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Communication of the new state pension Contents

Contents

Terms of Reference

Summary

1 Introduction

2 Understanding the new state pension

Moving to a simpler system

Areas of confusion

The full flat rate

Contracting out

Women born between 6 April 1951 and 5 April 1953

Conclusion on areas of confusion

Groups who will receive less than they might have expected

Overall picture

i) People with fewer than 10 years of contributions

ii) Women with derived rights

iii) Guaranteed minimum pensions

Conclusion on groups who will receive less than they might have expected

3 Improving communication

Phases of the DWP campaign

General awareness and statements on demand

Explaining complexities

Online statements

Proactive and personalised communication

Direct communication

Regular automatic statements

Conclusions and recommendations

Formal Minutes

Witnesses

Published written evidence

List of Reports from the Committee during the current Parliament



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Prepared 24 March 2016