If you served in the Armed Forces and you're drawing your military pension, there's a chance HMRC has applied the wrong tax code, or taxed pension income that shouldn't be taxed at all. A free check takes minutes.
Military pension arrangements are not straightforward. The Armed Forces Pension Scheme has specific rules around how pension income is paid and taxed, and errors in tax coding are more common than most veterans realise.
Common issues include incorrect emergency tax codes applied at pension commencement, failure to account for tax-free elements of certain pension payments, errors on pension commutation lump sums, and incorrect coding where veterans have multiple income sources.
If you've been taxed incorrectly, you're entitled to claim it back. HMRC won't flag it for you.
"The systems that administer military pensions and the systems HMRC uses to track tax liabilities don't always talk to each other cleanly. Veterans end up paying for administrative gaps that are not their fault. The only way to fix it is to check the numbers and file a claim."
We check first. If there's nothing to claim, we'll tell you straight. There's no charge for the initial check, and we'll never push you into a claim that isn't there.
You don't need to be certain there's an error. That's what we're here to find out.
If you're receiving Armed Forces pension payments, we can check whether the tax applied has been correct across previous years.
The year of pension commencement is particularly prone to errors: emergency codes, incorrect starting figures, and processing delays all create problems.
If you work alongside your pension, the interaction between your employment income and pension can result in the wrong tax codes across both sources.
Dependant and widow's pensions from the Armed Forces Pension Scheme can also be subject to incorrect tax treatment. We check these too.
Pension commutation lump sums have specific tax treatment. If yours was taxed when it shouldn't have been, there may be a reclaim available.
Tax code changes mid-year or across years are a common source of overpayment. Even small errors compound across multiple years.
We approach this differently to the volume tax reclaim firms you might have seen advertised. We check the numbers carefully before we recommend anything. We tell you the truth about what's there, or what isn't.
There are no upfront costs and no pressure. If we find a reclaim, we'll explain exactly what it is and what we'd charge to pursue it before you decide whether to proceed.
When you left service, which scheme you're under, roughly when your pension started. A short conversation is enough.
We look at the tax applied to your pension income (codes, rates, lump sums) and compare it against what should have been applied under the correct rules.
If there's a reclaim, we'll tell you how much, how far back it goes, and what it would cost to pursue it. Straight answer, no padding.
If you want to proceed, we handle everything with HMRC. If not, there's no charge and no hard feelings.
Veterans have given a great deal. The least the system can do is get their tax right. We don't treat military pension reclaims as a volume exercise. Every case gets proper attention from someone who understands the rules.
If there's money owed to you, we'll find it. If there isn't, we'll tell you that too.
Start your free check