Tag Archives: CARE
Why planning for “care” is everyone’s business
Whether we are carers or ‘cared for’, we are likely to be involved in caring in the future. Of course the pandemic has highlighted the under-funding of residential care homes and the lack of support given to many home carers, … Continue reading
Posted in advice gap, Change, pensions
Tagged CARE, financial planning, L&G, Legal and General, long term care
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Why we’ve failed to build a national care service
Sage seem to consider the major problem in care homes the impact it is having on the R number. At least that is how it is being reported. Sage member Professor John Edmunds told the FT Covid-19 infections in hospitals … Continue reading
Posted in actuaries, advice gap, coronavirus, pensions
Tagged CARE, Care Homes, Covid-19, long term care, NHS, Social care
2 Comments
Our right to dream of a fairer deal for older people.
It’s been another brutal week in politics. I’m glad that the pensions team in place at the start of it – remain in place at the end of it. I’m pleased that Guy Opperman remains our pensions minister. As my … Continue reading
Posted in age wage, pensions
Tagged AgeWage, CARE, change, ESG, Guy Opperman, NHS, PLSA, Tax, Teresa Coffey, Treasury, trust
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Who cares? And how do we pay them?
News that the Government is mulling a new Care ISA – to be funded from retirement savings will be greeted with joy within the bubble and indifference from the vase majority of people who do not plan for the consequences … Continue reading
Posted in pensions
Tagged CARE, Care-free, Care-ISA, ISA, pension, Retirement, Sarah Wollaston
6 Comments
Opting back into a pension scheme?!?
One of the uses of a CDC scheme could be to allow people who have opted out of a DB plan – to opt back into a scheme which pays them a wage for life – albeit one that isn’t … Continue reading
Posted in advice gap, auto-enrolment, CDC, pensions
Tagged BSPS, CARE, CDC, NHS, Old age, pension, pensions, Retirement, tata, Wage for life
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Planning for a noble and quick death?
The FT has been doing some research about what motivates people to swap a pension for drawdown. The sample may not have been big but they’re drawing a strange conclusion. The superiority of the death benefits within drawdown are … Continue reading
Posted in Facebook, First Actuarial, pensions, twitter
Tagged CARE, Debora Price, Dementia, Drawdown, jo cumbo, Old age, pension
3 Comments
The Care-taker
The Caretaker or janitor was a familiar figure in apartment blocks until recently. Their demise has coincided with the advent of outsourced facilities management. Listening to the National Association of Fire Door manufacturers calling this morning for a single accountable … Continue reading
Posted in pensions
Tagged CARE, Duty of Care, Fiduciary Management, fund management, governance, IGCs
2 Comments
If you don’t know who’s paying, it’s probably you.
The last few days have seen a reality check on who’s paying for the long term care of our elderly. Now I read this morning a report by the Resolution Foundation on who’s paying for the deficit reduction plans … Continue reading
Posted in pensions
Tagged CARE, DB pensions, Funding, Pension Funding, pensions, Social care, Victimless crim
5 Comments
Actuaries! Talk with us – don’t argue with each other.
There’s a silly letter in the FT this week which I print in full. Sir, Jo Cumbo’s report “Mortality update bodes well for pension deficits” (May 4) refers to an assertion by PwC that slowing mortality improvements could reduce UK … Continue reading
Posted in actuaries, pensions
Tagged actuaries, CARE, DB, defined benefit, long term care, morbidity, mortality, pensions, state pension
5 Comments
The CWU pension proposals – your questions answered.
Yesterday’s article got a lot of interest and a number of people have asked for the technical details behind the CWU’s headlines; but first the headlines! All 130,000 Royal Mail staff could have access to DB accrual going forward Members … Continue reading