A New Pension Settlement for the Twenty-first Century

A New Pension Settlement for the Twenty-first Century PDF

Author: Pensions Commission

Publisher: The Stationery Office

Published: 2005-11-30

Total Pages: 476

ISBN-13: 0117036021

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The Pensions Commission is an independent body established by the Government to review the adequacy of current arrangements for private pensions and retirement savings in the UK and to make recommendations on appropriate policy changes, including the option of moving to a compulsory system. Following on from its first report (ISBN 0117027804) published in October 2004, this second report sets out the Commission's conclusions on the likely evolution of the UK pension system if policy is unchanged, and makes recommendations for a new policy direction. Recommendations are based on two key elements: the automatic enrolment of employees into either a new National Pensions Savings System or into existing company pension schemes, with an option for employees to opt-out, and with a modest compulsory employer matching contribution; and reform of state pension provision in order to make it simpler to understand and less means-tested. The Commission concludes that these reforms will require some increase in public expenditure on pensions as a percentage of GDP over the next 45 years, and that increases in state pension ages will be needed to keep that increase within sustainable levels over the long term. The Commission presents a range of possible combinations of public expenditure and state pensions ages, and calls for a public debate to consider these options. It also recommends the establishment of a successor body to continue to review the situation and report to Parliament and government every four years.

A New Pension Settlement for the Twenty-first Century

A New Pension Settlement for the Twenty-first Century PDF

Author: Pensions Commission

Publisher: The Stationery Office

Published: 2005-11-30

Total Pages: 316

ISBN-13: 011703603X

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The Pensions Commission is an independent body established by the Government to review the adequacy of current arrangements for private pensions and retirement savings in the UK and to make recommendations on appropriate policy changes, including the option of moving to a compulsory system. The Commission's second report sets out its conclusions on the likely evolution of the UK pension system if policy is unchanged, and makes recommendations for a new policy direction. This publication contains the appendices to the second report, including an update on data developments related to pensions policy, as well as information on analysis, research and consultation responses.

A new pension settlement for the twenty-first century

A new pension settlement for the twenty-first century PDF

Author: Pensions Commission

Publisher: Stationery Office

Published: 2005-11-30

Total Pages: 0

ISBN-13: 9780117036024

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The Pensions Commission is an independent body established by the Government to review the adequacy of current arrangements for private pensions and retirement savings in the UK and to make recommendations on appropriate policy changes, including the option of moving to a compulsory system. Following on from its first report (ISBN 0117027804) published in October 2004, this second report sets out the Commission's conclusions on the likely evolution of the UK pension system if policy is unchanged, and makes recommendations for a new policy direction. Recommendations are based on two key elements: the automatic enrolment of employees into either a new National Pensions Savings System or into existing company pension schemes, with an option for employees to opt-out, and with a modest compulsory employer matching contribution; and reform of state pension provision in order to make it simpler to understand and less means-tested. The Commission concludes that these reforms will require some increase in public expenditure on pensions as a percentage of GDP over the next 45 years, and that increases in state pension ages will be needed to keep that increase within sustainable levels over the long term. The Commission presents a range of possible combinations of public expenditure and state pensions ages, and calls for a public debate to consider these options. It also recommends the establishment of a successor body to continue to review the situation and report to Parliament and government every four years.

A New Pension Settlement for the Twenty-First Century? The UK Pensions Commission's Analysis and Proposals

A New Pension Settlement for the Twenty-First Century? The UK Pensions Commission's Analysis and Proposals PDF

Author: John Hills

Publisher:

Published: 2010

Total Pages:

ISBN-13:

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This article summarizes the analysis and recommendations of the UK Pensions Commission, which reported in November 2005. The UK faces similar demographic challenges to other nations from increasing longevity and past fertility declines. However, in the face of them, both state and private pension provision are in decline for younger cohorts. The Commission proposes reforms to the state pension system which would make it more generous, less means-tested, and more universal than it would otherwise become. This would require both higher public spending on pensions as a share of GDP than now, and a gradual increase in state pension age after 2020. It also proposes establishment of a new National Pension Savings Scheme, into which workers would be automatically enrolled (with the right to opt out) if they were outside good employer provision, together with measures to facilitate later and more flexible retirement.

The Welfare State Generation

The Welfare State Generation PDF

Author: Eve Worth

Publisher: Bloomsbury Publishing

Published: 2021-12-16

Total Pages: 373

ISBN-13: 1350192082

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Women born in mid twentieth-century Britain were the 'welfare state generation' – not only were their lives fundamentally shaped by the welfare state, they helped to transform it. In this ground-breaking work, Eve Worth examines the impact of the welfare state on the life course of women whose opportunities and social experiences were formed by it in the post-1945 period. Centred around an oral history study, this book argues that the welfare state was so central to the lives of women born in Britain between the late 1930s and early 1950s that they should be considered the 'welfare state generation'. The post-war expansion of the welfare state was one of the most transformative political changes of the twentieth century, yet we know little about its development in practice, nor its long-term impact on those who grew up within it. Using a ground-breaking life history methodology to examine women from their birth in the long 1940s to retirement in the mid-2010s, it includes thirty-six original life history interviews alongside social surveys and the Census for wider context By deploying a cross-class approach, this book moves the discussion on from just looking at university-educated women, to include women often overlooked in gender and social studies. Re-conceptualising the causes of social mobility in post-war Britain, exploring a new understanding of work and an updated periodisation of welfare state development, The Welfare State Generation offers a new approach to the history of class and gender, arguing that we need to move beyond the focus on women's emotions and personal identity, to consider their experiences and relationships with the state as employer, educator and provider.

Model Rules of Professional Conduct

Model Rules of Professional Conduct PDF

Author: American Bar Association. House of Delegates

Publisher: American Bar Association

Published: 2007

Total Pages: 216

ISBN-13: 9781590318737

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The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.

Nomadland: Surviving America in the Twenty-First Century

Nomadland: Surviving America in the Twenty-First Century PDF

Author: Jessica Bruder

Publisher: W. W. Norton & Company

Published: 2017-09-19

Total Pages: 288

ISBN-13: 0393249328

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The inspiration for Chloé Zhao's 2020 Golden Lion award-winning film starring Frances McDormand. "People who thought the 2008 financial collapse was over a long time ago need to meet the people Jessica Bruder got to know in this scorching, beautifully written, vivid, disturbing (and occasionally wryly funny) book." —Rebecca Solnit From the beet fields of North Dakota to the campgrounds of California to Amazon’s CamperForce program in Texas, employers have discovered a new, low-cost labor pool, made up largely of transient older adults. These invisible casualties of the Great Recession have taken to the road by the tens of thousands in RVs and modified vans, forming a growing community of nomads. Nomadland tells a revelatory tale of the dark underbelly of the American economy—one which foreshadows the precarious future that may await many more of us. At the same time, it celebrates the exceptional resilience and creativity of these Americans who have given up ordinary rootedness to survive, but have not given up hope.

From Here to Equality, Second Edition

From Here to Equality, Second Edition PDF

Author: William A. Darity Jr.

Publisher: UNC Press Books

Published: 2022-07-27

Total Pages: 443

ISBN-13: 1469671212

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Racism and discrimination have choked economic opportunity for African Americans at nearly every turn. At several historic moments, the trajectory of racial inequality could have been altered dramatically. But neither Reconstruction nor the New Deal nor the civil rights struggle led to an economically just and fair nation. Today, systematic inequality persists in the form of housing discrimination, unequal education, police brutality, mass incarceration, employment discrimination, and massive wealth and opportunity gaps. Economic data indicates that for every dollar the average white household holds in wealth the average black household possesses a mere ten cents. This compelling and sharply argued book addresses economic injustices head-on and make the most comprehensive case to date for economic reparations for U.S. descendants of slavery. Using innovative methods that link monetary values to historical wrongs, William Darity Jr. and A. Kirsten Mullen assess the literal and figurative costs of justice denied in the 155 years since the end of the Civil War and offer a detailed roadmap for an effective reparations program, including a substantial payment to each documented U.S. black descendant of slavery. This new edition features a new foreword addressing the latest developments on the local, state, and federal level and considering current prospects for a comprehensive reparations program.