All articles by Employee Benefits – Page 148
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Supplier article
Pension Wise — but just how pension wise will the advisers be?
By David PiltzTo assist members to understand their options, from April 2015 when the new pensions flexibilities are applied to defined-contribution arrangements, the government is implementing a free and impartial guidance guarantee service. The government has just announced that the ‘go to market’ name for the guidance guarantee is ‘Pension ...
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Error in current Pension Schemes Bill
By David PiltzMore haste, less speedDefined-contribution (DC) pension schemes calculate transfer values at the date of disinvestment. There is good reason for this. A member in a DC pension scheme has a pot, made up of any contributions paid into it by or on behalf of the member and the ...
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In Focus — February 2015
Click on the link below to download the articleLinksIn Focus — February 2015
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Anaesthetist fees: ignorance is not bliss
Within the private healthcare sector, the same principle applies when professional healthcare services are provided to patients. This is not normally a problem because a patient will meet with their consultant during the consultation and diagnostic phase, allowing plenty of time to discuss any proposed treatment and the relevant costs ...
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Pensions: trouble ahead?
Sadly, this does not seem a realistic expectation. The minister of state for pensions, Steve Webb MP, recently gave a speech that suggested that further change may happen very early in the next parliamentary term. This view was given in a strangely apolitical delivery, which could perhaps suggest that some ...
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Jelf Employee Benefits releases an employees’ guide to pension freedom
The eight-step guide, part of the consultancy’s comprehensive library, relays the new rules in the context of the questions you need to ask yourself and the actions to take if you are considering accessing your pension savings. Topics covered include understanding the type of pensions you have; making decisions about ...
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Almost nine in 10 employers admit failings with post-DRA compliance
Only 12 per cent of employers believe that their organisation has fully complied with the legislation. A third of respondents (34 per cent) feel they need to improve all aspects of compliance; with a further third (32 per cent) expressing concern about their employee communications on this topic.Other areas for ...
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Seven in 10 employers have taken no action on Freedom of Pension changes
It is only three months until the landmark Freedom of Pensions proposals come fully into force. Yet a survey of 250 employers by Jelf Employee Benefits has found that there is little action or awareness by employers and employees of the huge change in policy which will enable the over ...
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Can UK companies satisfy global appetites?
Global protein demand is steadily growing, particularly in Asian markets, driven by urbanisation, population growth and rising incomes.Chinese meat consumption in particular is forecast to reach 69kg per capita annually by 2030, an increase of almost 40 per cent but still well below the levels currently seen in the US ...
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Smoking and the workplace
In the past decade, the popularity of e-cigarettes has risen sharply, especially since the workplace smoking ban came into effect in 2007. However, their prevalence can leave employers with some tricky questions. Although the legal position seems clear — according to Siobhan Atkin at law firm Shoosmiths, ‘while using e-cigarettes ...
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Guide: how to... communicate with your pension members
Click on the link below to download the guideLinksClick here to download the guide
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Family pressures (and the impact on pension savings)
The report focuses on the changing shape and expectations of the UK family unit. Perhaps the principal change is that people are living longer, and therefore their retirement savings need to go further (quite a lot further in fact, as male life expectancy has increased by an entire decade since ...
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A downhill stroll?
The landscape for retirement is undergoing a seismic shift at present. The abolition of the default retirement age and the new freedom of pensions legislation are both indicative of a culture that may start to view the decision to retire in a rather different light. Until very recently, many employees ...
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Fit for Work: guidance for employers published
The full document can be viewed on the government website. The publishing of this document does not, however, indicate that the FfW service is yet fully on stream. The actual timetable for the roll-out of this service is still unclear, and indeed the FfW website also gives no specific details ...
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New year: new danger
The new flexibilities allowable under Freedom of Pensions legislation are very welcome to those saving for retirement. Yet such freedoms may also present criminals with new opportunities to ‘scam’ the unwary saver — potentially stealing some or all of an employee’s accumulated retirement wealth.This is, of course, devastating for the ...
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Global benefits predictions for 2015 from Jelf International
He said: ‘The tragic fight against Ebola in West Africa not only highlights the need for suitable international healthcare cover for those operating there at the moment but it is a very real wake-up call for any UK employer operating in a less developed area. Ensuring staff have adequate protection ...
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Healthcare predictions for 2015 from Jelf Employee Benefits
He said: ‘We predict three distinct areas that will consume much of our industry’s resources in the forthcoming year. Having said that, it is a General Election year so the NHS will be high profile, as will the government’s yet-to-fully-roll-out Fit for Work scheme. I’m sure there are going to ...
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Group risk predictions for 2015 from Jelf Employee Benefits
He said: ‘Employers dipping their toes in the benefits waters for the first time should look to group risk as a vital protection tool for employers and employees alike; it is too often overlooked or not deemed an attractive enough product. However, there are a number of developments in this ...
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Why auditing your employee benefit schemes is vital
As such, we’ve developed our latest guide, How to audit your employee benefit schemes, in order to answer your key questions and concerns in the area of protection, health and wellbeing.Aimed at HR professionals, we examine three main areas of a company’s benefit package:Group income protectionGroup life assurancePrivate medical insuranceWe’ll ...
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White paper — Dubai International Insights
Click on the link below to download this article.LinksWhite paper — Dubai International Insights