I've been reading up on pensions as I didn't really understand my pension scheme (I'm not military - but it affects us all I guess) and according to the direct.gov website pensions are a taxable income (news to me, but I'm not surprised).... But surely the contribution that I have to pay for my scheme (9.5%) are already taxed as I pay them? (i.e. the 9.5% are deducted after tax - when I tried to use an indicative online tax calculator, that was the impression given at least, see here for an example...NB.That's just a nice round figure, not the amount I earn) Have I made a mistake of understanding here? Or are we really taxed twice on our pension!? If we are, then surely there is a way to claim it back?