Tag Archives: NHS

Affordability – is the NHS pricing people out of its pension scheme?


  Perhaps we are getting a little complacent about opt-outs? The FT has published research showing that opt-outs from the NHS pension scheme are running at 5 times the rate of opt-outs from the Local Government Scheme. When I first … Continue reading

Posted in NHS, pensions | Tagged , , , | 4 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 , , , , , , , , , | Leave a comment

The Oxleas pension scandal


The offer made by the Oxleas NHS Foundation Trust is a scandal. There is no other word for it. Staff are being misinformed about pensions and being offered “sexy-cash” to help Oxleas balance its books. Our nurses are worth more … Continue reading

Posted in pensions | Tagged , , , , , , , , , , , , | 4 Comments

TEE(n) – Why would Osborne do anything else?


  I was re-reading Steve Webb’s article in the Daily Telegraph where he outlines why he thinks Pensions ISAs would be a disaster. The more I read it, the less I get it. Let’s go back to basics. It is … Continue reading

Posted in Pension Freedoms, pension playpen, pensions, Politics, Public sector pensions | Tagged , , , , , , , | 5 Comments

Should workplace pensions have a duty of candour?


We seem to have learned nothing from the Office of Fair Trading report on workplace pensions. In case you’ve forgotten, the OFT reported they’d never encountered such  poor purchasing as with employers purchasing pensions for their staff. What has been … Continue reading

Posted in pensions | Tagged , , , , , , , , | 10 Comments

Helping carers to a proper pension..


How hard is it for us to get those who care for others , the same pension rights as those of us cared for by our employers? Rather hard – it would seem – at least according to yesterday’s Moneybox. … Continue reading

Posted in auto-enrolment, pensions | Tagged , , , , , , , , , , , , , | Leave a comment

The NHS may hold the keys to Guidance


  I’m indebted to KPMG research for this excellent piece of research. If you didn’t click the link, here is the text of an article entitled “Can patients get the information they need”. Patients need information that is often very … Continue reading

Posted in advice gap, Guidance, pensions | Tagged , , , , , , , , , , , | Leave a comment