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Investigating the triggers into claiming pension credit
- Authors:
- BHATTACHARY Darren, SLADE Zoe
- Publisher:
- Great Britain. Department for Work and Pensions
- Publication year:
- 2012
- Pagination:
- 63p.
- Place of publication:
- London
This research investigated the events that act as a trigger to thinking about, making enquiries about or claiming Pension Credit for existing pensioners. The research involved 55 qualitative depth interviews with pensioners in ten areas of the United Kingdom (UK). Interviews lasted for approximately 30 minutes and were audio recorded, transcribed and analysed. Pensioners’ awareness of and their perceived need for Pension Credit had an impact upon the customer journey. Four distinct segments emerged based upon these two factors. There were those not comfortable discussing financial matters, other than with close family. They had low awareness and low perceived need of Pension Credit. They had low awareness but a high perceived need of Pension Credit. Those that thought they had enough money to ‘survive on’ and thought they would be ineligible. They had high awareness and a low perceived need of Pension Credit. The most financially vulnerable group were too proud to get additional support – viewing Pension Credit as a handout. They had a high awareness of and a high perceived need for Pension Credit.
Flagship or flagging: the impact of pension credit five years on
- Author:
- HAYES Emma
- Publisher:
- Age Concern
- Publication year:
- 2008
- Pagination:
- 36p.
- Place of publication:
- London
The report clearly shows that claiming Pension Credit is making a noticeable difference to those receiving it but the glaring problem with Pension Credit remains its low take-up level. Despite huge numbers of pensioners currently experiencing financial hardship‚ and pensioner poverty levels recently rising for the first time in a decade‚ up to £2.8billion in Pension Credit still remains unclaimed by 1.8 million pensioners. If the benefit was paid automatically‚ those missing out would be on average £1‚477 a year better off.
Minding the money: carers and the management of financial assets in later life: report of a scoping study
- Authors:
- ARKSEY Hilary, et al
- Publisher:
- University of York. Social Policy Research Unit
- Publication year:
- 2006
- Pagination:
- 84p., bibliog.
- Place of publication:
- York
Growing numbers of older people need help managing their finances. Longer life expectancy is leading to increases in physical and cognitive impairments that can affect individuals’ capacity to manage their own affairs. Difficulties range from mobility problems that make it hard to get to a bank or post office, to severe dementia requiring another person to take responsibility for all financial matters. As close relatives and friends are the main source of support, they are most likely to help older people with financial management. At the same time, older people’s financial resources are increasingly complex. Growing proportions of post-retirement incomes are derived from occupational pensions and private investments, or claimed through benefits and tax credits. Most people now entering older age also have substantial housing wealth. Difficult decisions may be required concerning investments and savings in later life: converting capital to income; property maintenance and insurance; and equity release through reverse mortgage or downsizing accommodation. These decisions take place in the context of diverse legal and institutional arrangements governing taxation, social security, pensions, and social care charges.
Public sector pension schemes in Scotland
- Authors:
- AUDITOR GENERAL FOR SCOTLAND, ACCOUNTS COMMISSION
- Publisher:
- Audit Scotland
- Publication year:
- 2006
- Pagination:
- 24p.
- Place of publication:
- Edinburgh
This document looks at the main public sector pension schemes in Scotland, how they are funded and what challenges lie ahead in their management. It will be of interest to those who are responsible for public sector pensions, to those who fund them, and to pension scheme members. It does not cover the state pension scheme, private pensions or wider matters concerning retirement income.
Pension schemes in the EU member states: similarities and differences
- Author:
- DENMAN Moya
- Publisher:
- Eurolink Age
- Publication year:
- 2000
- Pagination:
- 32p.,tables.
- Place of publication:
- London
This guide gives a general description of the principal features of pension provision in the fifteen member states of the EU. It is intended to give the reader signposts in a complex field. Direct pension comparisons are difficult, with countries using different means to achieve national pension objectives. However, reforms recently introduced into Member states should produce effects in a few years time.
Tightropes and tripwires: New Labour's proposals and means-testing in old age
- Authors:
- RAKE Katherine, FALKINGHAM Jane, EVANS Martin
- Publisher:
- London School of Economics. Centre for Analysis of Social Exclusion
- Publication year:
- 1999
- Pagination:
- 25p.,bibliog.
- Place of publication:
- London
This paper analyses the proposals contained in the Government Green Paper,'A New Contract for Welfare: Partnership in Pensions' for low paid workers and the potential of the new rules to guarantee a decent income in old age. It discusses the general principles inherent in the design of the British pension system, analyses the balance of these principles as represented in the Green Paper, and examines how the Government's proposals protect individuals from a means-tested old age. Identifies a number of design faults that could extend means-testing to a larger number of low paid workers. The paper then models lifetime incomes for a range of hypothetical, low-income individuals and their partners under the Green Paper's proposals.
Your taxes and savings 1997-98: a guide for older people
- Authors:
- WEST Sally, MONEY MANAGEMENT COUNCIL
- Publisher:
- Age Concern
- Publication year:
- 1997
- Pagination:
- 184p.,list of orgs.
- Place of publication:
- London
Practical guide for older people.
Using your home as capital 1997-98: a guide to raising cash from the value of your home
- Author:
- HINTON Cecil
- Publisher:
- Age Concern
- Publication year:
- 1997
- Pagination:
- 79p.,list of orgs.
- Place of publication:
- London
Practical guide for older people.
Saving for retirement: minutes of evidence, Wednesday 20 March 1996
- Author:
- GREAT BRITAIN. Parliament. House of Commons. Social Security Committee
- Publisher:
- HMSO
- Publication year:
- 1996
- Pagination:
- 15p.
- Place of publication:
- London
Your taxes and savings 1996-97: a guide for older people
- Authors:
- HODGE Peta, WEST Sally
- Publisher:
- Age Concern
- Publication year:
- 1996
- Pagination:
- 176p.
- Place of publication:
- London
Practical guide for older people.