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Recently widowed and paying more tax on £6268
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cherry76 said:Keep_pedalling said:cherry76 said:She will only get 50%of her husbands nhs pension. She has her own nhs and state pension. This does not make sense. Will need to query this with HMRC. I think she said she got an extra £300 every 4 weeks on state pension.
And that normally happens just before they make a payment so it seems odd your mum hasn't received a payment yet for this new pension?
She was presumably already getting State Pension but is she now expecting to get more than she previously got?
Have you seen any paperwork which shows either the updated State Pension or amount for the new NHS pension?
Do you know for a fact what your dad was getting from his NHS pension? It isn't inconceivable that a 50% inherited pension could be £24k.
Which if correct will mean she is almost certainly moving into higher rate territory for 2025-26.0 -
I think the two NHS pensions + state pension will put her into 40% tax bracket - that tax does sound about right1
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cherry76 said:Keep_pedalling said:cherry76 said:She will only get 50%of her husbands nhs pension. She has her own nhs and state pension. This does not make sense. Will need to query this with HMRC. I think she said she got an extra £300 every 4 weeks on state pension.0
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She will be receiving £282 a week from April.0
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Dazed_and_C0nfused said:cherry76 said:Keep_pedalling said:cherry76 said:She will only get 50%of her husbands nhs pension. She has her own nhs and state pension. This does not make sense. Will need to query this with HMRC. I think she said she got an extra £300 every 4 weeks on state pension.
And that normally happens just before they make a payment so it seems odd your mum hasn't received a payment yet for this new pension?
She was presumably already getting State Pension but is she now expecting to get more than she previously got?
Have you seen any paperwork which shows either the updated State Pension or amount for the new NHS pension?
Do you know for a fact what your dad was getting from his NHS pension? It isn't inconceivable that a 50% inherited pension could be £24k.
Which if correct will mean she is almost certainly moving into higher rate territory for 2025-26.0 -
cherry76 said:Dazed_and_C0nfused said:cherry76 said:Keep_pedalling said:cherry76 said:She will only get 50%of her husbands nhs pension. She has her own nhs and state pension. This does not make sense. Will need to query this with HMRC. I think she said she got an extra £300 every 4 weeks on state pension.
And that normally happens just before they make a payment so it seems odd your mum hasn't received a payment yet for this new pension?
She was presumably already getting State Pension but is she now expecting to get more than she previously got?
Have you seen any paperwork which shows either the updated State Pension or amount for the new NHS pension?
Do you know for a fact what your dad was getting from his NHS pension? It isn't inconceivable that a 50% inherited pension could be £24k.
Which if correct will mean she is almost certainly moving into higher rate territory for 2025-26.
Tax is based on the taxable income and £1,600/month in his bank account is £19,200/year. If that is money hitting his account then it could easily be £30k+ in taxable income that he was getting, depending on the tax code that was being used.
It might be some income has been overstated but you definitely need to establish the facts before trying to change anything with HMRC.
If your mum delves around her tax account she should be able to see details of exactly what has been reported to HMRC for the 2024-25 tax year for each of the NHS pensions.0 -
I know nothing about tax but I am widowed and my late husband was an NHS employee.
When he died I received 3 months of his full pension then it dropped to half of his pension and will remain at that for my lifetime.
Could it be that, given your Father's death is very recent, HMRC think your Mum is getting his full pension (which she will be at the moment) and that this will continue?4 -
Rusty190 said:I know nothing about tax but I am widowed and my late husband was an NHS employee.
When he died I received 3 months of his full pension then it dropped to half of his pension and will remain at that for my lifetime.
Could it be that, given your Father's death is very recent, HMRC think your Mum is getting his full pension (which she will be at the moment) and that this will continue?
"..Plus a short term pension equal to the rate of the member’s pension in payment for the first 3 months or 6 months if there is at least one eligible dependent child"1 -
Flugelhorn said:Rusty190 said:I know nothing about tax but I am widowed and my late husband was an NHS employee.
When he died I received 3 months of his full pension then it dropped to half of his pension and will remain at that for my lifetime.
Could it be that, given your Father's death is very recent, HMRC think your Mum is getting his full pension (which she will be at the moment) and that this will continue?
"..Plus a short term pension equal to the rate of the member’s pension in payment for the first 3 months or 6 months if there is at least one eligible dependent child"
So a more realistic figure, for that new pension, might be £12k plus whatever the 2025-26 inflation increase is for the NHS pension scheme (4.1%?)
And that might have a knock on effects to the code for the original NHS pension as it may take higher rate tax out of the equation.0 -
Dazed_and_C0nfused said:
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