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Tax rates for couple with 1 being a cross border worker

  • 03-08-2017 10:50am
    #1
    Momoh
    Registered Users, Registered Users 2 Posts: 5 ✭


    Does anyone know anything about this?
    I work in the republic and my husband works in the north. All my tax affairs are sorted with revenue but my husband does not have any dealings with them as his employer takes his taxes and pay to the UK gov. He does have a PPS and lives in ROI but has never worked in the republic. My employer in the republic pays my health insurance as a BIK and I have my husband covered on my plan as well. When I reclaim my tax relief for insurance premium this year, revenue refunded me for 1 person and when I asked them about it they said it was because I'm on the system as single.
    I'm now wondering if my entire tax bracket is being calculated incorrectly, or if there are some benefits I'm missing out on because they have me listed as a single person. I've been married for 5 yrs but I've only been working in the country for the past 3 yrs. When I was first applying for my tax certificate to start working I put that I'm married on the form so I'm not sure why they would have me as single. When I bought health insurance in the past before I started working for both myself and my husband independently of my employer we both got the tax relief on our premium so I'm not sure why it is only applicable to me now when I get it thru my employer.
    I know there might be benefit for being assessed as a married person as the tax bracket would be increased, but I'm not sure how that is handled when 1 person is working in the north. I've tried to find information on revenue website and the internet in general but found nothing.
    If anyone here has any ideas or has been in the situation I'd love to hear what I should do, especially if I could benefit from getting some refunds from the gov.
    Thanks


Comments

  • #2
    alchemist33
    Registered Users, Registered Users 2 Posts: 10,969 ✭✭✭✭alchemist33


    Similar situation here and I wont pretend to know all about it. But I do believe that if you become assessed as a couple your husband will have to start paying tax in the ROI as well as his tax in the north. Your husband is also entitled to a medical card in the south.


  • #3
    Momoh
    Registered Users, Registered Users 2 Posts: 5 ✭Momoh


    Thanks, I'll get his medical card if he is entitled to it, would I also qualify for one?. Is being assessed as a couple (joint assessment) the same thing as me being assessed as a married person? Sorry if this is a stupid question...


  • #4
    alchemist33
    Registered Users, Registered Users 2 Posts: 10,969 ✭✭✭✭alchemist33


    Momoh wrote: »
    Thanks, I'll get his medical card if he is entitled to it, would I also qualify for one?. Is being assessed as a couple (joint assessment) the same thing as me being assessed as a married person? Sorry if this is a stupid question...

    He's the only one entitled to the medical card (until Brexit anyway). Can't answer the other bit unfortunately - I'm just not sure on the terminology and I'd be guessing.


  • #5
    SRASE
    Registered Users, Registered Users 2 Posts: 86 ✭✭SRASE


    Yes joint assessment is the same as being assessed as a married person.

    As your spouse is ROI tax resident he should be filing an Irish tax return. He may be able to claim a relief (known as "Transborder Relief") to exclude the UK income from the tax computation. This is an optional relief and is not always beneficial to claim this relief.


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