No. I'm pre 95 in the HSE and asked this a few years ago.Sorry, on my phone and having issues with formatting. I note that the spouse and child scheme is incorporated under one of the other deduction headings under the SPSPS, but my question still stands. Seems unfair if this refund is not give for members who remain unmarried for the duration of their tenure.
I believe there was an option in the HSE/Health Boards to opt in to S&C if you weren't in it.There was an option given a while back (maybe circa 2006) for unmarried civil/public servants to decide whether they would opt to receive a return of their contributions on the basis that if they married after retirement their spouse would not have any entitlement to half their pension . The alternative was to forego the refund and if they married after retirement their spouse would be entitled to receive half their pension. You had to decide what the chances were of you being married at your retirement age and beyond. I opted for the former on the basis that should I marry later in life I would expect my partner to be finanacially self sufficient! I will be entitled to a refund of all my contributions on retirement but I think this option may no longer be available.
When did she retire?Hopefully you don't mind me asking a similar-ish question too. My wife got her lump sum and 15k of the 45k lump sum was deducted for Spouse and Child (she retired early under Ill Health).
I read its possible to claim tax relief on this sum, but not sure how if she's no longer paying tax. Do you actually get it as a refund? What amount of it is refunded? Sorry probably a silly question...
Last yearWhen did she retire?
She will get a tax refund on the full amount of deducted Spouse and Child provided there was more tax paid on her wages than this refund amounts to.
The tax relief will be at the marginal rate she paid tax at i.e. it could be at 20% or 40%.
I think that wages over the past 10 years are examined to check if refund is available.
Apply to revenue to get the refund.
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