your personal circumstances. To do this, you’ll find it helpful to have the right paperwork to hand. What you’ll need when looking at your renewal pack If you get tax credits, you usually get a renewal pack each year between April and June. As…

Read More

Getting tax-free interest on savings or claiming tax back

Getting tax-free interest on savings or claiming tax back

If you’re on a low income and have savings with a bank or building society you could be paying tax on your interest when you don’t need to. If this is the case, you can register to have the interest paid tax-free. You can also claim a refund of any tax you’ve overpaid. Who can get tax-free savings interest? Banks and building societies usually deduct 20 per cent tax from the interest they pay on…

Read More

Gifts that are exempt from Inheritance Tax

Gifts that are exempt from Inheritance Tax

If your estate is worth more than the Inheritance Tax threshold – 325,000 for the 2009-10 tax year – there are some important Inheritance Tax exemptions that allow you to make gifts to others and not have to pay tax on them when you die. Exempt beneficiaries or ‘donees’ You can make gifts to certain people and organisations without having to pay any Inheritance Tax. These gifts are exempt whether you make them during your…

Read More

Going abroad temporarily and claiming tax credits

Going abroad temporarily and claiming tax credits

To claim tax credits you normally have to live in the UK. However, you can still qualify if you leave to go abroad temporarily. Ordinarily resident in the UK To qualify for tax credits, you must be ‘ordinarily resident’ in the UK. This means you normally live in the UK, and have chosen to stay and settle here for the time being. When the Tax Credit Officedecide if you’re ordinarily resident in the UK they’ll…

Read More

Guardians Allowance

Guardians Allowance

Guardians Allowance Guardian’s Allowance is a tax-free payment for people who are bringing up children whose parents have died. In certain circumstances you may qualify for Guardian’s Allowance where only one parent has died. Do you qualify? You can usually get Guardian’s Allowance as long as: youre bringing up someone elses child or children and both their parents have died you qualify for Child Benefit for the child or children youre bringing up You can’t…

Read More

Guide if you are about to retire

Guide if you are about to retire

To enjoy your retirement, you’ll need to make sure that your finances are properly organised so that you have the money in retirement to enable you to do what you want to do. If you’re going to retire soon, there are some things that you might find it helpful to think about. Pension Tracing Service trace a personal or company pension scheme It can be easy to lose track of a pension if you have…

Read More

Guide to benefits in retirement

Guide to benefits in retirement

According to Government figures, over one million pensioners are not claiming the benefits they are entitled to (2014/15). This guide outlines the benefits that can be claimed in retirement. State Benefits The Government provides various benefit payments to boost retirement income. Some of these benefits are ‘means’ (income) tested while others are universal. Pension Credit Pension Credit is a tax-free supplement to the State Pension. It is for pensioners on a low income and consists…

Read More

Guide to care homes for over 50s

Guide to care homes for over 50s

Health, mobility and finances may affect decisions you make about your housing arrangements. You may need a level of support that cannot be provided in your home. Once you have made the decision to move into a care home you need to begin the process of choosing the right one for you. Choosing a care home You have the right to choose your care home. There are lots to choose from, but finding one that…

Read More

Guide to concessions and other help

Guide to concessions and other help

There are a number of concessions and other kinds of help available if you’re 50 or over. They may make it easier for you to afford or do the things you want to including looking after yourself, travelling for less and getting a free TV licence. What help is available National and local charities and other not-for-profit organisations can be a useful source of help, advice and support for older people and their carers. Some…

Read More

Guide to financial support for carers

Guide to financial support for carers

There is a range of benefits, tax credits and other financial support that you may be able to receive as a carer. This is a general overview. Carer’s Allowance You may be able to claim Carer’s Allowance if you are aged 16 or over and you spend at least 35 hours a week caring for someone. Carer’s Allowance – introduction Direct payments for carers If you have been assessed by your local council as needing…

Read More

Guide to financial support for disabled people

Guide to financial support for disabled people

There is a wide range of disability-related financial support, including benefits, tax credits, payments, grants and concessions. This is a general overview with links to detailed information. Main disability and sickness benefits Disability Living Allowance This is a tax-free benefit for people who have a disability and need someone to help look after them or have walking difficulties. You must claim before you reach age 65. Attendance Allowance This is a tax-free benefit for people…

Read More

Guide to information for carers

Guide to information for carers

If you are a carer, you may also be entitled to help and support. A ‘carer’ means someone who looks after a friend, relative or neighbour who needs support because of their age, sickness or disability. Managing your affairs and lasting power of attorney There may come a time when, because you are incapable of managing your property and financial affairs or personal welfare, you will need someone to do this for you. You can…

Read More

Guide to medical checks and support

Guide to medical checks and support

Regular medical checks are available to help you to spot any potential medical problems. Some health services may be available to you for free or at a concessionary rate such as sight tests, dental care, prescriptions and immunisations. Support is also available for instances of elder abuse. Medical checks and staying healthy Certain health conditions become more common with age. Having routine medical tests is a good way to spot any potential problems and give…

Read More

Guide to planning your money for retirement

Guide to planning your money for retirement

Planning for your retirement is important. You may look forward to your retirement as a time when you can have the freedom to do what you want. Before you retire, it’s worth planning your finances to make sure you get the most out of this time in your life. Planning your future – get set for retirement It’s important to start preparing early for retirement. As well as money, you need to think about your…

Read More

Guide to staying in your home

Guide to staying in your home

When living independently becomes more challenging there’s extra help available such as financial assistance, domestic services or housing options that give you the added security of calling on someone in an emergency. Support to stay in your own home If you want to live as independently as possible, you may need support to stay in your own home. The social services department of your local authority can provide a wide range of services, from financial…

Read More

Guide to supported housing schemes for over 50s

Guide to supported housing schemes for over 50s

You may need a level of support that cannot be provided in your current home but there is no need to go into a full-time care home. Health, mobility and finances will affect the decisions you make about your housing arrangements, but there’s a wide range of options that will improve your quality of life without losing your independence. Housing options and your local council Your local council can tell you about its services and…

Read More

Having a baby or adopting?

Having a baby or adopting?

If you are having a baby or adopting a child If you have a job, you may get Statutory Maternity Pay (SMP) or Statutory Adoption Pay (SAP) from your employer. These benefits are the minimum amount that an employer must pay you while you are off work having a baby or when you have just adopted a child. Whether you can get these benefits depends on how much you earn and how long you have…

Read More

Health abroad

Health abroad

European Health Insurance Card (travel and transport section) Travel insurance, vaccines and the European Health Insurance Card for holidaymakers Travel insurance (travel and transport section) Guide to taking out a travel insurance policy to protect you should things go wrong

Read More

Health in Pregnancy Grant

Help if you have little or no pension

Help if you have little or no pension

By planning ahead you can make sure you have enough pension when you retire. If you do end up with little or no pension you may be able to get Pension Credit, and may be entitled to a non-contributory State Pension if you are over 80. Will you get any State Pension? You qualify for the State Pension by building up enough qualifying years. A qualifying year is a tax year in which you have…

Read More

Help with childcare costs – do you qualify for extra tax credits?

Help with childcare costs – do you qualify for extra tax credits?

If you work, you could get extra tax credits to help with your childcare costs. You can claim as soon as you start paying for childcare, and only for the amounts that are actually paid by you. What childcare qualifies? You must use registered or approved childcare. This can include nurseries, childminders, foster carers, out of school hours clubs and nannies. There are different registration and approval rules for each part of the UK. Check…

Read More

Help with heating your home

Help with heating your home

If you need help to pay for heating or to improve insulation in your home, you may be able to get money from a government grant scheme, depending on where you live. Warm Front in England and Wales Warm Front is a government-funded initiative that provides a package of home insulation and heating improvements. If you’re aged 60 or over and own your own home or rent it from a private landlord, you may get…

Read More

Help with the Child Benefit claim form

Help with the Child Benefit claim form

To claim Child Benefit, you’ll need to fill in a claim form as fully and accurately as you can. This guide applies to the paper version of the Child Benefit claim form, and it can help you answer some of the main questions. Before you start Decide who should fill in the form. Usually whoever fills it in gets the payments. But you may be able to claim on behalf of someone else if they…

Read More

Help with the tax credits renewal pack

Help with the tax credits renewal pack

Each year you will get a tax credits renewal pack. You need to check your renewal forms and make sure you report the right information to the Tax Credit Office. This will help them check if you were paid the right amount of money in the year just ended – and that your payments are right for the coming year. The Annual Review notice As well as telling you how to renew your tax credits,…

Read More

Home Responsibilities Protection

Home Responsibilities Protection

Home Responsibilities Protection (HRP) is not a benefit but a scheme which helps protect your State Pension. HRP can help if you’re not paying National Insurance contributions because you don’t work, or your earnings are low because you’re caring for a child, or a sick or disabled person. Who is eligible Depending on your circumstances you may either qualify automatically for HRP or you may have to apply. Qualifying automatically for Home Responsibilities Protection You…

Read More

Hospital stays and your benefits

Hospital stays and your benefits

Going into hospital may affect any benefits you receive, including Disability Living Allowance, Attendance Allowance, Employment and Support Allowance and Incapacity Benefit. If someone receives Carer’s Allowance because they are caring for you, this may also be affected if you go into hospital. Disability Living Allowance If you go into hospital, nothing will usually happen to your Disability Living Allowance (DLA) straight away. If DLA is paid for someone aged 16 or over, it will…

Read More

How benefits and pensions are paid

How benefits and pensions are paid

Direct Payment into an account is the normal method of payment for benefits and pensions. It is a safe, convenient, and efficient method of payment. Find out how Direct Payment gives you flexibility to choose where and when to collect your money, and access a wide range of other financial services. Advantages of using an account You can choose to have your money paid into one of a variety of accounts. These can be a…

Read More

How benefits are taxed

How benefits are taxed

Some social security benefits count as taxable income and others don’t. It’s important to understand which do and don’t count for tax purposes – to make sure you pay the right amount of tax. Taxable benefits If you’re a Self Assessment taxpayer, you’ll need to make sure that you include any taxable benefits you’re getting in your overall income. The most common taxable benefits are: Bereavement Allowance some Incapacity Benefit payments – not taxable for…

Read More

How changes can affect your Child Benefit payments

How changes can affect your Child Benefit payments

If you are getting Child Benefit your payments could be different, stop or be delayed if there’s a change in your – or your child’s – circumstances. It’s worth knowing how changes in your life could affect your Child Benefit payments. Changes that may stop entitlement The Child Benefit Officewill stop paying you Child Benefit if you: leave your family home and stop paying money for your child leave the UK permanently leave the UK…

Read More

How claiming Child Benefit can protect your State Pension

How claiming Child Benefit can protect your State Pension

If you’re at home looking after children, or you’re a working parent who doesn’t earn enough to pay National Insurance contributions (NICs), there’s a scheme to protect your State Pension. Home Responsibilities Protection (HRP) can protect your State Pension entitlement if you get Child Benefit. How HRP works HRP isn’t a benefit, it’s a way of safeguarding how much State Pension you’ll get. Your State Pension is based on the number of ‘qualifying years’ you…

Read More

How do I check my tax credits award notice?

How do I check my tax credits award notice?

If you qualify for tax credits, the Tax Credit Office will send you an award notice telling you how much you will get – based on the information you gave on your claim form. You need to check the award notice carefully and tell the Tax Credit Office within one month if anything is wrong, missing or incomplete. What is an award notice? The award notice is in three parts: section 1 is about you…

Read More

How do I claim Housing Benefit?

How do I claim Housing Benefit?

If you are unemployed or on a low income, you may be entitled to Housing Benefit to help you with some or all of your rent payment (depending on your income and circumstances).   Who is eligible for Housing Benefit? You may be eligible for Housing Benefit if you satisfy the following criteria: You pay rent You are on a low income or claiming benefits Your savings are below the threshold – normally £16,000. If…

Read More

How do I claim Working Tax Credit?

How do I claim Working Tax Credit?

Working Tax Credit is money given to people who are in low-income employment – whether they are employees, self-employed or a combination of the two.   Are you eligible for Working Tax Credit? You will be eligible for Working Tax Credit if either of the following conditions apply: You are aged 16 to 24 and have a child or a qualifying disability You are 25 or over, with or without children.   To receive Working…

Read More

How do I contact HM Revenue and Customs (HMRC)?

How do I contact HM Revenue and Customs (HMRC)?

When you get in touch with HM Revenue & Customs (HMRC), it will save you time and effort if you know who to contact. If they write to you, you should usually reply to whoever sent you the letter. If you have a more general enquiry, here are some ways of finding the right contact. General enquiries HMRC has a number of different contact points depending upon what your query is about. Check HMRC contact…

Read More

How do my disability benefits affect my tax credits payments?

How do my disability benefits affect my tax credits payments?

If you’re claiming disability benefits for yourself or your child, you may qualify for extra tax credits – on top of other benefits you’re getting. Some disability benefits are also taken into account when the Tax Credit Office works out how much tax credits you’re entitled to. What are the benefits that can help you qualify for extra tax credits? If you or your partner are working and have a disability Certain sickness or disability-related…

Read More

How much income will you have in retirement?

How much income will you have in retirement?

As you approach retirement you’ll need to look at a range of sources to estimate how much income you’ll have. These include the State Pension, personal or company (occupational) pension schemes, state benefits you may qualify for on retirement and your savings or investments. State Pension If you’re entitled to the basic State Pension you can claim it from State Pension age even if you carry on working. State Pension age is currently 65 for…

Read More

How non-UK benefits affect tax credits

How non-UK benefits affect tax credits

If you or your partner get social security benefits from another country, they usually count towards your income for working out tax credits. But if they are ‘family benefits’, for example benefits paid because you have a family, they don’t count as income if you claim Child Tax Credit. But they may affect how much tax credits you’re paid. Non-UK benefits that count towards your income The amount of tax credits you get depends on…

Read More

How overpayments of tax credits can happen

How overpayments of tax credits can happen

The Tax Credit Office work out how much to pay you from what you tell them about your income and family circumstances. Sometimes they can pay you too much money, an overpayment. This can happen for a variety of reasons. Why you may have been overpaid You could have built up an overpayment if: you didn’t tell the Tax Credit Office about a change of circumstance that affects your payments – such as a child…

Read More

How tax credits affect other benefits

How tax credits affect other benefits

Getting tax credits won’t normally affect any other benefits you get. But there are some benefits that take tax credits into account when the money you’ll get is being worked out. Its worth checking how tax credits might affect other benefits before you make your claim. Which other benefits may be affected Some benefits you might get are ‘means tested’. This means that the money you get depends on: how much you’ve got coming in…

Read More

How tax credits affect other benefits

How tax credits affect other benefits

Getting tax credits won’t normally affect any other benefits you get. But there are some benefits that take tax credits into account when the money you’ll get is being worked out. Its worth checking how tax credits might affect other benefits before you make your claim. Other benefits that may be affected Some benefits you might get are ‘means tested’. This means that the money you get depends on: how much you’ve got coming in…

Read More

How to act on behalf of your tax credits client

How to act on behalf of your tax credits client

Some people – often known as clients – might ask you to deal with their tax credits on their behalf. You usually need to have your client’s authority to act on their behalf but not if you want to give them general advice. The steps involved in becoming authorised depend on who you are, and what you will be doing for your client. Who can be asked to act on someones behalf? People who might…

Read More

How to appeal against a benefits decision

How to appeal against a benefits decision

If you think a decision about your benefits is wrong, you can ask the office that made the decision to explain it. You can also ask to get the decision reconsidered and, if you’re still unhappy, you can appeal against the decision to an independent tribunal. If you disagree with a benefits decision When the benefits office sends you a letter about their decision, if you do not agree, you can ask them to explain…

Read More

How to appeal against your Council Tax bill

How to appeal against your Council Tax bill

If you think your Council Tax bill is wrong, tell your council immediately. Make sure you keep paying the bill unless you have made other arrangements with the council. You can also appeal against your bill. What to do if you disagree If you disagree with your councils decision about the bill or your responsibility to pay Council Tax, you should contact the council to try to resolve the matter. After youve contacted the council,…

Read More

How to avoid being paid too much or not enough tax credits

How to avoid being paid too much or not enough tax credits

Tax credits are flexible and change when your life changes. If you tell the Tax Credit Office about a change, they work out the new amount of tax credits to pay you. Your new payments may mean they have been paying you too much money (an overpayment) or too little money (an underpayment). Check the information on your claim form is correct The Tax Credit Officeuse the details you give themon your claim form to…

Read More

How to avoid being paid too much or not enough tax credits

How to avoid being paid too much or not enough tax credits

Tax credits are flexible and change when your life changes. If you tell the Tax Credit Office about a change, they’ll work out your new amount of tax credits. Your new payments may mean you’ve been getting too much money (an overpayment) or too little money (an underpayment). Check the information on your claim form is correct The Tax Credit Office use the details you give them on your claim form to work out your…

Read More

How to avoid common mistakes on your tax credits claim form

How to avoid common mistakes on your tax credits claim form

If you make mistakes or don’t answer all the questions that apply to you when filling in your tax credits claim form, it can cause delays. This means you will have to wait longer for your first payment. Filling in the form Your claim form will be read by a machine so it’s important to: use black ink write inside the boxes – use one box for each letter and leave a space between words…

Read More

How to change your bank account details for Child Benefit payments

How to change your bank account details for Child Benefit payments

The Child Benefit Office usually pays Child Benefit into your bank or building society account. Tell them as soon as possible if you want to change the account your Child Benefit goes into, otherwise your payments may be delayed. What you need to check before you change your account details Before you tell the Child Benefit Officeabout the change, make sure that the account is in any one of the following names: your own name…

Read More

How to claim benefit

How to claim benefit

The government has a range of benefits to provide opportunities and support. These are handled by various departments and agencies. If you are entitled to any of these benefits, you will need to claim them from the right place. The different types of benefit Benefits are available for people of working age, for pensioners, for families and children, and for disabled people and their carers. Each of these areas is handled by different departments or…

Read More

How to claim Child Benefit

How to claim Child Benefit

The only way to claim Child Benefit is to fill in a Child Benefit claim form and send it to the Child Benefit Office along with your child’s birth or adoption certificate. You can’t claim over the phone or the internet. Where to get the claim form There are several ways of getting a claim form. You can: get one from the ‘Bounty Pack’ that’s given to new mothers in hospital fill in a Child…

Read More

How to claim Child Benefit

How to claim Child Benefit

The only way to claim Child Benefit is to fill in a Child Benefit claim form. You need to send the claim form to the Child Benefit Office along with your child’s birth or adoption certificate. You can’t claim over the phone or the internet. Where to get the claim form There are a couple of ways of getting a claim form. You can: get one from the ‘Bounty Pack’ that’s given to new mothers…

Read More

How to complain to HM Revenue & Customs

How to complain to HM Revenue & Customs

In most cases, your dealings with HM Revenue & Customs (HMRC) should be routine and cause you no difficulties or inconvenience. However, mistakes and delays can occur, or you may feel unhappy with how you’ve been dealt with. Whatever the problem, you have the right to complain about poor service. How to complain Whatever the nature of your dealings with HMRC, if you’ve had a bad experience, the sooner you let them know, the sooner…

Read More

How to complain to the Child Benefit Office

How to complain to the Child Benefit Office

In most cases, your dealings with the Child Benefit Office should be easy and cause you no difficulties or inconvenience. However, mistakes and delays can happen, or you may feel unhappy with how you have been dealt with. Whatever the problem, you have the right to complain about poor service. When to complain If you’ve had a bad experience, let the Child Benefit Office know as soon as possible. You may want to complain about:…

Read More

How to complain to the Child Benefit Office

How to complain to the Child Benefit Office

In most cases, your dealings with the Child Benefit Office should be easy and cause you no difficulties or inconvenience. However, mistakes and delays can happen, or you may feel unhappy with how you have been dealt with. Whatever the problem, you have the right to complain about poor service. When to complain If you’ve had a bad experience, let the Child Benefit Officeknow as soon as possible. You may want to complain about: an…

Read More

How to correct mistakes in your tax

How to correct mistakes in your tax

If you think you’ve paid the wrong amount of Income Tax, or made a mistake on your Self Assessment tax return, let HM Revenue & Customs (HMRC) know as soon as possible. It’s usually quite easy to put things right by following a few simple steps. Why you could have paid too much or too little tax You might have paid the wrong amount of tax because: your employer used the wrong tax code you…

Read More
1 2 3