North Yorkshire council claim review

[Deleted User]

Hi, I have never heard of a claim revew. I have been informed that if there is a change to my circumstances then I have to inform them. I have a private pension and a state pension. Bercause of thegovement freezing the basic 20{Percent} threshold, many of us are loosing out and what I receive is for the private pension is reducing yar on year.

I was not aware that this was a change that I needed to inform them of as they ar aware of all of this. I was also informed that I could not back date this over previouse years. Aparently I did not read the small print / terms and condidtions. I was told that I could receive about 20 extra becuse of the changes. However is this back dated to the beginning of the year, They seem very resitant over this issue.

Thanks (Removed by Forum Team).

Ayr_Rage

What exactly are you claiming from North Yorkshire Council?

Is whatever you claim means tested?

Your private pension isn't reducing, the large increases in the state pension means you are liable for more tax and the only way that can be recovered is through tax on your other income.

[Deleted User]

I am a pensioner and I get support for housing and council tax. I do know the tax system and currently anyone who is on a state pension will not pay tax. This will change if the tax system stays frozen. What I receive on my MNOPF private pension does get reduced as this takes me over the £12,571 limit.

p00hsticks

 currently anyone who is on a state pension will not pay tax. 

That simply isn't true.

My mother's state pension already exceeds her Tax free allowance, and she is by no means the only one.

freesha

Not clear - are you claiming HB and CTR? (Housing Bens and CT reduction)

[Deleted User]

I have stated that I get help with council tax that is a reductio of council tax payments. It ap1ears as Council Tax Reduction Pensionable.

Is Freesha saying his mother is getting a higher rate of state pension i.e. over £241.73 per week? "State pension is currently £230.25 per week = £11,973 which is less than the single person tax code (L) of £12,570"

https://www.gov.uk/income-tax-rates The standard Personal Allowance is £12,570, which is the amount of income you do not have to pay tax on.

https://www.gov.uk/income-tax-rates Current state pension £230.25 / £11,973

p00hsticks

https://forums.moneysavingexpert.com/discussion/comment/81892885#Comment_81892885

To be pedantic the maximum new State Pension is £230.25 a week - it doesn;t mean that all recipients of the State Pension don't pay tax, as you stated previously.

If the person retiring under the new rules has a 'protected payment' it will be higher. And even though the basic state pension under the old rules is lower, many who retired before 2016 will have built up a higher amount due to being contracted in to SERPS / S2P under the old rules, or by inheriting some of their late spouses State Pension. My mothers weekly State Pension since my dad died is £293 a week, so she's well into tax paying territory, even without considering any other possible income such as from a private pension or interest bearing savings accounts.

NedS

As your income will change every year (due to any inflation increases and change in taxation amounts), you need to notify the Council benefits department of your change in income so they can correctly calculate any means tested benefits such as Council Tax Reduction or Housing Benefit.

sheramber

https://forums.moneysavingexpert.com/discussion/comment/81892568#Comment_81892568

Gou are taxed on your total income but the tax can only be deducted from your private mission.

While your net payment received from your private pension may have gone down, your gross state pension has increased and your total gross income has increased.

maman

It would seem that @[Deleted User] is referring to his disposable/nett income after tax. While it's possible that his private pension has decreased in value, IMO it's more likely that because of an increase in SP (or both) he's paying more tax.

The assertion that 'anyone on state pension will pay no tax' is a red herring in this case as, both currently and with any future SP increase, anyone with additional income that takes them over the tax threshold will pay tax.

Personally, I was able to retire early and have a sufficient occupational pension that meant I paid tax on it from Day 1, long before I was eligible for SP.