New job with ‘relief at source’ pension - how does this work with Universal Credit?

HaircutHel

Currently working in the public sector where pension contributions are made before tax, so UC just use my net pay each month. New job is with Nest and apparently ‘relief at source’. Does this mean I will have to report the contributions made each month to UC, as they are made from net pay, and no doubt have a battle about the fact they should be disregarded? I had this last year when I made some additional payments into a SIPP - I gave up in the end as they just would not accept that even pension contributions made from net pay should be deducted from income. Thanks 

kaMelo

There shouldn't be a problem, RAS pension contributions made through payroll to your employers scheme are usually dealt with correctly by UC.

Most problems have occurred when making contributions to private pension schemes, as you yourself have discovered.

PS. I hope you got a significant pay rise to compensate losing the public sector pensions rights.

HaircutHel

Thank you, that’s very reassuring. 

HaircutHel

@kaMelo  I wonder if you can help with a second question - I have been asked if I want to make the pension contributions via salary sacrifice. Do you know how that would work with UC? Thanks