Search results for ‘Subject term:"older people"’ Sort:
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Escaping financial dependency in old age
- Authors:
- WALKER Robert, HUBY Meg
- Journal article citation:
- Ageing and Society, 9(1), March 1989, pp.17-41.
- Publisher:
- Cambridge University Press
Recent research has raised questions about the potential effectiveness of portable and occupational pensions as mechanisms for reducing future dependency on means-tested supplementation.
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.
Working beyond the state pension age in the United Kingdom: the role of working time flexibility and the effects on the home
- Authors:
- CEBULLA Andreas, BUTT Sarah, LYON Nick
- Journal article citation:
- Ageing and Society, 27(6), November 2007, pp.849-867.
- Publisher:
- Cambridge University Press
The present and future security of employee-pension funding remains at the forefront of public debate across Europe and beyond. In the United Kingdom, to finance future pension entitlements it has been suggested that the state pension age be increased. This paper presents the results of analyses of four major national social surveys that have explored the working and living conditions of workers in paid employment after the state pension age. Comparing the circumstances of these workers with workers just below that age illustrates the extent to which it constitutes a break in the working and domestic lives of older people. The findings suggest that, in order to accommodate older workers in the workplace, more attention may need to be placed on informal as well as contractual arrangements of flexible working. Beyond part-time working, older workers rarely take up additional or alternative flexible working arrangements. At the same time, older workers continue to experience housework as burdensome, while in partnered households the gendered division of domestic labour prevails. Research and policy have yet to consider in depth these risks associated with working longer in life.
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.
Does a universal non-contributory pension scheme make sense for rural China?
- Authors:
- SHEN Ce, WILLIAMSON John B.
- Journal article citation:
- Journal of Comparative Social Welfare, 22(2), October 2006, pp.143-153.
- Publisher:
- Taylor and Francis
Rapid economic growth in China during the past 25 years has been accompanied by increasing economic inequality. China's old-age social security system has long been restricted to urban areas, leaving the 70 per cent of the population living in rural areas with little or no coverage. The lack of social security for elderly people in rural areas poses a threat to social stability and raises social justice concerns. This study is based in part on interviews conducted in rural northeastern China. It also draws on evidence from Chinese government documents, newspapers, and reports on relevant programs in other developing countries. For rural China the authors propose a variant of the universal non-contributory old-age pension model that takes into consideration rural-urban differences in cost of living. The proposed model would reduce the level of poverty in rural areas as well as the degree of income inequality between rural and urban areas while simultaneously promoting social and political stability.
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.
An end to the means?
- Author:
- YOUNG Andrew
- Journal article citation:
- Community Care, 13.1.05, 2005, pp.32-33.
- Publisher:
- Reed Business Information
Pension credit has not been in operation for more than a year and it has helped many people over 60. However, there are sill aspects of the system that are unpopular. The recent interim report by the Pensions Commission puts the success of pension credit in a long-term perspective.
Give Brown some credit
- Author:
- VAUX Gary
- Journal article citation:
- Community Care, 31.01.02, 2002, p.41.
- Publisher:
- Reed Business Information
Looks at the new pension credit due for 2003 and find five million set to gain.
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.