Government Pensions Dashboard

HedgehogRulez

Early UI for those that are interested.

Interestingly it's identified 2 legacy pension schemes that i have no details of…

flaneurs_lobster

Can anyone have a go?

Public link?

HedgehogRulez

Possibly only for the select elite atm. Try this

https://www.gov.uk/account

flaneurs_lobster

Would Pensions Dashboard appear on the list of

Services you can use with GOV.UK One Login

like 'Apply for a tree felling licence' et al?

HedgehogRulez

https://forums.moneysavingexpert.com/discussion/comment/82008278#Comment_82008278

I get the following, but i was invited to the beta:

flaneurs_lobster

Ah, makes sense. Good to see some actual 'proper' output from the project.

disgruntled1234

Slightly off topic, but I didn't have a One Login, only a Gateway login. I've set up a one login account with my e-mail, continued on the App on my phone to take a picture of my driving licence and face which was all accepted, so I can now log into the app, although it doesn't really appear to do anything, but when I try and login using the one login on a web browser, it says I haven't created an account yet. This is despite receiving e-mails with authentication codes to continue with the creation of the account. Maybe it just takes a while for the account to be activated.

IGNORE. It seems like depending on which route you take, it either works or it doesn't. Appears to be working now.

kermchem

It would appear that this Beta test is only available to invited users. Details at https://www.pensionsdashboardsprogramme.org.uk/publications/news/help-test-pensions-dashboards

hyubh

https://forums.moneysavingexpert.com/discussion/comment/82008303#Comment_82008303

'Any government department which refers to me as a "customer" instead of a service user, falls at the first hurdle in my book.'

Whether it will actually happen is another thing, but the policy objective remains for multiple dashboards with the MoneyHelper one only acting as a default, a bit like NEST was created as a public sector default for auto-enrolment. In that context, I'm not sure I want Standard Life or Cushon to start referring to me as a 'service user' rather than a 'customer'.

'Interesting now that to use government services I now need an additional identity this time calling itself "One Login" which is a contradiction in terms, if ever I need a tree-felling licence I'll know where to come.'

It's just a name, I'd be more concerned about how competently it's been done and will be maintained.

'The fact that it's taken them nearly 20 years to date to build a database which cross-matches foreign keys from other systems'

Thankfully, there is no central database beyond one for scheme registration details and time-limited tokens.

'Cross-matching foreign keys is Database 101 for most architects - i.e. anyone who cannot do it within a week of starting a relational database design course would be out on their ear.'

The weakness of national insurance numbers for identifying entitlements is a (if not the) reason why it's taken so long. That said, I think you've got the wrong mental image of how the actually-existing dashboard infrastructure works/will work.

A government agency does/will not have direct access to pension administration databases up and down the land. Instead, when a dashboard user enters their details using 'One Login', these are verified by it then sent on to all connected schemes to ask whether they have a definite or possible match (note, while there is guidance it is up to schemes to define what exactly counts as a 'definite' or 'possible match'). If the user proceeds, with a possible match the user gets back contact details, with a definite one a further request is sent to collect pension details. For that purpose, One Login is not involved, i.e. personal details aren't resent, instead an anonymised token is.

In practice most schemes aren't connecting to the infrastructure directly, instead specialist third party software providers are being used. This keeps things relatively managable from the MoneyHelper point of view (the UK pensions scene is highly fragmented with lots of ancient tech in active use).

AlwaysLearnin

£66.5k p/y on a £1.05m pot sounds a bit ambitious to me - what have I missed?

GrumpyDil

https://forums.moneysavingexpert.com/discussion/comment/82008500#Comment_82008500

Possibly that the pension is quoted from 2039 so the calculation will include 13 years of growth and might include an assumption about ongoing contributions.