Pension Contribution while on UC

Sucker_for_sweeties

We are a couple with a joint UC claim.
Partner with LCWRA
One child
No housing costs/element
1 x carer element
less my earnings deduction and partners ESA entitlement.
I am employed

We would like to pay some money into a SIPP for my partner who has very little by way of pension savings, only a small amount from minimum auto enrolment when on low wages.
He will be restricted to non earner annual limit but we are unlikely to be able to save that much anyway.
Partner receives new style ESA, no income top up as I work.

Are we allowed to do that while on UC, would we have to report this manually each month on our journal and would it affect our current award amount.

Thanks for any help/advice

huckster

Yes it is allowed and for UC payment calculations if you provide evidence each month, they can take the pension amount paid into account when working out the UC net amount due. Read the link below about personal pension contributions.

https://www.entitledto.co.uk/help/pension-contributions#:~:text=For Universal Credit all one,pension contributions made by employers.

Icequeen1

huckster said:

Yes it is allowed and for UC payment calculations if you provide evidence each month, they can take the pension amount paid into account when working out the UC net amount due. Read the link below about personal pension contributions.

https://www.entitledto.co.uk/help/pension-contributions#:~:text=For Universal Credit all one,pension contributions made by employers.

I wonder if it would be allowed in this situation. The pension contributions are for the non-working partner. Regulation 55(5) of the UC regs only allows pension contributions to be deducted 'in calculating the amount of a person's employed earnings'. The person in this case doesn't have any. Also, you can only deduct relievable contributions 'made by the person in that period'. They won't be as far as I can tell. 

kaMelo

The non earner can contribute to a pension, subject to the £2880 limit for non earners, but it wouldn't change anything in regard to UC calculations as they have no earnings from which contributions can be deducted.

Sucker_for_sweeties

kaMelo said:

The non earner can contribute to a pension, subject to the £2880 limit for non earners, but it wouldn't change anything in regard to UC calculations as they have no earnings from which contributions can be deducted.

Icequeen1 said:

huckster said:

Yes it is allowed and for UC payment calculations if you provide evidence each month, they can take the pension amount paid into account when working out the UC net amount due. Read the link below about personal pension contributions.

https://www.entitledto.co.uk/help/pension-contributions#:~:text=For Universal Credit all one,pension contributions made by employers.

I wonder if it would be allowed in this situation. The pension contributions are for the non-working partner. Regulation 55(5) of the UC regs only allows pension contributions to be deducted 'in calculating the amount of a person's employed earnings'. The person in this case doesn't have any. Also, you can only deduct relievable contributions 'made by the person in that period'. They won't be as far as I can tell. 

Thanks everyone, I didn't think it would be able to be offset as partner only has unearned income.
I don't think I will have to report any payments made to his pension on the journal in that case, yes?

Spoonie_Turtle

Sucker_for_sweeties said:

kaMelo said:

The non earner can contribute to a pension, subject to the £2880 limit for non earners, but it wouldn't change anything in regard to UC calculations as they have no earnings from which contributions can be deducted.

Icequeen1 said:

huckster said:

Yes it is allowed and for UC payment calculations if you provide evidence each month, they can take the pension amount paid into account when working out the UC net amount due. Read the link below about personal pension contributions.

https://www.entitledto.co.uk/help/pension-contributions#:~:text=For Universal Credit all one,pension contributions made by employers.

I wonder if it would be allowed in this situation. The pension contributions are for the non-working partner. Regulation 55(5) of the UC regs only allows pension contributions to be deducted 'in calculating the amount of a person's employed earnings'. The person in this case doesn't have any. Also, you can only deduct relievable contributions 'made by the person in that period'. They won't be as far as I can tell. 

Thanks everyone, I didn't think it would be able to be offset as partner only has unearned income.
I don't think I will have to report any payments made to his pension on the journal in that case, yes?

That's correct.  What you do with your income in an assessment period is of no interest to them.