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Universal Credit & Pension Payments Question Please

3 replies

Daisiesunderblueskies · 03/07/2021 00:26

Hi,

I am entitled to Universal Credit and would like to start paying into a pension. I have read that Universal Credit doesn't take pension contributions into consideration and am assuming that means in relation to savings but my question is more about the payment side of things.

So when I get my monthly statement from Universal Credit, it's based on the amount I get paid from my employer (take-home pay). If I started paying into a pension, would my Universal Credit payments be based on my income or take-home pay before my pension contributions or after? My take home pay would obviously be lower once I started paying into a pension but I'm assuming that my payment from Universal Credit would be before pension payments and not after? I can't seem to find a definitive answer online anywhere.
Thank you so much for any help with this :)

OP posts:
Babyroobs · 03/07/2021 01:26

No your UC payment is based on net earnings in oyr monthly assessment period after tax, national insurance and pension payments are deducted.

Daisiesunderblueskies · 03/07/2021 01:28

That's great, thank you so much for your help!

OP posts:
OuchyCyst · 15/12/2023 21:03

I realise this thread is old but my question follows on directly, so wondered if anyone can help? I make small additional payments into a SIPP from my take-home pay, in addition to my basic pension contribution that is deducted from my salary by my employer. How will I notify UC of these if they use HMRC live info as default? Is there a monthly submission process I can use to notify them? (Currently on tax credits and I just let them know as part of the annual review) Many thanks

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