About to Retire?
Claiming the State Pension, checking your entitlement to benefits and paying the right tax in retirement.
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Approaching Retirement
Once you retire, there could be more in the way of tax-free income because there are extra income tax allowances when you reach 65 and 75. But broadly how much tax you pay depends on your income. Just as it has always done.
This leaflet covers in general terms what most people might want to know as they get close to retiring.
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Build a Better Future
This website gets you started and helps you take your next step.
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Getting a State Pensions Forecast
This forecast tells you how much State Pension you may get when you reach State Pension age.
Find out how you can get a forecast and what information you will need before you apply. You can also get help if you have questions about the forecast you have received.
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Information for Pensioners
The National Pensioners Convention (NPC) is Britain's biggest Pensioner organisation representing over 1000 local, regional and national Pensioner groups with a total of 1.5m members.
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How Pensions Work
Pensions are long-term investments with special tax rules - for example, you get tax relief on contributions.
You can't access the money in your Pension until you reach age 50, going up to 55 by April 2010. Some Pension schemes have additional rules about when you can take your benefits - check with your scheme provider.
You'll need to ask your Pension provider when they will increase the minimum age as they can do this at any time between April 2006 and April 2010. But you no longer have to stop working to draw a Pension as long as your scheme's rules let you.
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International Pension Centre
The International Pension Centre deals with all enquiries regarding the payment of State Pension, bereavement benefits, incapacity benefits and other benefits for those living abroad.
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National Insurance Top-Up
If you think you may not get a full State Pension, you can consider paying voluntary National Insurance contributions.
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NEST - National Employment Savings Trust
NEST Corporation is a non-departmental public body (NDPB) that operates at arm's length from government and is accountable to Parliament through the Secretary of State for Work and Pensions. The Department for Work and Pensions (DWP) is NEST's sponsoring department.
NEST Corporation's primary duty is to run the scheme in the interests of scheme beneficiaries. Trustee Members set the strategic direction and objectives for NEST in a way that is best for scheme members. Among other things this means they run NEST so it delivers value for scheme members’ money.
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Pension Appeals
The First-tier Tribunal (War Pensions & Armed Forces Compensation) is completely independent from the Veterans Agency and the Ministry of Defence. We deal with appeals about the Schemes that provide compensation for injuries in the Armed Forces. The War Pensions Scheme started in 1918 and continues in respect of injuries that occurred before 5 April 2005. For injuries after 5 April 2005 a new Scheme, the Armed Forces Compensation Scheme applies.
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Pension Credit
There are two different types of Pension Credit. Guarantee Credit is for those aged 60 or over. Savings Credit is for those aged 65 or over. You may get the Savings Credit on its own or with the Guarantee Credit.
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Pension Credit Toolkit
We have launched a free online toolkit for you to use when working with vulnerable pensioners. It has information and resources all in one place to help you to:
- understand who can get Pension Credit.
- pick up tips on starting a conversation about benefits.
- set up an event or work with the local media.
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Pension Deferral
You can claim your State Pension whether or not you continue
working. Or you can put off claiming to get extra weekly State
Pension or a lump sum plus your weekly State Pension at a later
date. This is called ‘deferring’ your pension.
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Pension Forecast
To find out more details of what you might get when you
reach your State Pension age, you can apply for a State
Pension forecast. This is more personalised than the ‘Profiler’, explaining how much money you could expect from the State.
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Pension Protection Fund
In brief, the Pension Protection Fund's main function is to provide compensation to members of eligible defined benefit Pension schemes, when there is a qualifying insolvency event in relation to the employer, and where there are insufficient assets in the Pension scheme to cover the Pension Protection Fund level of compensation.
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Pension Scheme Complaints
We investigate complaints about how Pension schemes are run. Our service is free and open to people who have a complaint against those responsible for the running or administration of Pension schemes.
We can also consider some issues from trustees or managers of Pension schemes and participating employers.
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Pension Tracing Service
The Pension Tracing Sevice is provided free of charge by Orchard Property & Financial Services Ltd who are Independent Financial Advisers based in West London headed up by Melvyn Andrews who has over 20 years experience in the field of pensions .
Established in 1997 Orchard have more than 3000 clients who have used the many services we are able to provide and many of them have felt confident enough in our abilities to recommend us to their friends and families.
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Pensions Advice and Information (Pensions.co.uk)
Welcome to Pensions.co.uk. The good news is that we are living longer! So, very often, we are living beyond retirement for longer. The not so good news is that in the future it is unlikely that the state will be able to fully support a far higher proportion of the population as Pensioners.
The answer is good Pension planning for everyone and it's more important than ever
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Pensions Advice and Information (Pension Sorter)
Everything you wanted to know about UK Pensions but were too afraid to ask.
If you're trying to make sense of the complex world of UK Pensions and annuities, this is the website for you.
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Pensions Advice and Information (The Pensions Trust)
The Pensions Trust is one of the leading multi-employer occupational Pension funds in the UK for the charitable, social, (for example: Housing Association) educational, (for example: non-teaching staff at Independent Schools and Universities) voluntary and not-for-profit sectors.
The Trust exists solely to serve its members. We are not answerable to shareholders: instead we are directly answerable to the employers who choose our Pension schemes and the employees, Pensioners and deferred members who belong to these schemes.
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Pensions and Retirement Advice
This web site will introduce you to an Independent Financial Adviser, offering you whole of market choice.
Pensions can be an extremly complex area and often require specialist advice. It is therefore vital that you seek independent financial advice from suitably qualified advisors.
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Pensions and Retirement Planning
If you retired before 24 October 2004, or your State Pension age is between April 2008 and April 2015, you may be able to increase your State Pension
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Pensions Archive
The history of occupational Pensions within the United Kingdom has been a progressive development over very many years, to the increasing advantage of retiring employees. It has been hailed by successive governments, and by many others, at home and abroad, as a remarkable success story.
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Pensions Force
The National Association of Pensions Funds (NAPF) is the leading voice of workplace pensions in the UK. We speak for 1,200 pension schemes with some 15 million members and assets of around £800 billion. NAPF members also include over 400 businesses providing essential services to the pensions sector.
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Pensions Guidance
HM Revenue & Customs (HMRC) was formed on the 18 April 2005, following the merger of Inland Revenue and HM Customs and Excise Departments. Work is still continuing on our office restructuring programme. We are here to ensure the correct tax is paid at the right time, whether this relates to payment of taxes received by the department or entitlement to benefits paid.
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Pensions Information and Advice
For most of us' having the standard of living we want in retirement will depend on making our finances work for us as effectively as possible. In our free guide, 'Planning your retirement income' we consider the main financial questions you need to think about as you approach retirement age as well as how to find the right kind of adviser for your needs.
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Regulating Pensions
The Pensions Regulator is the UK regulator of work-based Pension schemes.
Working to improve confidence in work-based Pensions by protecting members' benefits and encouraging high standards and good practice in running Pension schemes.
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State Pension for Britons living abroad
The Retirement Adviser is a specialist Independent Financial Adviser, established to advise Individual clients, Employers, Pension Trustees and Scheme Members to make the most of their Pension funds either approaching or at retirement. We will get the top annuity rate or suitable alternative for you and your family.
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State Pension Rate
There are different types of State Pension and the rate you get depends on your circumstances. Your eligibility for Pension Credit also depends on your personal situation.
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Understanding the Basic State Pension
The basic State Pension is a government-administered Pension. It is based on the number of qualifying years gained through National Insurance contributions (NICs) you've paid, are treated as having paid or have been credited with throughout your working life.
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Your Retirement Options - FACTS
With our 'Money Made Clear' guide from the Financial Services Authority called 'Just the facts about retirement options', we cut out the jargon and give you just the facts about your retirement options, helping you to make an informed decision.
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Working Past State Pension Age
Reaching State Pension age doesn’t mean you have to give up work. You can carry on working and still receive your State Pension. You may also be able to change your working hours to suit you. Find out about the advantages of working longer and the options available to you.
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Workplace and Personal Pensions
Starting from October 2012, millions of workers will be enrolled into a workplace pension. If you work for a larger employer you'll be enrolled first. Find out what this means for you, and the benefits of staying enrolled
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