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Life & Pensions

State Pension Age »
An individual cannot draw their State Pension until they have attained State Pension Age (SPA). SPA will also impact upon entitlement for Pension Credit, irrespective of the claimant's gender; with the Guaranteed Credit payable from the female SPA where earlier than the male SPA with the Savings Credit payable from the male SPA.
State Pension Credit »
The State Pension Credit was introduced from 6 October 2003 following on from the Minimum Income Guarantee (MIG) that was introduced in April 1999 as one of the measures in the government's Green Paper 'A new contract for welfare: Partnership in Pensions'. According to the then Labour Government the MIG would '…. provide a new standard of decency in retirement and a new benchmark for security'. 
Single-tier state pension »
The Single-tier State Pension (StSP), was introduced for all those attaining their State Pension Age (SPA) on or after 6 April 2016, which rather confusingly the DWP is refers to as A-Day, or the Appointed Day. For those individuals it will replace the Current State Pension scheme; i.e. Basic State Pension (BSP), Graduated Retirement Benefit (GRB), State Earnings Related Pensions (SERPS) and State Second Pension (S2P). All individuals will be notified of their accrued entitlement as at 5 April 2016, this is referred to as their "Foundation Amount". It is the higher of their current entitlement calculated both under the pre 6 April 2016 rules and also under the new rules. All future entitlement under the new rules will be added to the Foundation Amount.
The current State Pension scheme - additional State Pension »
The "Current State Pension Scheme" refers to the following, non means-tested elements, of the State Retirement provision:
The current State Pension scheme - Graduated Retirement Benefit (GRB) »
The "current State Pension Scheme" refers to the following, non means-tested elements, of the State Retirement provision:
The current State Pension Scheme - State Earnings Related Pensions (SERPS) »
The "Current State Pension Scheme" refers to the following, non means-tested elements, of the State Retirement provision:
The current State Pension scheme - State Second Pension (S2P) »
The "Current State Pension Scheme" refers to the following, non means-tested elements, of the State Retirement provision:
The current State Pension scheme - topping up benefits »
The "Current State Pension Scheme" refers to the following, non means-tested elements, of the State Retirement provision:
Maintaining the momentum on auto-enrolment »
Should the Government exploit the success of auto-enrolment by increasing savings amounts or extending it to include life and protection insurance? Nick Hurman FCII Chartered Insurer explores the issues.
Asset protection trusts and care fees »
The last time we looked at asset protection trusts was about four years ago. Since then we have had some interesting developments both in the area of care fees and the promotion of certain types of trust.
Salary sacrifice »
Salary sacrifice is in the news again, rather unexpectedly. In his Autumn Statement, the Chancellor of the Exchequer explained that the government 'remains concerned' about the growth of salary sacrifice arrangements and was considering whether any action was necessary. 
What consumers want: pensions freedoms and the "new normal" »
Research by the CII conducted in late 2015 on how consumers are accessing pensions following the "pensions freedoms" coming into force.
Clearer communications vital to consumer trust »
Independent research commissioned by the CII has identified that customers want greater empathy, clarity and consistency from providers when accessing their pensions under the new freedoms.
Asset protection trusts and care fees »
The last time we looked at asset protection trusts was about four years ago. Since then we have had some interesting developments both in the area of care fees and the promotion of certain types of trust.
Settlor-interested trusts »
One of the questions that is frequently asked by clients of Technical Connection relates to the liability to tax of the settlor of a trust. Many questions appear to stem from a misunderstanding of the term "settlor". This month we seek to clarify some of the issues using a case study. It is particularly relevant toUKsettlors of offshore trusts.

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