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taxadvisor.uk, Chartered Certified Accountant
Category: Tax
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Experience:  FCCA - over 35 years experience as a qualified accountant (UK based Practitioner)
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Can married couples who are separated and living apart ( and

Resolved Question:

Can married couples who are separated and living apart ( and have done so for the past six years) avail themselves of the £650000 Inheritance Tax threshold?
Submitted: 2 years ago.
Category: Tax
Expert:  taxadvisor.uk replied 2 years ago.
Hello and welcome to the site. Thank you for your question.

The guidelines from HMRC are that if the deceased leaves everything to their husband. wife or civil partner who lives permanently in the UK, an estate is exempt from Inheritance tax.

There is no mention that the married couples have to be living together to avail £650,000 inheritance tax threshold.

More information on this subject can be found here under point 5.
https://www.gov.uk/inheritance-tax/leaving-assets-spouse-civil-partner

I hope this is helpful and answers your question.

If you have any other questions, please ask me before you rate my service – I’ll be happy to respond.

Customer: replied 2 years ago.

Many thanks. We both have made wills leaving the vast majority of our estates to our grandchildren so it looks as if the answer is "No"

Expert:  taxadvisor.uk replied 2 years ago.

Thank you for your reply.

You are correct in that as you have already made wills to leave majority of the estate to grandchildren then you won't beable to avail £650k threshold but only £325k as individuals.

I hope this is helpful and answers your question.

taxadvisor.uk and other Tax Specialists are ready to help you
Customer: replied 2 years ago.

Thank you. I wish you well.

Graham Davies

Expert:  taxadvisor.uk replied 2 years ago.

Graham, thank you for your good words.

Wishing you the same... happiness and good health.

If you are happy and there are no more issues I will appreciate if you would kindly rate/accept the service I provided to ensure I get credited for it.

Best wishes.

Expert:  taxadvisor.uk replied 2 years ago.
I thank you for accepting my answer.

Best wishes.

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