Pension Tax Rebate Process

[cavey76]

Just found out that my new employer pension ISN'T salary sacrifice, (they are working on it and will change soon), but for what will effectively be the 21/22 tax year i will probably have a complete year of employer and employee contributions with only the initial 20% rate of tax rebated by default.

I know that i need to submit a tax return to claim the rest but can someone tell me the actual process. I do a tax return every year and have done for the last five years but all have been with employers with salary sacrifice schemes.

So what happens? Do i tell them my contributions via my SA, they then send a cheque to the pension provider (Scottish Widows) or direct to me or what?

Anyone have any experience of this?

[bogie]

I do my self assessment each year for last 15 years. Just input your pay, tax paid and gross pension contribution (inc the 20% claimed by pension provider) but not including any employer contribution.

The SA tool calculates tax owed/paid at the end, you can choose to get a cash refund or your tax code adjusted for next year so you get tax relief each month in your salary.

For over 10 years I just went for the "give me a rebate now" option and the money was in the bank within 5 days of completing the SA forms online. During that time my bonus was very variable as was my pension contribution so tricky to do via tax code.

In recent years my salary is not variable and my pension contribution is fixed so I go for tax relief each month option.