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Thank you for your valuable feedabck. I am still waiting for UKBA to reply on this but your points about payslip in earlier post give some food for thought. My payslip do not distinguish between types of benefit. Its made up of 2 sections : Payments & DeductionAccountantMatthew wrote:Just to clarify my earlier post - I'm coming at it from the point of view of an accountant and not the UKBA.
You've mentioned in previous posts that you have called the UKBA and have written to them so ultimately go with what they say. It may be that their definitions differ from that of an accountant/business advisor/solicitor/lexicographer/anyone else but it's their rules so they can define what they want how they want.
You should also refer to your contract of employment as mentioned above.
From a tax point of view, you do get taxed on your pension - not when you make a contribution but when you actually receive your pension money (there are ways to reduce what you pay and you do get an annual allowance but this is going way off topic if I go further).
If you make a contribution from gross salary then it is not counted as taxable pay (hence the difference in gross pay and taxable pay); if you make a contribution from net salary then the pension provider claims the tax back from the government back at 20% basic rate so the ultimate position is the same as with paying your contribution from gross salary.
If your pension contribution is declared on your slips the just get a letter from employer stating that your contribution to pension is part of your gross salary. This applies only to your contribution NOT employer contribution. I had pension salary sacrifice during initial application and pension contribution was accepted by UKBA as my earning.IsraGuest wrote:Hi,
I am in a similar situation.
Was there any resolution from UKBA on this?
There is no issue. You can claim points on 1000.rfd wrote:Hi,
I am in a similar situation and extremely confused about this pension issue. On my pay slip the pension deduction appears on the payments column but the amount displayed is -ve.
For e.g on my payslip
Basic Pay: £1000
Pension: -£100
Gross: £900
In this case can I only claim £900 as my income or I can claim full £1000.00???
If I am only allowed to claim £900 then I will fall short of the required threshold, can anyone please shed some light / Share their experience ???
This is very helpful posting...cs95tdg wrote:rfd, based on your example the amount you can claim would be 1000, as this is what your employer pays you.
I too contribute towards a pension and have always included the basic pay when calculating previous earnings. I have done this twice based on my understanding of the Tier 1 Guidance & never had an issue with the UKBA. I.e. I was always awarded the points I claimed. I always highlight the basic pay amount on my payslips and include a cover letter for clarity with my applications.
The fact that you contribute towards a pension is irrelevant & has no effect here.
The UKBA reference I used is under point 92.
"We will assess an applicant’s earnings. If an applicant is in salaried employment, (including a Director of a company for example) we will assess the applicant’s gross salary before tax."
http://www.ukba.homeoffice.gov.uk/sitec ... idance.pdf
cs95tdg wrote:rfd, based on your example the amount you can claim would be 1000, as this is what your employer pays you.
I too contribute towards a pension and have always included the basic pay when calculating previous earnings. I have done this twice based on my understanding of the Tier 1 Guidance & never had an issue with the UKBA. I.e. I was always awarded the points I claimed. I always highlight the basic pay amount on my payslips and include a cover letter for clarity with my applications.
The fact that you contribute towards a pension is irrelevant & has no effect here.
The UKBA reference I used is under point 92.
"We will assess an applicant’s earnings. If an applicant is in salaried employment, (including a Director of a company for example) we will assess the applicant’s gross salary before tax."
http://www.ukba.homeoffice.gov.uk/sitec ... idance.pdf
I'm not entirely sure I understand your question here. Though from your comment I suspect your payslip breakdown may be different to mine. In my case my payslips have always contained the following breakdown along with other information (I.e. other taxable benefits, tax paid, NI contributions etc...):Humber12 wrote:This is very helpful posting...cs95tdg wrote:rfd, based on your example the amount you can claim would be 1000, as this is what your employer pays you.
I too contribute towards a pension and have always included the basic pay when calculating previous earnings. I have done this twice based on my understanding of the Tier 1 Guidance & never had an issue with the UKBA. I.e. I was always awarded the points I claimed. I always highlight the basic pay amount on my payslips and include a cover letter for clarity with my applications.
The fact that you contribute towards a pension is irrelevant & has no effect here.
The UKBA reference I used is under point 92.
"We will assess an applicant’s earnings. If an applicant is in salaried employment, (including a Director of a company for example) we will assess the applicant’s gross salary before tax."
http://www.ukba.homeoffice.gov.uk/sitec ... idance.pdf
Could you however tell me how you have proved the before tax pension to home office. Obviously it will not show in salary slip as in mine.......
Please see my previous response to Humber12 regarding what I used the cover letter for, it had nothing to do with pension contributions, but purely to explain the items I highlighted in my two forms of evidence (payslip & bank statement) for easier verification & the pay amounts I used to claim previous earnings for. I repeat, it did not make any reference to pension contributions. I agree with sushdmehta, try not to over-complicate this & my previous response to you remains the same, i.e. the amount you can use towards previous earnings is "1000".rfd wrote:cs95tdg wrote:rfd, based on your example the amount you can claim would be 1000, as this is what your employer pays you.
I too contribute towards a pension and have always included the basic pay when calculating previous earnings. I have done this twice based on my understanding of the Tier 1 Guidance & never had an issue with the UKBA. I.e. I was always awarded the points I claimed. I always highlight the basic pay amount on my payslips and include a cover letter for clarity with my applications.
The fact that you contribute towards a pension is irrelevant & has no effect here.
The UKBA reference I used is under point 92.
"We will assess an applicant’s earnings. If an applicant is in salaried employment, (including a Director of a company for example) we will assess the applicant’s gross salary before tax."
http://www.ukba.homeoffice.gov.uk/sitec ... idance.pdf
HI cs95tdg,
Do you still have a copy of the cover letter you used?