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Look for the date you may be entitled to receive Pension Credit from, not the date you reach State Pension age.

However, unlike pension age claims, you must show that you had good reason (referred to as “good cause” in the relevant regulations) for not claiming earlier.

You also There are three different ways that you may receive tax relief on your contributions. Your employer deducts your contributions from your pay before they deduct tax from your pay.

This means that you receive tax relief at the highest rate of tax that you pay. You can find out if you’re in one of these schemes by looking at the scheme booklet or asking the scheme administrator. Your employer takes your contribution from your net pay (after tax has been deducted but before they pay you) and pays this to your pension provider on your behalf.

This method is most likely if you’re a member of a group personal pension, group self-invested personal pension or group stakeholder pension scheme, but could also apply to other types of personal pension schemes. The pension provider then claims back basic rate tax at 20% from HMRC, and adds this to your pot.

So, for example, if your employer has deducted a contribution of £80 from your net pay, your pension provider claims back a further £20 so a total gross contribution of £100 is paid into your pension.

If you do need us to backdate your benefit, the rules about when we can backdate are different for different groups of people.Usually a Housing Benefit claim is paid from the following Monday after it has been received.However, occasionally, some customers will want it paid from an earlier date, in other words, they want us to 'backdate' their benefit.For example, in 2013/14 the full Basic Pension was £110.15 compared with £113.10 in 2014/15.In 2015 - 2016, state pension for a single person is £115.95 and for a couple £182.60.




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