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How does tax relief affect my groups?

If a worker is eligible for tax relief, the contributions you pay for them is lower than the actual contribution level you’ve set. When you pay the contributions to us on behalf of a worker, you’ll need to deduct the full contribution rate from their pay less tax relief. When setting up a group, you’ll need to set the contribution rate to the full percentage including tax relief.

We’ll claim the tax relief back from HM Revenue and Customs (HMRC) on behalf of an eligible worker after the contributions are paid to us.

If your worker is eligible for tax relief on their contributions, we’ll use the tax rate based on where they live to work out how much to claim. This will depend on the information provided to us by HMRC.

For example, if you set the contribution rate to 3 per cent instead of deducting the full 3 per cent from your worker’s pay, you’ll only need to deduct 2.4 per cent. We’ll claim the remaining 0.6 per cent from the government and add it directly to the worker’s retirement pot.

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