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A marriage tax claim is a great way to get a pay-out on any excess tax you have paid over the last few years, as well as a discount on any future tax that you will need to get sorted. There are only a few categories that you need to fulfil if you are going to make a valid claim. However, if you have already retired then you may feel a bit unsure about whether or not you could still be eligible. You are going through your golden years, therefore you deserve to be able to settle down and have enough money to relax with your partner.

If you are considering making a marriage tax claim, it’s important that you have the right legal assistance to make sure you feel confident that you are undergoing the right process to get your pay-out. Gowing Law Solicitors can give you advice to put your mind at ease when you make a tax claim. We understand that they can feel complicated, but our lawyers can use their experience to help you get the compensation that you deserve.

Click the link below to get started on your marriage tax claim today:

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Why would retirement affect my marriage tax claim?

If you have recently retired, the last thing you will be considering is a marriage tax claim. Instead, you may be considering the type of pension you pick, as well as how you can avoid becoming the victim of a mis-sold pension scheme. There are three types of pensions that you may be considering. These include:

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Once you have chosen your pension, or perhaps have started to receive money through it, you may change the amount of tax that you actually receive. This could affect the outcome of any marriage tax claim that you make. However, keep in mind that even if you do retire, you are still eligible to make a claim. Whether you are employed (or not) will never affect your actual job status. Instead, you will just need the help of an experienced tax specialist to get personalized help to ensure it won’t affect the validity of your claim. Before you think about whether or not your pension could affect the outcome of your claim, let’s get to grip with the basics of marriage tax claims. That should help you make an informed decision about whether you could be eligible for a pay-out.

Eligibility for a marriage tax claim

What is a marriage tax claim?

Marriage tax claim case study

As you can see from our case study, the success of a marriage tax claim depends on the amount of tax you pay, as well as the amount of wage you earn. A marriage tax claim is also known as a tax break. Throughout your life, you are going to be paying tax in order for it to go towards public services, like public transport and the NHS. However, if you are married then you and your partner may be paying too much tax. This is when you may want to make a marriage tax claim in order to reduce the amount you pay.

There are three categories that you and your partner will need to fit into. Take a look at our infographic below to get a better idea about how you could be eligible for this type of tax claim:

marriage tax claim infographic

The reason why you and your partner need to fall into different tax bands is due to the fact that the lower earner needs to transfer their excess personal savings allowance (PSA) to the higher earner. This will allow the higher earner to pay less tax. This means that they will be able to get a discount on any future tax and will potentially be able to get their excess repaid to them.

How much could I get from a successful marriage tax claim?

Compared to making a PPI Tax Claim, marriage tax claims work a little differently in relation to their pay-outs. The purpose of this type of tax break is to get you an overall discount on any future tax that you and your partner pay. However, if you get a pay-out, it is likely because you are having any excess tax returned to you. This can be done by backdating your previous payments from the last 4 years. These can be added together and you will be given the overall total of your pay-out. Have a look at the excess you could earn over the last few years:

  • 2015-2016: £212
  • 2016-2017: £220
  • 2017-2018: £230
  • 2018-2019: £238
  • 2020-2021: £250

Overall, you could be owed around £1150 if you backdate your claim for the previous four years, and for this year. However, you may be owed even more depending on the personal circumstances of your claim. Speaking to a solicitor can give you some peace of mind and help you to figure out a more precise estimate about what you are owed. They can also answer any additional questions about these types of tax breaks that may be playing on your mind.

marriage tax claim eligibility

How do the conditions of a marriage tax claim change when it comes to my retirement?

Now that we have discussed the basics of making marriage tax claims, let’s go onto the question in hand. Could a marriage tax claim be affected by my retirement status?

The first thing we should say is that being retired will not be the determining factor when it comes to making any sort of tax claim. You could be in full employment, on a zero-hour contract or self-employed. What matters really is the amount of wage you make and how much tax you pay. Even after you have retired, you will still need to pay tax from your retirement earnings. Depending on how much of a retirement fund you have, you may stay in the same tax bracket and therefore have nothing to worry about. If this is the position you are in, then you will be eligible to make a tax claim depending on whether you and your partner both fall into one of the tax brackets discussed. You will be eligible for a pay-out.

But how could it make me ineligible for a successful claim?

Unfortunately, if your retirement means that you start to earn less than what you were getting through your wage, it could mean that you end up changing how much tax you pay. Overall, this means that it could affect the validity of your marriage tax claim. The best way to determine whether or not you could be eligible is figuring out what type of tax you are paying alongside your partner. Remember, one partner must be paying basic tax whilst the other must not be paying tax. Another way of determining what you could be eligible for is to look at the amount of money you are earning. Earning over £12,500 will mean that you will most likely be paying basic tax. If you earn under £12,000 then you will not be paying tax at all.

Once you have retired, keep an eye on how much you earn. You can use this to see if you will be eligible to make a claim. If you are struggling to understand whether or not the change in circumstances has changed your marriage tax claim, Gowing Law’s solicitors can help you figure out if you could be owed a pay-out.

partner affecting your claim

How can a marriage tax claim solicitor help me with my claim?

If you have just recently retired, you may be feeling concerned about how you can proceed with your claim. It can be daunting to make a claim. After all, you may not have the legal knowledge to understand whether or not you’re going to be eligible for the claim. This is where our solicitors can jump in to help you. They are experienced tax claims specialists. Our lawyers can give you all the information that you need to move forward with your claim.

A marriage tax claims solicitor can work with HMRC on your behalf to make sure all the paperwork needed for your claim is completed efficiently and mistake-free. That way an expert can ensure that you support you throughout the claim. They will make sure that you know exactly how much of a payment you are owed and how long it will take to get you.

We understand that you will want to remain remote during the lockdown. You should not be leaving your house unless it’s for an essential reason. That’s why our solicitors can make sure they can help you without exposing you to a public environment. Instead, all communication about your claim can be handled remotely by phone, email or video call. That way you can remain safe but still get the pay-out that you deserve. Our lines are open 24/7, meaning that you can contact us at any time for help. No matter what type of claim you have, our lawyers will be here to help you.

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Don’t forget that Gowing Law Solicitors also helps with mis-sold pension claims!

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As we have been talking about pensions and retirements, it’s important that we also let our clients know that we can also help them with any sort of mis-sold pension or SIPP claim. We want to make sure that you can retire in comfort and security. If you have suffered from a mis-sold pension scheme, this could impact you for the rest of your life. Unfortunately, you will not be able to get your investment back. However we could still help you get compensation for your losses.

Our mis-sold pension/SIPP page details a lot information about many different companies. This includes firms that have engaged in mis-selling SIPP schemes and pensions. If you are concerned that your own investor or financial advisor is on our list of unscrupulous firms, make sure to use our search function. That way you can learn more information about the company in general. This can alert you before you come to our experienced solicitors to start helping you make a claim.

Use our helpful form to get started today!

Learn more about Marriage Tax Claims from Gowing Law’s Solicitors

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Here at Gowing Law Solicitors, we are proud to be able to offer our clients top-notch legal service. That’s why we are ready to help with any sort of marriage tax claims. We endeavour to get our clients the highest pay-out possible in an extremely reasonable amount of time. If you are feeling curious about making a claim, why not contact us to learn more? We can offer no-obligation advice to get started. This can all be undertaken remotely to ensure you remain safe whilst you have a consultation with our specialists. Our tax specialists can offer their services on a “no win-no fee” basis. That means there will be no hidden fees. Instead, you will only need to pay for our services if we win your case.

To find out more information about Gowing Law’s tax specialists, please contact 0161464 4444, email or use our claims checker. One helpful law team will then be in contact to answer any questions that you may have.

We look forward to helping you with your marriage tax claim soon.

Learn more about marriage tax claims in our blog

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If you are ready to learn more about making a marriage tax claim, why not visit our blog for more information? We update it with the latest content surrounding UK legal claims. However we also talk about seasonal events and updates about our law firm in general. We also use it to display our latest videos and competitions. It’s normal for us to hold seasonal competitions, so make sure to keep an eye on our socials as well. Our Twitter and Facebook are often updated with our latest content and news. Follow us and you should be able to get involved in our competitions and giveaways.

Don’t forget, if you want to learn more about a certain topic, we are happy to write about your questions. Send in your suggestions to!  To get started and one of our legal writers will update our blog as quickly as possible. That way you can find the answers you are seeking.

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Gowing Law are a professional law firm that specialises in the personal injury sector of the industry. Gowing Law are Authorised and regulated by the Solicitors Regulation Authority (SRA).

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Gowing Law is law firm based in Manchester but offer their legal services nationwide. We specialise in the personal injury claims and our team of solicitors have the experience and expertise needed to handle your case and help you through the claims process.

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