# source/domain-registers/money-tax-and-benefits.v1.yaml

Browser-rendered handoff of repository-authored YAML. Source identity: `source/domain-registers/money-tax-and-benefits.v1.yaml`. Links and original summaries are shown; external source content is not redistributed.

    register_version: life-course-domain-register.v1
    pack_id: pack-3-work-money
    domain: money-tax-and-benefits
    title: Money, tax and benefits
    status: population_complete
    observed_at: "2026-08-08"
    link_receipts: evaluation/link-receipts/pack-3-work-money-2026-08-08
    acquisition:
      mode: linked_reference_only
      snapshots_acquired: false
      source_response_bodies_retained: false
      publication_allowed: false
      rights_policy: link_and_summarize_source_family_decisions_recorded
    _source_defaults: &source_defaults
      access_method: public_html
      version_model: live_service_guidance
      update_cadence: check_before_each_use
      rights_basis: linked_reference_summary_only_source_family_decision_recorded
      observed_at: "2026-08-08"
      checksum: not_applicable_no_snapshot
    _family_defaults: &family_defaults
      primary_jurisdictions: [England, Scotland, Wales, Northern Ireland]
      specialist_review: required
    route_sources:
      - <<: *source_defaults
        id: money-tax-benefits-scotland-handoff
        jurisdiction: Scotland
        title: Money and tax in Scotland
        owner: Scottish Government
        authority_role: scotland_money_support_discovery_handoff
        resource: https://www.mygov.scot/browse/money-tax
        coverage: Routes people to current Scottish money, tax and financial-support services.
        exclusions: Does not calculate liability, entitlement, debt or a challenge outcome.
      - <<: *source_defaults
        id: money-tax-benefits-wales-handoff
        jurisdiction: Wales
        title: Money and financial inclusion in Wales
        owner: Welsh Government
        authority_role: wales_money_support_discovery_handoff
        resource: https://www.gov.wales/money-and-financial-inclusion
        coverage: Routes people to current Welsh financial-support policy and services.
        exclusions: Does not calculate liability, entitlement, debt or a challenge outcome.
      - <<: *source_defaults
        id: money-tax-benefits-northern-ireland-handoff
        jurisdiction: Northern Ireland
        title: Money, tax and benefits in Northern Ireland
        owner: Northern Ireland Executive
        authority_role: northern_ireland_money_support_discovery_handoff
        resource: https://www.nidirect.gov.uk/information-and-services/money-tax-and-benefits
        coverage: Routes people to current Northern Ireland money, tax and benefit services.
        exclusions: Does not calculate liability, entitlement, debt or a challenge outcome.
    families:
      - <<: *family_defaults
        id: register-for-income-tax
        title: Register for Income Tax
        aliases: [tell HMRC about untaxed income, start paying income tax]
        description: Identify the correct PAYE, Self Assessment or other HMRC route when income is not already handled correctly.
        situations: [A person has income or a change that may require Income Tax registration or notification.]
        user_needs: [Find the responsible tax route and retain HMRC confirmation without calculating liability locally.]
        source:
          <<: *source_defaults
          id: register-for-income-tax-primary
          title: "Income Tax"
          owner: "HM Revenue and Customs"
          authority_role: uk_income_tax_discovery_guidance
          resource: https://www.gov.uk/income-tax
          coverage: "Routes people to current Income Tax, PAYE and Self Assessment information."
          exclusions: "Does not calculate liability or decide which notification is required."
      - <<: *family_defaults
        id: get-national-insurance-record
        title: Get a National Insurance record
        aliases: [check NI contributions, view national insurance gaps]
        description: View contribution years and use HMRC correction or voluntary-contribution handoffs for apparent gaps.
        situations: [A person needs to understand the National Insurance record used for state benefits or pension.]
        user_needs: [Access the official record and keep forecast, correction and payment decisions separate.]
        source:
          <<: *source_defaults
          id: get-national-insurance-record-primary
          title: "Check your National Insurance record"
          owner: "HM Revenue and Customs"
          authority_role: uk_national_insurance_record_service
          resource: https://www.gov.uk/check-national-insurance-record
          coverage: "Provides the official contribution-year and gap-viewing service."
          exclusions: "Does not alter a record or advise whether voluntary contributions are worthwhile."
      - <<: *family_defaults
        id: file-self-assessment
        title: File Self Assessment
        aliases: [submit tax return, self assessment deadline]
        description: Register if required, keep source records, submit the return and retain calculation, payment and amendment outputs.
        situations: [A person must or may need to submit a Self Assessment tax return.]
        user_needs: [Follow current registration, filing, payment and correction routes without tax advice from the bundle.]
        source:
          <<: *source_defaults
          id: file-self-assessment-primary
          title: "Self Assessment tax returns"
          owner: "HM Revenue and Customs"
          authority_role: uk_self_assessment_service
          resource: https://www.gov.uk/self-assessment-tax-returns
          coverage: "Provides current registration, return and payment handoffs."
          exclusions: "Does not decide filing need, calculate tax or provide tax advice."
      - <<: *family_defaults
        id: register-for-vat
        title: Register for VAT
        aliases: [VAT registration threshold, get a VAT number]
        description: Check the current registration boundary and submit business evidence through HMRC's VAT route.
        situations: [A business or person needs to determine whether or when to register for VAT.]
        user_needs: [Find mandatory, voluntary and exception routes without calculating taxable turnover locally.]
        source:
          <<: *source_defaults
          id: register-for-vat-primary
          title: "Register for VAT"
          owner: "HM Revenue and Customs"
          authority_role: uk_vat_registration_service
          resource: https://www.gov.uk/vat-registration
          coverage: "Explains current VAT registration thresholds and application routes."
          exclusions: "Does not calculate taxable turnover or decide registration, exemption or liability."
      - <<: *family_defaults
        id: pay-council-tax
        title: Pay Council Tax
        aliases: [council tax bill, local property tax payment]
        description: Identify the billing authority, understand the bill and use payment, discount, support or challenge routes.
        situations: [A household has or expects a Council Tax or domestic-rates liability.]
        user_needs: [Find the correct local authority and keep valuation, liability, support and collection decisions distinct.]
        source:
          <<: *source_defaults
          id: pay-council-tax-primary
          title: "Council Tax"
          owner: "Ministry of Housing Communities and Local Government"
          authority_role: england_wales_council_tax_guidance
          resource: https://www.gov.uk/council-tax
          coverage: "Routes England and Wales users to billing, discounts, appeals and local payment."
          exclusions: "Scotland and Northern Ireland have distinct local-tax routes; no bill is calculated here."
      - <<: *family_defaults
        id: manage-student-loan-repayment
        title: Manage student loan repayment
        aliases: [repay student finance, student loan deductions]
        description: Identify the repayment plan and use payroll, Self Assessment or overseas repayment routes for the account.
        situations: [A borrower needs to understand or correct student-loan repayments.]
        user_needs: [Use the official plan, balance and deduction routes without financial advice from the bundle.]
        source:
          <<: *source_defaults
          id: manage-student-loan-repayment-primary
          title: "Repaying your student loan"
          owner: "Student Loans Company"
          authority_role: uk_student_loan_repayment_guidance
          resource: https://www.gov.uk/repaying-your-student-loan
          coverage: "Explains plan-specific repayment, payroll, tax-return and overseas routes."
          exclusions: "Does not calculate a balance or advise early repayment."
      - <<: *family_defaults
        id: claim-tax-refund
        title: Claim a tax refund
        aliases: [income tax overpayment, get tax back from HMRC]
        description: Use the correct HMRC refund route for the tax type and retain calculation, payment or refusal outputs.
        situations: [A person believes too much tax has been paid.]
        user_needs: [Select the source-defined refund route and know how to query or challenge the result.]
        source:
          <<: *source_defaults
          id: claim-tax-refund-primary
          title: "Claim a tax refund"
          owner: "HM Revenue and Customs"
          authority_role: uk_tax_refund_discovery_guidance
          resource: https://www.gov.uk/claim-tax-refund
          coverage: "Routes users to current refund services by tax and circumstance."
          exclusions: "Does not establish overpayment, calculate a refund or request personal credentials."
      - <<: *family_defaults
        id: claim-universal-credit
        title: Claim Universal Credit
        aliases: [apply for UC, means-tested living cost benefit]
        description: Check the current claim boundary, submit the live claim and retain commitment, payment and review records.
        situations: [A household on a low income or out of work needs to check Universal Credit.]
        user_needs: [Use the responsible service without calculating entitlement or substituting for advice.]
        source:
          <<: *source_defaults
          id: claim-universal-credit-primary
          title: "Universal Credit"
          owner: "Department for Work and Pensions"
          authority_role: universal_credit_service
          resource: https://www.gov.uk/universal-credit
          coverage: "Provides the current Universal Credit overview, claim and account handoffs."
          exclusions: "Does not calculate entitlement or decide payment, sanctions or review."
      - <<: *family_defaults
        id: claim-disability-benefit
        title: Claim a disability benefit
        aliases: [disability payment application, benefits for disabled people]
        description: Select the correct national and age-specific benefit route and follow assessment, decision and challenge handoffs.
        situations: [A disabled person or person with a health condition needs to check financial support.]
        user_needs: [Distinguish benefit systems and retain evidence and decision outputs without a local health or entitlement assessment.]
        source:
          <<: *source_defaults
          id: claim-disability-benefit-primary
          title: "Financial help if you are disabled"
          owner: "Department for Work and Pensions"
          authority_role: disability_benefit_discovery_guidance
          resource: https://www.gov.uk/financial-help-disabled
          coverage: "Routes people to current disability-related benefit and support services."
          exclusions: "Does not diagnose, select a national benefit or determine entitlement."
      - <<: *family_defaults
        id: report-benefit-change-of-circumstances
        title: Report a benefit change of circumstances
        aliases: [tell benefits office about a change, update benefit claim]
        description: Identify each affected benefit and report the change through its accountable service, retaining confirmation.
        situations: [A claimant's personal, household, work, health or financial circumstances have changed.]
        user_needs: [Find current notification routes and avoid assuming one report updates every authority.]
        source:
          <<: *source_defaults
          id: report-benefit-change-of-circumstances-primary
          title: "Benefits, report a change in circumstances"
          owner: "Department for Work and Pensions"
          authority_role: benefit_change_discovery_guidance
          resource: https://www.gov.uk/report-benefits-change-circumstances
          coverage: "Routes claimants to source-specific change reporting and explains overpayment risk."
          exclusions: "Does not identify every affected service or decide benefit consequences."
      - <<: *family_defaults
        id: get-debt-advice-and-relief
        title: Get debt advice and relief
        aliases: [help with debts, debt management options]
        description: Use free or regulated advice to compare formal and informal debt solutions before committing.
        situations: [A person cannot meet debts or needs a sustainable repayment or relief route.]
        user_needs: [Start with public options and regulated advice rather than provider marketing.]
        dependency: regulated-debt-advice-or-insolvency-provider
        source:
          <<: *source_defaults
          id: get-debt-advice-and-relief-primary
          title: "Options for dealing with your debts"
          owner: "Insolvency Service"
          authority_role: england_wales_debt_solution_guidance
          resource: https://www.gov.uk/options-for-dealing-with-your-debts
          coverage: "Compares official England and Wales debt-management and insolvency routes."
          exclusions: "Does not recommend a provider, give financial advice or establish devolved debt law."
      - <<: *family_defaults
        id: enter-personal-insolvency
        title: Enter personal insolvency
        aliases: [apply for bankruptcy, formal insolvency for debts]
        description: Use the applicable formal insolvency route only after advice, then retain adjudicator, trustee and creditor outputs.
        situations: [A person is considering bankruptcy or another formal insolvency process.]
        user_needs: [Understand territorial routes, consequences, costs and challenge boundaries before applying.]
        dependency: regulated-insolvency-practitioner-or-official-receiver
        source:
          <<: *source_defaults
          id: enter-personal-insolvency-primary
          title: "Apply for bankruptcy"
          owner: "Insolvency Service"
          authority_role: england_wales_online_bankruptcy_service
          resource: https://www.gov.uk/apply-for-bankruptcy
          coverage: "Provides the England and Wales online bankruptcy application and consequence guidance."
          exclusions: "Scotland and Northern Ireland have distinct insolvency routes; this is not financial or legal advice."