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Pensioners and tax

Welcome to the ‘pensioners section' of the Low Incomes Tax Reform Group (LITRG) website. This section provides more detail than the ‘tax basics section’, and is for you if you are approaching retirement or are a pensioner on a low income.

If you are a pensioner, or are coming up to retirement, you may have to deal with HM Revenue & Customs (HMRC), as they assess and collect tax and pay out tax credits and other benefits.

HMRC do not always get things right. So it is important for you to check the tax you pay on your income. You may also need to contact HMRC if you do not understand something or if you disagree with them.

What information and help can I find in this section?
What do I do if I am not happy with an HMRC decision?
What is Tax Help for Older People?
Where can I get more help?


What information and help can I find in this section?

In this section, we provide information and help to encourage you to try to solve your tax problem for yourself. It is easier and cheaper in the long run if you can understand and manage your own tax affairs.

In particular we provide information on the following areas of taxation for pensioners:

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What do I do if I am not happy with an HMRC decision?

HMRC manage the UK tax system. You can find their contact details on the HMRC website.

If you do not agree with a decision of HMRC, find out what action you can take on our ‘tax appeals’ page.

If you are unhappy with the way in which you have been treated by HMRC, you may be able to make a complaint.

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What is Tax Help for Older People?

Our experience shows that pensioners, in particular, like to speak to someone or to see them face to face when getting an explanation of tax matters. Some years ago LITRG decided that because HMRC were often failing to provide such help, we should help provide another source of assistance.

We therefore founded a separate charity, Tax Help for Older People, to give free advice for older people on low incomes.

So, if you cannot solve your own problem by reading through our website, then you could try telephoning the Tax Help for Older People helpline.

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Where can I get more help?

General tax

If you want general tax help, visit our ‘tax basics section’.

Capital gains tax

If you want help with capital gains tax, visit our ‘other tax issues section’.

Inheritance tax

If you want help with inheritance tax, visit our ‘bereavement and tax section’.

State benefits

If you are claiming any state benefits, visit our ‘tax credits and benefits section’.

Employees

If you are a pensioner, but also an employee, we suggest you visit our ‘employed section’.

Self-employment

If you are a pensioner, but are also self-employed, we suggest you visit our ‘self-employment section’.

HMRC

If you do not agree with a decision of HMRC, find out what action you can take on our ‘tax appeals’ page.

If you are unhappy with the way in which you have been treated by HMRC, you may be able to make a complaint.

HMRC manage the UK tax system. You can find their contact details on the HMRC website.

Third party organisations

You can find out where to get help from third party organisations in our 'getting help section'.

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