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| Author | : |
| Publisher | : |
| Total Pages | : |
| Release | : 2005 |
| Genre | : Old age pensions |
| ISBN | : |
| Author | : Pensions Commission |
| Publisher | : The Stationery Office |
| Total Pages | : 476 |
| Release | : 2005-11-30 |
| Genre | : Business & Economics |
| ISBN | : 0117036021 |
The Pensions Commission is an independent body established by the Government to review the adequacy of current arrangements for private pensions and retirement savings in the UK and to make recommendations on appropriate policy changes, including the option of moving to a compulsory system. Following on from its first report (ISBN 0117027804) published in October 2004, this second report sets out the Commission's conclusions on the likely evolution of the UK pension system if policy is unchanged, and makes recommendations for a new policy direction. Recommendations are based on two key elements: the automatic enrolment of employees into either a new National Pensions Savings System or into existing company pension schemes, with an option for employees to opt-out, and with a modest compulsory employer matching contribution; and reform of state pension provision in order to make it simpler to understand and less means-tested. The Commission concludes that these reforms will require some increase in public expenditure on pensions as a percentage of GDP over the next 45 years, and that increases in state pension ages will be needed to keep that increase within sustainable levels over the long term. The Commission presents a range of possible combinations of public expenditure and state pensions ages, and calls for a public debate to consider these options. It also recommends the establishment of a successor body to continue to review the situation and report to Parliament and government every four years.
| Author | : Pensions Commission |
| Publisher | : The Stationery Office |
| Total Pages | : 316 |
| Release | : 2005-11-30 |
| Genre | : Business & Economics |
| ISBN | : 011703603X |
The Pensions Commission is an independent body established by the Government to review the adequacy of current arrangements for private pensions and retirement savings in the UK and to make recommendations on appropriate policy changes, including the option of moving to a compulsory system. The Commission's second report sets out its conclusions on the likely evolution of the UK pension system if policy is unchanged, and makes recommendations for a new policy direction. This publication contains the appendices to the second report, including an update on data developments related to pensions policy, as well as information on analysis, research and consultation responses.
| Author | : Pensions Commission |
| Publisher | : Stationery Office |
| Total Pages | : 0 |
| Release | : 2005-11-30 |
| Genre | : Business & Economics |
| ISBN | : 9780117036024 |
The Pensions Commission is an independent body established by the Government to review the adequacy of current arrangements for private pensions and retirement savings in the UK and to make recommendations on appropriate policy changes, including the option of moving to a compulsory system. Following on from its first report (ISBN 0117027804) published in October 2004, this second report sets out the Commission's conclusions on the likely evolution of the UK pension system if policy is unchanged, and makes recommendations for a new policy direction. Recommendations are based on two key elements: the automatic enrolment of employees into either a new National Pensions Savings System or into existing company pension schemes, with an option for employees to opt-out, and with a modest compulsory employer matching contribution; and reform of state pension provision in order to make it simpler to understand and less means-tested. The Commission concludes that these reforms will require some increase in public expenditure on pensions as a percentage of GDP over the next 45 years, and that increases in state pension ages will be needed to keep that increase within sustainable levels over the long term. The Commission presents a range of possible combinations of public expenditure and state pensions ages, and calls for a public debate to consider these options. It also recommends the establishment of a successor body to continue to review the situation and report to Parliament and government every four years.
| Author | : John Hills |
| Publisher | : |
| Total Pages | : |
| Release | : 2010 |
| Genre | : |
| ISBN | : |
This article summarizes the analysis and recommendations of the UK Pensions Commission, which reported in November 2005. The UK faces similar demographic challenges to other nations from increasing longevity and past fertility declines. However, in the face of them, both state and private pension provision are in decline for younger cohorts. The Commission proposes reforms to the state pension system which would make it more generous, less means-tested, and more universal than it would otherwise become. This would require both higher public spending on pensions as a share of GDP than now, and a gradual increase in state pension age after 2020. It also proposes establishment of a new National Pension Savings Scheme, into which workers would be automatically enrolled (with the right to opt out) if they were outside good employer provision, together with measures to facilitate later and more flexible retirement.
| Author | : Michael S. Gordon |
| Publisher | : University of Pennsylvania Press |
| Total Pages | : 278 |
| Release | : 1997-04-29 |
| Genre | : Business & Economics |
| ISBN | : 9780812233919 |
As the United States comes to terms with the pending insolvency of social security, workers are increasingly pinning their hopes for retirement adequacy on employer-sponsored plans. Positioning Pensions for the Twenty-First Century analyzes the role of pensions in retirement security, examining how these programs will evolve to meet the challenges to our nation's retirement system. The book brings together a team of leading economists, corporate and labor specialists, actuaries, and policy experts to examine the future of retirement options within the context of emerging labor and business trends and innovative developments in the pension community. They show how a successful public and private pension system can be sustained and strengthened and demonstrate how employer pensions can be configured against a delicately financed social insurance system. The book's contributions examine where pensions have succeeded and failed over the last several decades and point to positive new developments in the pension arena. Its coverage includes innovative pension options such as hybrid and cash-balance plans; pension funding regulations; changes in GATT laws altering pension insurance premiums; and emerging developments concerning administrative costs and pension obligation bonds. It also features new research on defined contribution plan investment options and includes three case studies of participant-directed pension investments, telling how thousands of workers are allocating their pension savings in 401(k) and related plans. Positioning Pensions for the Twenty-First Century is essential reading for all managers, employees, and policymakers concerned with designing pension systems that can withstand the challenges of the next decade.
| Author | : Eve Worth |
| Publisher | : Bloomsbury Publishing |
| Total Pages | : 373 |
| Release | : 2021-12-16 |
| Genre | : History |
| ISBN | : 1350192082 |
Women born in mid twentieth-century Britain were the 'welfare state generation' – not only were their lives fundamentally shaped by the welfare state, they helped to transform it. In this ground-breaking work, Eve Worth examines the impact of the welfare state on the life course of women whose opportunities and social experiences were formed by it in the post-1945 period. Centred around an oral history study, this book argues that the welfare state was so central to the lives of women born in Britain between the late 1930s and early 1950s that they should be considered the 'welfare state generation'. The post-war expansion of the welfare state was one of the most transformative political changes of the twentieth century, yet we know little about its development in practice, nor its long-term impact on those who grew up within it. Using a ground-breaking life history methodology to examine women from their birth in the long 1940s to retirement in the mid-2010s, it includes thirty-six original life history interviews alongside social surveys and the Census for wider context By deploying a cross-class approach, this book moves the discussion on from just looking at university-educated women, to include women often overlooked in gender and social studies. Re-conceptualising the causes of social mobility in post-war Britain, exploring a new understanding of work and an updated periodisation of welfare state development, The Welfare State Generation offers a new approach to the history of class and gender, arguing that we need to move beyond the focus on women's emotions and personal identity, to consider their experiences and relationships with the state as employer, educator and provider.
| Author | : American Bar Association. House of Delegates |
| Publisher | : American Bar Association |
| Total Pages | : 216 |
| Release | : 2007 |
| Genre | : Law |
| ISBN | : 9781590318737 |
The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.
| Author | : Stationery Office (Great Britain) |
| Publisher | : |
| Total Pages | : 696 |
| Release | : 2005 |
| Genre | : Government publications |
| ISBN | : |
| Author | : Gerard Hughes |
| Publisher | : Edward Elgar Publishing |
| Total Pages | : 312 |
| Release | : 2009 |
| Genre | : Business & Economics |
| ISBN | : |
In response to demographic change many countries in the European Union have reformed their pension systems. During the last two decades personal pensions have been introduced in Belgium, Denmark, France, Germany, Ireland, Italy, Poland, Sweden, and the UK. This book is a critical examination of the objectives of personal pensions in these countries and the use of tax incentives to encourage individuals to save for their retirement. It also includes discussion on personal pensions in the United States. The volume focuses on issues such as risk, administrative expense, and the role of tax allowances in encouraging personal pension provision. Based on the evidence from these countries it is concluded that expectations relating to the take up of personal pensions have not been met and that EU countries should not rely on personal pensions to improve income adequacy at the lower end of the income distribution. Academics and researchers teaching and studying employee benefits and pension costs - particularly in countries that have recently reformed their pension systems - will warmly welcome this book. Government bodies involved in pension reform and European Commission institutions concerned with the evolution and problems with pension policy within the EU will also find this book an informative and invaluable read.
