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Supporting Automatic Enrolment
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Author :Great Britain: Department for Work and Pensions Publisher :The Stationery Office ISBN 13 :9780101795425 Total Pages :214 pages Book Rating :4.7/5 (954 download)
Book Synopsis Making automatic enrolment work by : Great Britain: Department for Work and Pensions
Download or read book Making automatic enrolment work written by Great Britain: Department for Work and Pensions and published by The Stationery Office. This book was released on 2010-10-27 with total page 214 pages. Available in PDF, EPUB and Kindle. Book excerpt: Current policy is that new duties will be staged in between 2012 and 2016, requiring all employers to designate a pension scheme into which all of their employees, aged between 22 and state pension age, should be automatically enrolled, so long as they are earning above an annual earnings threshold (the Pensions Act 2008 sets this at £5,035, equivalent to £5,732 in today's terms). Upon automatic enrolment, a minimum of eight per cent of earnings within a band would be contributed to the pension, with at least three per cent coming from the employer. This policy is designed to maximise private pension saving by individuals without imposing compulsion. The right to opt out will remain. This review looks at the scope of automatic enrolment and whether a new national pension scheme (National Employment Savings Trust or NEST) needs to be put in place for it to work. One of the most significant recommendations that it makes is that people should only be automatically enrolled once they reach the income tax threshold (which will increase to £7.475 in 2011) but that contributions should be on earnings in excess of the National Insurance earnings threshold (£5,715 in today's prices). There should be no changes to age thresholds and automatic enrolment duties should apply to all employers, regardless of size, as now. Employers should be given three months before auto-enrolment to ease the burden on companies. If staff choose to enrol before the three month period then companies will have to make contributions
Author :Great Britain: Parliament: House of Commons: Work and Pensions Committee Publisher :The Stationery Office ISBN 13 :9780215042972 Total Pages :238 pages Book Rating :4.0/5 (429 download)
Book Synopsis Automatic enrolment in workplace pensions and the National Employment Savings Trust by : Great Britain: Parliament: House of Commons: Work and Pensions Committee
Download or read book Automatic enrolment in workplace pensions and the National Employment Savings Trust written by Great Britain: Parliament: House of Commons: Work and Pensions Committee and published by The Stationery Office. This book was released on 2012-03-15 with total page 238 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Government established NEST as a low-cost pension scheme to help deliver the auto-enrolment programme and to address a market failure in the pensions industry which meant that many employers and employees were unable to access low-cost, good quality pension provision. However, the Committee believes that certain restrictions placed on NEST will create complexity for employers and will disadvantage some employees. The Committee's report recommends that, if state aid rules allow, the Government should remove the following restrictions: the cap on the annual contributions an individual can make to a NEST scheme; and the ban on individuals transferring existing pension pots into NEST. The Committee further urges the Government to proceed with its plans for State Pension reform, introducing a flat-rate State Pension and reducing the level of means-testing without delay. The report also highlights the difficulties and complexity employers and employees currently face in comparing the fees and charges applied by pension providers and recommends that, from 2013 onwards, if some auto-enrolment schemes still have hidden charges, or charges that represent poor value for money, the Government should use its powers to intervene. Auto-enrolment will impose new costs and may be particularly challenging for small employers however the Committee considers that the Government has taken appropriate steps to minimise the impact on businesses through its gradual and flexible approach ("staging and phasing") to implementation. Exempting small employers would create significant complexity, as well as excluding many employees from the benefits of workplace pension saving
Author :Great Britain: Parliament: House of Commons: Work and Pensions Committee Publisher :The Stationery Office ISBN 13 :9780215054104 Total Pages :26 pages Book Rating :4.0/5 (541 download)
Book Synopsis Lifting the Restrictions on NEST by : Great Britain: Parliament: House of Commons: Work and Pensions Committee
Download or read book Lifting the Restrictions on NEST written by Great Britain: Parliament: House of Commons: Work and Pensions Committee and published by The Stationery Office. This book was released on 2013-02-11 with total page 26 pages. Available in PDF, EPUB and Kindle. Book excerpt: For auto-enrolment to continue to work successfully, NEST must be allowed to thrive. Employers want simplicity. They want to be able to choose one pension scheme to cover all their employees. The cap on annual contributions to NEST means that employers can't opt for NEST for their higher-earners or if they want to make more generous contributions. So some employers are dismissing the NEST option and choosing a private pension provider who can offer a scheme for all their employees. NEST is required to be a low-cost scheme and to offer good value. Other pension providers don't have this same obligation. There is therefore a risk that the restrictions will mean some employees are prevented from having access to the best value pension scheme available. The Government has already made clear that it will need to "fix" the issue of transfers in and out of NEST if it wishes to implement its "pot follows member" solution to the current problem of small pension pots. Amongst recommendations made in the report is that the Government should make it a priority to gain certainty on the conditions for the European Commission's approval of state aid for NEST, to ensure that this is no longer perceived to be an obstacle to removing the restrictions. Auto-enrolment begins for medium and small employers from 2014. They will begin preparations a year to 18 months before then. Now is the time for action to be taken, it cannot wait until 2017.
Author :Great Britain: Parliament: House of Commons: Work and Pensions Committee Publisher :The Stationery Office ISBN 13 :9780215056979 Total Pages :64 pages Book Rating :4.0/5 (569 download)
Book Synopsis Improving Governance and Best Practice in Workplace Pensions by : Great Britain: Parliament: House of Commons: Work and Pensions Committee
Download or read book Improving Governance and Best Practice in Workplace Pensions written by Great Britain: Parliament: House of Commons: Work and Pensions Committee and published by The Stationery Office. This book was released on 2013-04-25 with total page 64 pages. Available in PDF, EPUB and Kindle. Book excerpt: The introduction of auto-enrolment makes rigorous pension scheme governance essential. This Report calls on the Government to reassess the case for establishing one body with sole responsibility for regulating workplace pensions. There are concerns over current gaps in regulation and the potential for further gaps to arise as a result of now having three regulators, the Pensions Regulator; and the new Financial Conduct Authority and Prudential Regulation Authority, set up to replace the FSA. The Report argues that a single regulator is necessary to ensure that all members of workplace pension schemes are adequately and consistently protected. It also highlights that deferred-member charges and member-borne consultancy charges have the potential to cause serious consumer detriment. It recommends that both are banned by the Government, if significant progress is not made in the very near future by the industry towards ending them. There is particular concern about member-borne consultancy charges and those charges applied to deferred members - people who stop contributing to their pension scheme. The trend towards lower pension scheme charges is welcome. However, a good average is not sufficient and there is potential for consumer detriment in schemes that persist in retaining high charges. The Government should also regularly review its policy on capping charges for auto-enrolment schemes. Consumers are also continuing to lose out when they buy annuities because pension providers are not doing enough to ensure people are aware that they can shop around for the best annuity rate rather than being obliged to buy an annuity from their pension provider.
Book Synopsis Solidarity Across Generations by : Eri Kasagi
Download or read book Solidarity Across Generations written by Eri Kasagi and published by Springer Nature. This book was released on 2020-09-20 with total page 309 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book addresses the universal and topical question of solidarity across generations from a comparative perspective, with a particular focus on the legal issues concerning retirement pensions, the poverty in the elderly, long-term care, as well as state interventions and family support for those at risk. Drawing on insights from the interface between family law, administrative law and social law, it examines 13 countries on different continents, and also briefly covers a number of additional countries in the introduction. This book is a based on the discussions and exchanges at the 20th General Congress of the International Academy of Comparative Law, in Fukuoka, Japan.
Author :Great Britain: Parliament: House of Commons: Work and Pensions Committee Publisher :The Stationery Office ISBN 13 :9780215055552 Total Pages :168 pages Book Rating :4.0/5 (555 download)
Book Synopsis The Single-tier State Pension by : Great Britain: Parliament: House of Commons: Work and Pensions Committee
Download or read book The Single-tier State Pension written by Great Britain: Parliament: House of Commons: Work and Pensions Committee and published by The Stationery Office. This book was released on 2013-04-04 with total page 168 pages. Available in PDF, EPUB and Kindle. Book excerpt: This report welcomes the improvements in retirement income that the new Single-tier State Pension will bring. However, the key to the policy's successful implementation lies in the Government informing the public as soon as possible about how it will affect individuals. The Committee criticises the Government for hampering its scrutiny of the proposals. The Government not only imposed an extremely tight timetable, but brought forward the implementation date by a year, after the Committee had completed taking evidence. The Committee says that the Government must work with them to ensure the transition is as smooth as possible and that Defined Benefit pension schemes do not suffer as a result. The Government should also develop and publish a clear explanation of how means-tested support, including passported benefits, will operate under the Single-tier Pension, and the transitional protection that will be put in place. Many women born between 1952 and 1953 believed that they would suffer a double adverse effect on their State Pension income, arising from the increases in their State Pension Age combined with their ineligibility for the Single-tier Pension, if it was introduced in 2017 as set out in the White Paper. The Government should clarify the position. Some women did not build up their own NI record because they had an expectation that they would be able to rely on their husband's contributions to give them entitlement to a Basic State Pension. The Government should assess and publish the cost of allowing women in this position who are within 15 years of State Pension Age to retain this right
Book Synopsis Valuing and Supporting Carers by : Terry Rooney
Download or read book Valuing and Supporting Carers written by Terry Rooney and published by The Stationery Office. This book was released on 2009-09 with total page 198 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis FCC Record by : United States. Federal Communications Commission
Download or read book FCC Record written by United States. Federal Communications Commission and published by . This book was released on 2011 with total page 920 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Choosing Not to Choose by : Cass R. Sunstein
Download or read book Choosing Not to Choose written by Cass R. Sunstein and published by Oxford University Press. This book was released on 2015-03-13 with total page 236 pages. Available in PDF, EPUB and Kindle. Book excerpt: Our ability to make choices is fundamental to our sense of ourselves as human beings, and essential to the political values of freedom-protecting nations. Whom we love; where we work; how we spend our time; what we buy; such choices define us in the eyes of ourselves and others, and much blood and ink has been spilt to establish and protect our rights to make them freely. Choice can also be a burden. Our cognitive capacity to research and make the best decisions is limited, so every active choice comes at a cost. In modern life the requirement to make active choices can often be overwhelming. So, across broad areas of our lives, from health plans to energy suppliers, many of us choose not to choose. By following our default options, we save ourselves the costs of making active choices. By setting those options, governments and corporations dictate the outcomes for when we decide by default. This is among the most significant ways in which they effect social change, yet we are just beginning to understand the power and impact of default rules. Many central questions remain unanswered: When should governments set such defaults, and when should they insist on active choices? How should such defaults be made? What makes some defaults successful while others fail? Cass R. Sunstein has long been at the forefront of developing public policy and regulation to use government power to encourage people to make better decisions. In this major new book, Choosing Not to Choose, he presents his most complete argument yet for how we should understand the value of choice, and when and how we should enable people to choose not to choose. The onset of big data gives corporations and governments the power to make ever more sophisticated decisions on our behalf, defaulting us to buy the goods we predictably want, or vote for the parties and policies we predictably support. As consumers we are starting to embrace the benefits this can bring. But should we? What will be the long-term effects of limiting our active choices on our agency? And can such personalized defaults be imported from the marketplace to politics and the law? Confronting the challenging future of data-driven decision-making, Sunstein presents a manifesto for how personalized defaults should be used to enhance, rather than restrict, our freedom and well-being.
Book Synopsis Compensation, Work Hours and Benefits by : J. Hirsch
Download or read book Compensation, Work Hours and Benefits written by J. Hirsch and published by Kluwer Law International B.V.. This book was released on 2009-05-12 with total page 654 pages. Available in PDF, EPUB and Kindle. Book excerpt: Each year, the New York University Annual Conference on Labor calls on outstanding scholars and practitioners in the field to come together to survey and analyse new developments and trends in U.S. labor law and practice. Reproduced here are papers delivered at the 2004 conference, the 57th in this venerable and highly influential series, with other articles either reprinted from earlier publications or written for this volume. The theme of the 2004 Conference was “Compensation, Work Hours, and Benefits.” The broad range of contexts in which compensation, work hours, and benefits issues and disputes arise is clearly on display in the many relevant aspects with which the authors engage. These issues are gathered into nine categories as follows: problems in ensuring acceptable compensation and work conditions in a global economy; attempts by states and municipalities to implement living wage measures and the potential conflict between such attempts and the doctrine of private labor law preemption; the possible demise of traditional pension benefits; recent workplace developments arising in response to the Fair Labor Standards Act (FLSA); the legality of policies surrounding attempts to keep workers’ pay secret; special compensation claims typically found in securities industry arbitration; state protections for non-salary forms of compensation; regulation of multiemployer benefit plans by the Employee Retirement Income Security Act (ERISA); and compensation, work hours and benefits issues with regard to multinational organizations. As always, this important annual publication offers definitive current scholarship in its theme area of labor and employment law. As such, it will be of inestimable value to practitioners, government officials, academics, and others interested in developments in U.S. employment and labor relations law and practice.
Book Synopsis Employee Benefits and Executive Compensation by : Samuel Estreicher
Download or read book Employee Benefits and Executive Compensation written by Samuel Estreicher and published by Kluwer Law International B.V.. This book was released on 2010-01-01 with total page 762 pages. Available in PDF, EPUB and Kindle. Book excerpt: Employee benefits and executive compensation, long a matter of considerable interest to employees and employers, have become subjects of increasingly intense public scrutiny and debate in the past few years. Indeed, you cannot pick up a newspaper, listen to a news broadcast, or consult the Internet without encountering a report on these subjects. These issues played heavily during the 2008 presidential campaign.
Author :Great Britain: Parliament: House of Commons: Work and Pensions Committee Publisher :The Stationery Office ISBN 13 :9780215540485 Total Pages :184 pages Book Rating :4.5/5 (44 download)
Book Synopsis Tackling pensioner poverty by : Great Britain: Parliament: House of Commons: Work and Pensions Committee
Download or read book Tackling pensioner poverty written by Great Britain: Parliament: House of Commons: Work and Pensions Committee and published by The Stationery Office. This book was released on 2009-07-30 with total page 184 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Employment Law and Pensions by : David Pollard
Download or read book Employment Law and Pensions written by David Pollard and published by Bloomsbury Publishing. This book was released on 2023-07-13 with total page 931 pages. Available in PDF, EPUB and Kindle. Book excerpt: Save time with the only dedicated text on the market that deals with the intersection of pension and employment law issues. Alongside a comprehensive overview of pensions provision in the UK, this title is organised into seven parts to guide you through the distinct issues concerning these intersecting disciplines. These include the obligations of employers, unlawful discrimination, employment contracts, employers' powers and consultation, TUPE and the cessation of employment. The Second Edition has been fully updated to include: - New cases across all seven parts of the work, assessing their impact on practice and procedure, including Walker v Innospec in the Supreme Court and IBM v Dalgeish and Bradbury v BBC in the Court of Appeal - New chapters covering: - disability discrimination and pensions - the definition of pensionable pay in a pension trust - Braganza duties on employers - whether TUPE transfers third party obligations - The impact of Brexit on pensions provision in the UK This title is included in Bloomsbury Professional's Employment Law and Pensions Law online services.
Author :United States. Congress. House. Committee on Oversight and Government Reform. Subcommittee on Federal Workforce, Postal Service, and the District of Columbia Publisher : ISBN 13 : Total Pages :100 pages Book Rating :4.0/5 ( download)
Book Synopsis Catching Up by : United States. Congress. House. Committee on Oversight and Government Reform. Subcommittee on Federal Workforce, Postal Service, and the District of Columbia
Download or read book Catching Up written by United States. Congress. House. Committee on Oversight and Government Reform. Subcommittee on Federal Workforce, Postal Service, and the District of Columbia and published by . This book was released on 2009 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Pensions Imperilled by : Craig Berry
Download or read book Pensions Imperilled written by Craig Berry and published by Oxford University Press. This book was released on 2021-01-11 with total page 338 pages. Available in PDF, EPUB and Kindle. Book excerpt: Private pensions provision in the UK is in crisis, yet it is not the crisis often depicted in political and popular discourses. While population ageing has affected traditional pensions practice, the imperilment of UK pensions is due in fact to the peculiar way policy-makers have responded to wider social and economic change. Pensions are a mechanism for managing failed futures, yet this function is being impeded by the individualization of provision. This book offers a political economy perspective on the development of private pensions, focusing specifically on how policy elites have sought to respond to perceived crises of demographic change, under-saving, and fund deficits, and in doing so have absorbed imperatives to subject individuals to a market-led regime under the influence of neoliberal ideology. This terrain is explored through chapters on the historical and comparative context of UK pensions provision, the demise of collectivist provision, the rise of pensions individualization and the state's role as facilitator and regulator in this regard, and the financial and economic context in which pensions provision operates. By placing the UK system in a comparative context of pensions reform agendas across the world, this book offers an original understanding of the unique temporality and materiality of pensions provision as a set of mechanisms for coping with generational change and forecast failures in capitalist economies. It also presents a nuanced account of the extent to which the state acts to anchor the process of pensions rematerialization and, crucially, concludes by outlining a coherent and radical programme of progressive pensions reform.
Author :Great Britain: Parliament: House of Commons: Work and Pensions Committee Publisher :The Stationery Office ISBN 13 :021503001X Total Pages :459 pages Book Rating :4.2/5 (15 download)
Book Synopsis Pension Reform by : Great Britain: Parliament: House of Commons: Work and Pensions Committee
Download or read book Pension Reform written by Great Britain: Parliament: House of Commons: Work and Pensions Committee and published by The Stationery Office. This book was released on 2006-07-22 with total page 459 pages. Available in PDF, EPUB and Kindle. Book excerpt: Pension Reform : Fourth report of session 2005-06, Vol. 2: Oral and written Evidence
Book Synopsis The Ethics of Influence by : Cass R. Sunstein
Download or read book The Ethics of Influence written by Cass R. Sunstein and published by Cambridge University Press. This book was released on 2016-08-24 with total page 237 pages. Available in PDF, EPUB and Kindle. Book excerpt: In recent years, 'nudge units' or 'behavioral insights teams' have been created in the United States, the United Kingdom, Germany, and other nations. All over the world, public officials are using the behavioral sciences to protect the environment, promote employment and economic growth, reduce poverty, and increase national security. In this book, Cass R. Sunstein, the eminent legal scholar and best-selling co-author of Nudge (2008), breaks new ground with a deep yet highly readable investigation into the ethical issues surrounding nudges, choice architecture, and mandates, addressing such issues as welfare, autonomy, self-government, dignity, manipulation, and the constraints and responsibilities of an ethical state. Complementing the ethical discussion, The Ethics of Influence: Government in the Age of Behavioral Science contains a wealth of new data on people's attitudes towards a broad range of nudges, choice architecture, and mandates.
