Gerald Whitlock
Retired UK tax accountant
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.

A free guide: 10 Things UK Pensioners Are Owed — that 98% never claim. 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.

  1. The £1,260 Marriage Allowance most couples miss

    Including how a widow can still claim it after a spouse has died.

  2. The pension lump sum tax some have overpaid by £15,000

    And the three HMRC forms that reclaim it.

  3. The £6,000 of savings interest a low-income pensioner can earn tax-free

    On top of the Personal Allowance.

  4. The State Pension a widow or widower may inherit

    The single most overlooked source of money in widowhood.

  5. The ISA wrapper a widow or widower can preserve

    And the three-year deadline most miss.

  6. Pension Credit

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

  7. Council Tax Reduction

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

  8. Attendance Allowance

    £114.60 a week, not means-tested, paid for the rest of life.

  9. Blind Person's Allowance

    £3,250 extra tax-free allowance, backdatable up to four years.

  10. 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 a retired British tax accountant who spent nearly four decades inside the UK tax system, in private practice across London and the Home Counties. He retired from full-time practice 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.