If the #BasicRateofIncomeTax and the lower #HigherRateofIncomeTax were merged at 40%, could very substantially raise the #IncomeTaxPersonalAllowance with some change over, maybe even if it was not quite 40%, would lift the allowance way above full #NewStatePension.

It's long past time that #IncomeTaxPersonalAllowance should be increased. Money to fund that would have to be found elsewhere though.

Another option for avoiding the allowance for those on #StatePension would be to reatore the #agerelatedallowances abolished a decade ago.