Work and Pensions - Fifth Report
Here you can browse the report together with the Proceedings of the Committee. The published report was ordered by the House of Commons to be printed 21 March 2007.
CONTENTS
REPORT
1 INTRODUCTION
Overall choice of model
Consultation arrangements
Review and pre-legislative scrutiny
2 THE
TARGET GROUP FOR PERSONAL ACCOUNTS
Coverage: people with multiple jobs
Coverage: the self-employed
3 ADVICE
AND MEANS-TESTING
Generic advice and the Thoresen Review
Advice in the workplace?
Means-testing and mis-selling
Trivial commutation and capital limits for
Pensions Credit
Age exemptions
Mis-selling
4 ACTION
BEFORE 2012
Governance leading up to 2012
The Delivery Authority and the Board
Governance over time
5 DELIVERING
PERSONAL ACCOUNTS
Governance of the Personal Accounts Board
Regulation
Charging
Different charging structures
Contribution cap and transfers
Collection
The third tier: branding by the back door?
Annuities
6 THE
POTENTIAL IMPACT OF PERSONAL ACCOUNTS ON EXISTING PENSION SCHEMES
For employers offering 'non-occupational'
workplace pension arrangements
7 THE
IMPACT ON BUSINESS
Administrative impacts on business
Waiting periods in personal accounts
Repeat enrolment
Compliance
CONCLUSIONS AND RECOMMENDATIONS
APPENDIX 1
Recommendations of the Committee's report on
Pension Reform relating to Personal Accounts and the Government's
responses
FORMAL MINUTES
WITNESSES
LIST OF WRITTEN EVIDENCE
REPORTS FROM THE WORK AND PENSIONS COMMITTEE
SESSION 2006-07
REPORTS FROM THE WORK AND PENSIONS COMMITTEE
SESSION 2005-06
ORAL AND WRITTEN EVIDENCE - HC 220-II
19 February 2007
21 February 2007
Written Evidence
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