A FREE GUIDE · 2026/27 UK TAX YEAR

10 Things UK Pensioners Are Owed — That 98% Never Claim

A free guide. Fourteen pages. Verified against gov.uk for the 2026/27 UK tax year.

Free PDF · 14 pages · A4
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What's inside

Fourteen pages. Each chapter is short. Each one names a specific item, what it's worth, who broadly qualifies, and the kind of phone call or form that gets it processed.

The £1,260 Marriage Allowance most couples miss

Including how a widow can still claim it after a spouse has died.
The pension lump sum tax some have overpaid by £15,000

And the three HMRC forms that reclaim it.
The £6,000 of savings interest a low-income pensioner can earn tax-free

On top of the Personal Allowance.
The State Pension a widow or widower may inherit

The single most overlooked source of money in widowhood.
The ISA wrapper a widow or widower can preserve

And the three-year deadline most miss.
Pension Credit

The gateway benefit 800,000 pensioners miss, and what else it unlocks.
Council Tax Reduction

Up to 100% off the bill, separate from the 25% single occupancy discount.
Attendance Allowance

£114.60 a week, not means-tested, paid for the rest of life.
Blind Person's Allowance

£3,250 extra tax-free allowance, backdatable up to four years.
The £1,000,000 Inheritance Tax shelter most couples don't know they have

And the three places families lose it.

Who Gerald is

Gerald Whitlock is the author of this guide series. He spent his career in UK tax and retired in 2022. Since then, he has volunteered for Pension Wise and Citizens Advice — sitting opposite ordinary UK pensioners trying to make sense of their own paperwork.

He made this guide because he kept hearing the same stories — pensioners overpaying tax, missing allowances, leaving money with HMRC because nobody had ever explained the rules.

Gerald is not a regulated financial adviser, and the guide is not personal financial advice. It is general educational information about UK tax, allowances, and benefits — verified against gov.uk for the 2026/27 UK tax year.