This afternoon the government announced plans to introduce a new flat-rate state pension.
The new state pension will come into effect from 2017 as part of a reform package to be announced to Parliament today.
At today’s prices it will be worth around £144 a week and will only be paid to future retirees,
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The minimum number of years a person will have to pay national insurance (NI) in order to receive the full state pension payment will rise from 30 years to 35 years. Carers taking time out of work will gain NI credits.
Under the current system, an individual begins to build up state pension entitlement after one year of NI contributions. Under the new system, this will rise to 10 years.
All contracting out of NI will be scrapped from 2017. The proposals are reported to include a mechanism to allow those in defined benefit schemes who would have lost out through scrapping the contracted-out rebate to recoup this money.
In addition, the state pension age will be increased in line with life expectancy.
Barnett Waddingham consultant, Malcolm McLean, said: “The concept of a single, simpler-to-understand state pension pitched at a level that lifts as many people as possible off means testing and encourages them to save privately to give themselves a better standard of living in their later years is very desirable if not essential in a society such as ours with an ageing population.”
He warns, however, that: “The task of bringing together the various diverse components that currently collectively make up state pension provision was never going to be easy and it is inevitable that there will be some losers as well as winners in the process of change.”
According to Barnett Waddingham, the winners and losers are:
Winners
- Those for whom their state pension under the present system would have been solely the basic state pension of £107.45 per week (at current prices) including many women and the self-employed who have been excluded from building up any state second pension (formerly Serps).
- Those who would have had an entitlement to pension credit under the old system to top up their income but who would not have claimed it for a variety of reasons – pride, fear or ignorance (lack of awareness).
- Those on relatively low earnings who would be put off private pension scheme saving by the risk of losing out on or over-lapping with means-tested benefits.
- Those who beg for greater clarity in pension rules and a simpler and more understandable state pension as a basis for planning their retirement finances.
Losers
- Existing pensioners and those who reach their state pension age (SPA) before the new scheme is introduced in 2017. They will be excluded from the new scheme and many have already expressed their resentment and what they see as being treated as ‘second-tier pensioners’. Expect a political backlash on this.
- By pushing the original start date from 2015 to 2017 there will be more people who will have reached their state pension age in the intervening period and will now not qualify for the new pension. There will also be a minimum NI qualifying period of 10 years which will mean that those with less than this will receive no pension. There is also likely to be a ‘cliff-edge’ effect where someone who reaches their SPA the day before the implementation date could be awarded a pension some 40% less than someone who reaches SPA the day after.
- The position is not clear on those many thousands who have accrued rights to the state pension (S2P formerly SERPS) and would have qualified for a total pension in excess of the new rate under the old rules. Will they be limited to the new pension rate, will they still receive the higher rate and how, when and for how long will this be allowed?
- The impact of the effective ending of the ability to contract-out of S2P by salary-related occupational schemes in both the public and private sectors will be an issue for both employees and their employers. This will result in former reductions in NI rates being lost with a corresponding increase in NI payable. An employee on £25,000 a year could pay an extra £270 a year in NI with his/her employer facing an increase of £657 a year. This could cause friction in the public sector with many workers already having to pay extra for their public service pensions and could persuade more employers in the private sector to close down these type of gold plated but expensive schemes.
- It is likely that in future SPA will be pushed back more quickly to compensate for the increasing cost to the taxpayer of the state pension probably reaching 70 or beyond within the next 25 years.
How many years of contribution we have to make towards this pension, is it still 30 or longer?
I currently only have 31 qualifying years for my state pension. I am 4 years short, is there anything I can do to bump up the years. I have been actively searching for a job over the last 5 years – with no luck – not even an interview! So how am I supposed to gain 4 more qualifying years when there are so few jobs around and hundreds of people going for the same jobs.
I reach SPA on 26/3/2017 so I will not be within the new scheme!
Currently the basic SP is £107.45 per week. Assuming inflation rises every year to 2017 of, say, £5 pa the new basic pension will be around £132 pw so I do not think it is too bad.
I have a small amount of 2SP of around £10 pw but I can see a problem for many. I would hope a form of taper will be brought in to lessen the impact for those persons worst affected – if not then lets petition our MPs to make sure it is brought in!
it would appear the biggest losers in this new system would be the sector of the work force who are always forgotten the people who start work at 16 earn an income above the lower scale but barely average and paid for state second pension for 10 to 25 years that would give them a total state pension of £170 to £220 per week now seem to stand to lose the lot.
THEY ARE LOSING FAR MORE THAN THOSE MENTIONED, WHEN WILL SOMEONE OPEN THEIR EYES .
I am a disabled lady, dob 4.8.53. I cannot get a pension until I am 63 and 4 months according to the sliding scale. What happens now, have the government done a double whammey to me and will I get the lower rate pension. I am on higher rate disability but Mr Cameron wants me to get a job. Anyone out there with a job lifting empty boxes?
Good bye Cameron you are an unelected pm and you have taken pensioners to the cleaners again!
I was offered voluntary redundancy and early retirement from my local authority when I was 55 Sept 2011. i have currently 34 years NI contributions will i qualify for the state pension or will i have to look for work for a further year?
also at what age will I be able to collect the state pension i was born at the end of 1955.?
As I will be 65 in October 2016 I will only be paid the lower amount and this is totally unacceptable. As usual the government has moved the goalposts. I have been paying into the system since I was 16 and feel that i am being ripped off!!
The announcement on reforming the state pension is a major step forward in addressing our key pension challenges. A simpler, more generous state pension will be a major boost for auto-enrolment by giving employees much greater certainty that it is worth saving for their retirement. In turn, this will help employers play a crucial role in helping their employees secure decent incomes in retirement.
The proposals will allow employers to mitigate the loss of contracting out relief. However, there is still work to do to make auto-enrolment fit for purpose by removing the current restrictions on contributions.
This vital reform lays the foundation to rebuild the UK’s retirement savings. It will simplify the state pension for millions of today’s workers, allowing them to plan their retirement with more certainty.
There will inevitably be winners and losers from this package of reforms. Anyone retiring before the reforms are implemented in 2017 may wonder why they are missing out on the £144 a week pension. Public sector workers will probably be angered by their increase in national insurance rate; in fact, they will do quite well from the reforms.
We will almost certainly see another wave of private sector final salary scheme closures in response to the abolition of contracting out.
Low earners and the self-employed will potentially be the big beneficiaries from the new more generous basic state pension.
The announcement for a simpler, more generous state pension is a much-needed shake-up that will ultimately help millions of pensioners and savers. For the first time in a generation, people will know that it pays to save, and that whatever they put aside won’t be eroded by means-testing when they retire.
We welcome the government’s strong commitment to radical change. This blueprint is a key step towards a system that will help people retire with confidence and dignity. The trade-off for working longer must be this better state pension, which will also treat women, the low-paid, and the self-employed more fairly.
People like their pensions simple. This will set a clearer, fairer state pension that offers an easily-understood foundation on which they can plan their retirement. A flat-rate system also dovetails with the recent auto-enrolment reforms by helping workers see what they need to save in their new workplace pension.
The current state pension is unfair, complicated and in desperate need of an overhaul. Its maze of payments and credits mean that even financial experts are often left wondering what they will get. With one in three babies born this year set to live to 100, the pension system has to work evolve.
The NAPF has been campaigning for a flat-rate state ‘foundation’ pension for years. This is the light at the end of the tunnel. However, these are complicated reforms that will mean big changes in the way many company pensions are run. We are glad that the government recognises that challenge and is supportive of the need to manage the transition carefully.
Unite will be looking carefully at the proposals and small print because experience shows us you can’t trust the Coalition with our welfare. The government has given no indication that there is more money available for the state pension. This means for every winner there will be a loser.
If the government wants to improve the state pension of those who fare worst at present, then it should be financed out of progressive taxation, not by reducing the modest state benefits of average earners who have a full career.
These proposals could present real dangers to workers in the private sector. The new system will involve higher national insurance for employees currently in contracted-out defined benefit pension schemes, and higher national insurance for their employers as well. There is a danger employers will seek to claw back the cost by reducing the quality of their current pension scheme. The end result could mean any gain in state benefits will be wiped out by increased costs to employees in the private sector.
While the new higher state pension means many people will end up with more cash in their pocket when they reach retirement, the price will be a higher state pension age. And those babies born this year are likely to have a long working life, picking up their state pension at around their 80th birthday.
The message from the government is clear: ‘This is what we are going to provide for you and after that you are on your own and must take responsibility’. It’s essential, therefore, that people take control of their own financial destiny as early as possible, and start by joining their employer’s pension scheme, and then by ensuring they save as much as they can afford.
I would agree with the principle of introducing a simple pensions system which everyone understands and can incorporate into their financial planning. By making the state benefit easy to work out, it will draw attention to the requirement for individual savings to provide pension benefits in addition to the £145 per week state pension. It will also remove much of the confusion around whether individual savings will merely serve to reduce means-tested benefits and thereby remove one of the barriers to saving into a pension.
People who have had gaps in contribution, such as women who have stopped working to raise children for example, will be better off from the new flat rate.
However, there will be some questions over the implementation, particularly relating to ‘contracting out’ where an individual can currently divert part of their national insurance (NI) contribution to an occupational pension scheme. Will all of the population now receive the same flat rate pension, despite different NI contributions over preceding years? This would be viewed as unfair, but in terms of administration, it may be difficult to do anything else.
There will also be a requirement for transition arrangements to allow for individuals who currently receive more than the proposed £145 per week pension. To fund the introduction of a flat-rate pension for all, cost savings have been made by increasing state pension age.
B&CE has been campaigning for years for the simplification of pensions, and the announcement by the DWP is a huge step forward. The new flat-rate state pension will mean it genuinely pays to save, and that for every pound consumers put aside they will see the benefit when it comes to retirement.
Clarity of message and process is absolutely crucial when it comes to pensions. With millions of employees being automatically enrolled into workplace pension schemes over the next few years, the current means-testing system would have presented us in the future with the very real prospect of ‘mis-selling’ claims. The announcement redresses that issue and will enable providers to give a clear message that it pays to save regardless of the amount.
The introduction of a flat-rate state pension, with an end to means-tested retirement income benefits, has always been essential if pension saving were to make sense for modest earners. The end of the state second pension will also help simplify an arcanely complex state pension system, and help give prospective pensioners a clear idea of what the state will provide – and just as importantly, what it won’t.
These proposals are not perfect. With the end of ‘contracting out’ there will be more NI to pay for many employers, and employees. The prospect of a ‘cliff edge’ in April 2017, where those retiring one day are stuck with the old system and those the next day are on the new system, is hardly appealing. And there will be some losers in terms of state pension outcomes. But the greater good is served by having a simple, understandable, state pension, which gives a clear platform and incentive for additional saving. We have argued for a flat-rate basic state pension for years.
Alongside automatic enrolment into pension saving, this is a vital reform that many thought would never see the light of day. The task now is to build consensus around it and push on to implementation, hopefully in 2017.
Putting ‘£144 a week’ up in lights sends a clear message that the state will only provide the bare necessities. Most people will need to squirrel a lot of money away if they want to maintain anything like their previous standard of living in retirement.
However, it’s going too far to say this gives people certainty about what the can expect from the state. A simpler system is harder to change stealthily, but does anyone really expect future governments to leave the system alone? The cost of pensioner benefits and the power of the grey vote will pull politicians in different directions but further changes always look likely.
Younger people with a full career ahead of them might have expected more under the old system. They may not be grateful to the government for replacing a bigger pension with a simpler one.
We are pleased that the government has finally committed to roll out the flat-rate pension from 2017. It will not only restore simplicity as it marks the end of the convoluted means-tested state pension system, but will more importantly provide pension savers with the clarity they desperately need to make informed decisions about their retirement.
While the universal state pension will make planning for the future a lot easier, it is important to note that it will mean a lower state pension for many Britons in the long run. It is therefore crucial that people sit down and work out how much they need on top of the flat-rate state pension to achieve a comfortable retirement.
The replacement of the two-tier basic state pension and state second pension by one single-tier arrangement should lead to a welcome reduction in complexity.
The government has described the change as fiscally neutral in the next couple of decades. However, this fiscal neutrality has been achieved by paying out less to those who might have expected a full state second pension to the gain of the self-employed and, to some extent, those with career breaks.
Those losing the biggest proportion of their future pension benefit are not necessarily the highest earners for whom the state pensions are a lower proportion of income, but those earning around £35,000 to £40,000 per annum.
Those who contracted out of the state second pension through a defined benefit workplace pension scheme are likely to find they are having to pay more in national insurance now to secure a higher state pension in the future.”
This could reduce their take-home pay by up to £500. Their employers will also no longer benefit from a rebate of up to £1,200 a year meaning that employers may seek to change the benefits on offer in future.
“And a 23-year-old who has just started work might, if longevity improvements continue at the forecast rate, have to wait until the age of 73 to be able to claim the pension. Depending on future increases, they could then find that the additional pension over the existing basic state pension is considerably less than the amount they might have achieved if these revisions had not taken place.
Once the dust has settled, companies will have plenty of time to consider what they need to tell employees about the changes to state pensions. But preparations for auto-enrolment are underway now, and employers need to reflect the government’s proposals in their communications to employees.
Employees should be left in no doubt that, by saving in a workplace pension scheme, they will no longer run the risk of losing part or all of their entitlement to means-tested pension benefits. The message can now be, ‘If you want more in retirement, don’t opt out.’
The reforms will not be universally welcomed, as there will be winners and losers, but they will certainly make pension planning easier. This is a positive development that should be communicated to employees.
The Pensions White Paper is a testament to the tenacity of the pensions minister, Steve Webb. It confirms that a flat-rate state pension of £144 (at today’s prices) will be introduced from 2017, at the earliest. As part of the changes, DB contracting out will be abolished. This will be a welcome change for many. But as with many major changes, while there are winners, there will also be losers.
If this white paper has been provided as a cure for the ‘contracting-out headache’, the abolition of DB contracting-out is likely to give many sponsors a migraine. When DC contracting-out was abolished, generally protected rights were simply converted into normal DC benefits. But with the abolition of DB contracting-out, the plan is to retain the contracted-out rights within the scheme. Schemes will therefore be required to retain records and remember the restrictions attached to DB contracted-out benefits.
I am now 57 and started work just on my 15th birthday. I didn’t pay full contributions till I was 21 though, as it wasn’t possible. I already have my 35 years. Am I supposed to continue to pay for another 9 years for no addition to my pension?
Well at last someone has dealt with the pensions time-bomb and given those who will lose out a decent time period to mitigate that and plan for it. I am a hybrid – about 37 years NI contribs mainly contracted out but also about 5 years as self-employed… DOB 10 May 1953. Not sure if I will come under the new system or the old system and if the new system if I will get the £144 p.w. or some reduced amount… can anybody tell me ??/ If so I would be grateful. Also when can members of the public get an updated pensions forecast that takes account of this new legislation ?? I should also like to know that…
The massive HOLE in all of this is that nobody is mentioning the fact that the huge number of people fortunate enough to have retired early on a fat company/public/private pension pay ZERO/ZIP National Insurance contributions on their pensions,which I think is an absolute national scandal.. So the likes of John Major,Tony Blair,Retired School Teachers,Civil Servants,Private and Public Sector pensioners and Private Pensioners pay absolutely nothing towards the National Health and Insurance Service!.. If the Tories had spotted this black hole and did something about it then there would be no need for any losers in this shake-up.
i receive pension at the moment, when my husband retires in 2 years will it still be a MARRIED pension . when will they realise two people still need to eat, buy clothes etc. If we divorced and lived in same house we would each receive a pension
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I am 69 years old and I have paided N I contributions for 41 years, why can I not benefit from the increased state pension of £144 pw due to the fact that I am already retired. Being a type one diabetic for the last 37 years my life expectancy is not that much longer.