Research Briefing
NHS Pension Scheme
This note looks at the development of the NHS Pension Scheme and current debates
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Research Briefing
Pension transfer advice
Many people have been given unsuitable financial advice to transfer their valuable Defined Benefit pensions into less suitable and secure Defined Contribution schemes. Poor advice has led to growing compensation payments from the Financial Ombudsman Service and the Financial Services Compensation Scheme. Some have speculated that this issue may represent a large mis-selling scandal, the full scale of which may only come to light in the event of an economic downturn.
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Research Briefing
State Pension deferral
Looks at how the rules for deferring your State Pension in return for more when you do claim and how they have developed over time
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Research Briefing
Pension freedoms: transfers from defined benefit pension schemes
Looks at the requirement to take advice for pension scheme members seeking to transfer or convert 'safeguarded benefits' (such as defined benefits) worth more than £30,000 into 'flexible benefits'
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Research Briefing
Benefits Uprating 2020
Benefits and tax credits that are linked to inflation rise by 1.7% in April 2020, marking the end of the four-year freeze that affected many such payments. Further increases have been made to Universal Credit, Working Tax Credit and Local Housing Allowance in response to the coronavirus outbreak. The triple lock delivers a 3.9% increase to the Basic and New State Pension.
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Research Briefing
Occupational pensions: survivors benefits for cohabitants
Looks at the development of survivors' pensions for opposite sex cohabiting couples, particularly in public service pension schemes, and the impact of recent court judgments
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Research Briefing
Coronavirus Bill: Overview
The Coronavirus Bill (Bill 122 of 2019-21) was introduced to the House of Commons on 19 March 2020. The Bill is part of the Government's response to the Covid-19 pandemic and is intended to enable the Government to respond to an emergency situation and manage the effects of a pandemic.
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Research Briefing
Spring Budget 2020: Background briefing
This briefing sets out the background to Spring Budget 2020 which will take place on 11 March 2020. The Office for Budget Responsibility (OBR) will publish revised forecasts for the economy and public finances on the same day.
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Research Briefing
Pension integration (or ‘clawback’)
Looks at rules under which some occupational pensions have historically been adjusted to take account of the State Pension introduced in the late 1940s
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Research Briefing
Section 75 employer debt and multi-employer pension schemes
Looks at the application of the "section 75 employer debt provisions" to multi-employer pension schemes - such as the Plumbing Pension Scheme
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Research Briefing
Pensioner benefits
Looks at the main benefits available to pensioners, in addition to the State Pension, and the debate on whether they should be reformed
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Research Briefing
Pension flexibilities: the ‘freedom and choice’ reforms
Looks at the rules which came into force in April 2015 giving people more flexibility about when and how to access their defined contribution pension savings
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Insight
Pension freedom in retirement?
How can we ensure people have adequate income through retirement from their pensions?
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Research Briefing
Winter Fuel Payments update
The Winter Fuel Payment is a tax-free annual payment to help older people meet the cost of their winter fuel bills. The “standard” rates are £200 per eligible household where the oldest person is under 80, and £300 for households containing a person aged 80 or over.
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Research Briefing
Local government in England: capital finance
An introduction to capital finance and borrowing by local authorities in England, including details on the Public Works Loan Board, local authority bonds, and tax increment financing.
Total results (page 8 of 22)