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Women and pensions: the evidence
- Author:
- GREAT BRITAIN. Department for Work and Pensions
- Publisher:
- Great Britain. Department for Work and Pensions
- Publication year:
- 2005
- Pagination:
- 151p.
- Place of publication:
- London
The report examines how women interact with the state and private pension systems and how in many cases that compares to men. The report looks at how theses systems have provided for women in the past and what we can expect to see in the future. Key findings from the report include: 1.3 million of the 1.9 million people lifted out of absolute poverty by Pension Credit are women; female employment rates have increased from 55% in 1983 to over 70% now; but only 38% of today’s working age women are contributing to a private pension compared to 46% of men.
The women and pensions scandal: a blueprint for reform
- Author:
- AGE CONCERN
- Publisher:
- Age Concern
- Publication year:
- 2005
- Pagination:
- 23p.
- Place of publication:
- London
The report warns that the outdated UK pension system fails to take account of women’s needs or working patterns. Currently, one in five single women pensioner’s lives in poverty and women are less likely to have an occupational pension. This is in part due to women taking time out of the workforce for care giving, being more likely to work part-time or in jobs without a pension plan, and earning less, among other reasons. Addressing the situation is increasingly critical as the retirement age for women increases to age 65. The Blueprint sets out four steps to change the system: ensuring individual rights to a pension (so that women can build up their own pension), providing a platform for savings, providing second a pension for all to particularly help the lowest-income individuals, and making private and occupational schemes work better for women. Many of the issues and recommendations discussed in the report relating to the economic situation of older women will be relevant to policymakers throughout Europe.
Wise-up on pensions: an NPC guide for working age women
- Author:
- NATIONAL PENSIONERS CONVENTION. Women's Working Party
- Publisher:
- National Pensioners Convention
- Publication year:
- 2005
- Pagination:
- 16p.
- Place of publication:
- London
- Edition:
- 2nd
The great majority of pensioner poverty is suffered by women. In view of women's life and employment experience only SERPS or something like it offers compensation for their role in society. Private, occupational company pensions - which, outside the public sector, are of little interest or use to women - rather than pay-as-you-go put at the top of the campaigning list by others.
Research women and pensions: empowerment and sharing 'expert' knowledge
- Author:
- PEGGS Kay
- Journal article citation:
- Research Policy and Planning, 18(3), 2000, pp.3-12.
- Publisher:
- Social Services Research Group
This paper examines an important methodological issue arising in the author's research on women and pensions. It discusses the author's experiences of being considered an expert in the field of pensions in interviews with 45 women who often sought advice on financial planning for retirement, whether pensions already chosen would provide the best financial rewards and, if not, the best pension
Retrenchment, reproduction, modernization: pension politics and the decline of the German breadwinner model
- Author:
- MEYER Traute
- Journal article citation:
- Journal of European Social Policy, 8(3), August 1998, pp.195-211.
- Publisher:
- Sage
Discusses how the German welfare state supports the traditional division of labour and low female labour force participation. Argues that due to diminishing political support this model is eroding.
The low pay pensions trap
- Author:
- -
- Journal article citation:
- Family Policy, Autumn 1998, p.10.
Very low earnings exclude people from state benefits - including the basic pension. Outlines new research reveals how many people fall below the national insurance limits.
Equal pension rights for men and women: a realistic perspective
- Authors:
- LUCKHAUS Linda, WARD Sue
- Journal article citation:
- Journal of European Social Policy, 7(3), August 1997, pp.237-253.
- Publisher:
- Sage
This article looks at the pattern of EU pension provision, as it currently exists, highlighting recent and possible future developments and the reasons for these. It then describes and evaluates the two notions of pensions equality prevalent in the debate in the light of current and possible future trends in EU pension reform.
Pensions and divorce: a survey carried out on behalf of the Department of Social Security by Social and Community Planning Research
- Authors:
- PRIOR Gillian, FIELD Julia
- Publisher:
- HMSO
- Publication year:
- 1996
- Pagination:
- 160p.,bibliog.
- Place of publication:
- London
Presents the findings of research on the treatment of non-state pension rights in recent divorce cases.
Family ties: women's work and family histories and their association with incomes in later life in the UK
- Authors:
- SEFTON Tom, EVANDROU Maria, FALKINGHAM Jane
- Journal article citation:
- Journal of Social Policy, 40(1), January 2011, pp.41-69.
- Publisher:
- Cambridge University Press
- Place of publication:
- Cambridge
This article examines the relationship between the family and work histories of older women and their personal incomes in later life. The analysis uses retrospective data from the first 15 waves of the British Household Panel Survey. The association between women's family histories and their incomes later in life are found to be relatively weak, explaining only a small proportion of the overall variation in older women's incomes. Divorce, early widowhood and re-marriage are not associated with any significant differences in older women's incomes, while motherhood is only associated with a small reduction in incomes later in life. While there are significant differences in the work histories of older women with different family histories, this translates into relatively small differences in their personal incomes, because the types of employment career pursued by most women are not associated with significantly higher retirement incomes and because public transfers dampen work history-related differentials, especially for widows. On the one hand, this could be seen as a positive finding in that the ‘pension penalty’ associated with life-course events such as motherhood and divorce is not as severe as often anticipated. On the other hand, the main reason for this is that the pension returns for working longer are relatively low, particularly for women with few qualifications. The analysis suggests that women retiring over the next two decades are unlikely to benefit significantly from the additional years they have spent in employment, because most of this increase has been in part-time employment.
Towards a new political economy of pensions? The implications for women
- Author:
- FOSTER Liam
- Journal article citation:
- Critical Social Policy, 30(1), February 2010, pp.27-47.
- Publisher:
- Sage
The government and pensions industry face the difficult challenge of satisfying 2 potentially contrasting demands: to ensure that government pension spending remains stable and also respond to the needs of the poorest pensioners, many of whom are women. This article employs a political economy approach to assess the changing nature of women’s pension provision. Initially it provides an overview of the current context showing that many female pensioners are without access to significant pension entitlements in their own right. Then it examines the history of women’s pensions over the last 30 years with reference to both state and private forms of provision. It considers the pension strategies of Thatcher and New Labour governments and their impact on women’s pension situation. This includes an evaluation of recent New Labour proposals, such as Personal Accounts, a raise in the basic State Pension age and reintroduction of the link to earnings. Finally, the paper concludes that these proposals do not represent the emergence of a new political economy of pensions which better reflects the needs of female pensioners; rather they are a response to the challenges of an ageing population.