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Pit Pensions
can anyone tell me what age miners get their full pit pension, my oh was diagnosed with cancer some months ago and although still able to work for now, he would like to claim it but he's not sure what age he has to be, whether its 59 or 60, he is 59 in february
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Tampering with voice recording
I am currently in dispute with my pension provider. They failed on several counts to provide adequate and clear information when my policy reached the final Benefit Date and I have subsequently transferred out based on incorrect information. My understanding of the terms were spelt out in a covering letter I sent and the…
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L&G Buy Out Pension - Ditch/Switch/Drawdown?
I have been taking a pension for 2 years from other plans I have had in my career and decided to leave the above (currently valued at £75k) untouched for a while as I was not in need of it. Over the past month I have been doing my March/April budgeting moving my ISAs & savings etc and my thoughts turned to my S&S ISA and…
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About pensions
I was told about some kind of pension that you can put some sort of amount in and receive for e.g. £50 a month. Not really clear about it anyone have any idea if there is that kind of pension? if so what kind of company offer it?
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transfering pension to a workplace pension
Just need a bit of advice for hubby hes just joined the workplace pension hes got 20yrs before retirememt He has two other pensions which he paid into in previous employment but has not for a few years. These are A compensation pension A defined pension Would you advise to leave these as they are or see about transfering…
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Pension - Annual pension v Lump Sum
Final salary pension scheme allows £1 sacrifice in annual pension for £12 increase in lump sum. Opinions please on max pension v max lump sum.
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When to resign?
I have been offered a job (yay!) I was just wondering when its usual/advisable to resign from one's current job. I have the offer in writing but have not signed the contract yet. Should I wait for the contract and paperwork or tell my current employer to take his job and do the unmetionable immediately?
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Transferring old pensions to Workplace Scheme
Hi folks I'm going to be taking up the Workplace Pension scheme as of next Month (May). At the present moment I have a frozen pension scheme with a previous employer and also a private scheme. My plan is to make the contributions to the Workplace scheme since it'll be matched by my employer. I was also thinking of closing…
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SIPP or Stay?
Hi, I'm 52 and a recent change in personal circumstances has allowed me to re-evaluate my financial situation. I've got my ISA situation sorted and I've now moved on to my pension (or more accurately, lack of) and would be interested in peoples thoughts. I have 4 deferred pensions as follows: 1 - <5K pension pot, no GMP or…
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HL instant enhanced annuity quotes
.....commission of 1.5-3.5 per cent on sales, which are automated and unadvised?
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Join LGPS for 56 year old.....worth it?
Hi guys looking for some advice please. Not sure whether to opt into this or not ??? What would you do ? Times are hard for me and I could really do with the £38 pension contribution in my pocket now but am I being very short sighted? I am told that if I made that contribution to the scheme for the next 9 years until…
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should I increase pension contributions?
I am female reaching state retirement age in September 2014 at 62yrs 3 months. I work full time on a low salary and am considering deferring sp until I retire at 65 hopefully, as I will be under the tax threshold at that time, my query is when I stop paying N.I next year would it be better to increase my works pension by…
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Northern Ireland Civil Service Pension
I am considering opting out of my oension scheme for a few years for financial reasons. I have been paying into it for approximately 4 years. All th einformation provided by the NI Civil Service is rubbish and the various HR depts dont have a clue either. All I want is an answer to a simple question. What happens the money…
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Transfer final salary pension to private pension
I've just read an interesting article in todays Sunday Times about the value, or not, of transferring a final salary pension to a private pension provider on retirement. It lists some of the advantages and disadvantages and I wondered if anyone knew where I could get some indicative values if I decided to transfer my final…
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pension
Gordon brown robbed my pension in the nineties can anything be done to claim more pension money?
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State Pension on Death of Husband
Now fully retired I am making a package up of the pensions wife will receive if I pre-decease her. I have up to date figures from work related pensions. I have googled State pensions on death but still a little confused. Wife now 64 with annual state pension of £4862, mine aged 66 of £6820. Am I correct in assuming on my…
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Advice regarding deferred Civil Service pension
I have a 23 year deferred final salary CS pension. What would I lose if I took it at 59 instead of 60? (assuming I am allowed to do this) I am still in employment with a new final salary pension that will be another 23+ years by the time I can take my state pension. I am female, single with no dependents and would like to…
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GMP Pension Fund
Hi All, I am turning 65 in august this year and have a pension from Philips which I started taking in 2004 (left the Philips scheme on 23/12/1988). I would like to understand how GMP affects my pension at 65. The pension fund has not given me a estimate and I am unclear as what it means. What pension will I receive from…
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Protected (at 50) deferred pension. Lump sum query
I have a protected final salary pension due to come into payment when I reach 50 next April. I worked in the electricity industry for 15 years to 2001 and the redundancy deal included a non reduced pension at 50. I've asked for a statement and the administrators have given two main options: 1. A 37k lump sum and annual…
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Another pension scandal on the way
The FSA is allowing employers to pay huge fees to unauthorised 'advisors' with money taken from employee pension funds. All for advice that doesn't have to benefit the employees, and for fees that can reduce their pensions by half.
