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You do not pay tax on inheritances, they come to you tax free any tax will have been paid by executors or administrators before distribution. As you have no income you cannot contribute to a pension scheme as these are limited to 100% of salary or 2880 quid. You can go back three years to mop up unused contribution levels.
This is a fiendishly difficult area. Have a look here for a general explanation:
Your mother was exceeding ill advised to have anything to do with such a scheme.
Thank you for your support.