Can I reclaim tax on pension contributions?

Josanne66

I have two pension schemes one with USS and is a defined contribution (my present employer) and an L&G run stakeholder pension. 

I pay contribution to the USS scheme directly through my salary before tax. 

However, I pay the L&G contribution after my salary is taxed.
Can I elect that the L&G pension contribution is taken directly from salary as with the USS scheme? If so, how can I do this & can I claim back any tax I have paid in the past?
Thanks

Albermarle

If you check your L& G pension statement ( on line normally) you should see that they will add basic rate tax relief to your contributions automatically . So no need to make any extra claim unless you happen to be a higher rate taxpayer.

dunstonh

Can I elect that the L&G pension contribution is taken directly from salary as with the USS scheme?

It is highly unlikely an employer would agree to that unless it is their own AVC scheme.

so, how can I do this & can I claim back any tax I have paid in the past?

You don't need to as you get tax relief at source to basic rate.     Only higher or additional rate tax needs to be claimed from HMRC.  i.e. if your gross contribution is £100pm then your direct debit is £80pm. (assuming England & Wales)

Dazed_and_C0nfused

Josanne66 said:

I have two pension schemes one with USS and is a defined contribution (my present employer) and an L&G run stakeholder pension. 

I pay contribution to the USS scheme directly through my salary before tax. 

However, I pay the L&G contribution after my salary is taxed.
Can I elect that the L&G pension contribution is taken directly from salary as with the USS scheme? If so, how can I do this & can I claim back any tax I have paid in the past?
Thanks

No you won't be able to do that.

But you should be getting 25% added by L&G each time you make a payment to the stakeholder pension.

If you pay intermediate or higher rate tax then you may be a reduction in your own personal income tax liability as well.