Salary Sacrifice and Tax Relief

MallyGirl

Ours has a limit of 70% - I only found out by selecting 80% to maximise NI savings one month and they put it through using 2 different methods , without consultation.

Dox

zagfles said:

Robert_McGeddon said:

garmeg said:

I paid no employee contributions into my work pension scheme. It was all done by salary sacrifice with no identified employee contributions. The employer paid in 50% of the employer NI saving on the sacrificed salary as well.

I understand sal sac can be effected this way. Perhaps the OP will return and post to confirm this to be the case. If it's instead deduction + sal sac then the RL rep may have a point.

Why would any employer do partial sal sac and partial RAS? It would make no sense except for employees whose salary is above the personal allowance but whose pension conts take them below the personal allowance, which clearly doesn't apply to the OP. And I doubt any employer actually goes to those lengths.

Where 'full' salary sacrifice takes them below minimum wage.