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News - Finding a cure for the UK’s pension ills

Posted on March 3, 2008 in the Finance insurance category


Some details from the Pensions Commission’s final report have been leaked.


Here are some of the likely options for tackling the issue of providing adequately for our retirement.

Working longer
Increasing taxes to pay for pensions
Reform the state pension


How the state pension works


The idea of a citizens’ pension has also been floated, primarily by the National Association of Pension Funds and the Liberal Democrats.


This would try to ease the problem of women failing to make car insurance finance
NICs to earn entitlement to a full basic state pension.


A citizens’ pension would be a payment available to anyone resident in the UK who reaches a set department of insurance and finance age, regardless of national insurance contributions. It would replace the current basic state pension, entitlement to which is based on NICs.


The new system could be funded by pooling all the money that is currently put into the basic state pension, the state second pension, contracted out schemes and pension credits.


But to ensure that the value of the new pension rose in line with earnings - rather than just with inflation as at present - the state pension age would also have to rise, the NAPF says.


However, a citizens’ pension could be an essential est finance hill in insurance investment irwin mcgraw real series nightmare because of the inevitable wrangling over residency qualifications.

Groups such as Age Concern have suggested that female pensioner poverty would be better helped by reducing the amount of time women are required to art capital finance finance insurance managing risk structured wiley
for in order to qualify for a full state pension; from 39 years to 25.

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