chunk_id stringlengths 3 7 | chunk stringlengths 0 841 | source_url stringclasses 652
values | title stringclasses 652
values | chunk_idx int64 0 558 | chunk_start_char int64 0 48.7k | chunk_end_char int64 3 48.7k |
|---|---|---|---|---|---|---|
642-28 | For most workplace and personal pensions, how much you get depends on: | 642 | Plan your retirement income | 28 | 2,862 | 2,932 |
642-29 | the amount you’ve paid in | 642 | Plan your retirement income | 29 | 2,933 | 2,958 |
642-30 | how well the pension fund’s investments have done | 642 | Plan your retirement income | 30 | 2,959 | 3,008 |
642-31 | your age - and sometimes your health - when you start taking your pension pot | 642 | Plan your retirement income | 31 | 3,009 | 3,086 |
642-32 | Workplace pensions | 642 | Plan your retirement income | 32 | 3,087 | 3,105 |
642-33 | Your employer must automatically enrol you in a workplace pension scheme if you’re over 22 and under State Pension age, and earn more than £10,000 a year. | 642 | Plan your retirement income | 33 | 3,106 | 3,260 |
642-34 | If you have a workplace pension your employer can make contributions on top of what you pay. | 642 | Plan your retirement income | 34 | 3,261 | 3,353 |
642-35 | You may also be able to make extra payments to boost your pension pot. | 642 | Plan your retirement income | 35 | 3,354 | 3,424 |
642-36 | Workplace pensions are protected against risks. | 642 | Plan your retirement income | 36 | 3,425 | 3,472 |
642-37 | Personal and stakeholder pensions | 642 | Plan your retirement income | 37 | 3,473 | 3,506 |
642-38 | You may want a personal or stakeholder pension: | 642 | Plan your retirement income | 38 | 3,507 | 3,554 |
642-39 | to save extra money for later in life | 642 | Plan your retirement income | 39 | 3,555 | 3,592 |
642-40 | to top up your workplace pension | 642 | Plan your retirement income | 40 | 3,593 | 3,625 |
642-41 | if you’re self-employed and do not have a workplace pension | 642 | Plan your retirement income | 41 | 3,626 | 3,685 |
642-42 | if you’re not working but can afford to pay into a pension scheme | 642 | Plan your retirement income | 42 | 3,686 | 3,751 |
642-43 | Some employers offer stakeholder or private pensions as workplace pensions. | 642 | Plan your retirement income | 43 | 3,752 | 3,827 |
642-44 | Stakeholder pensions must meet standards set by the government. | 642 | Plan your retirement income | 44 | 3,828 | 3,891 |
642-45 | Find a lost pension | 642 | Plan your retirement income | 45 | 3,892 | 3,911 |
642-46 | The Pension Tracing Service might be able to trace lost pensions that you’ve paid into. | 642 | Plan your retirement income | 46 | 3,912 | 3,999 |
642-47 | Nominate someone to get your pension when you die | 642 | Plan your retirement income | 47 | 4,000 | 4,049 |
642-48 | Ask your pension provider if you can nominate someone to get money from your pension pot after you die. | 642 | Plan your retirement income | 48 | 4,050 | 4,153 |
642-49 | Check your scheme’s rules about: | 642 | Plan your retirement income | 49 | 4,154 | 4,186 |
642-50 | who you can nominate - some payments can only go to a dependant, for example your husband, wife, civil partner or child under 23 | 642 | Plan your retirement income | 50 | 4,187 | 4,315 |
642-51 | what the person can get, for example regular payments or lump sums | 642 | Plan your retirement income | 51 | 4,316 | 4,382 |
642-52 | whether anything can change what the person gets, for example when and how you start taking your pension pot, or the age you die | 642 | Plan your retirement income | 52 | 4,383 | 4,511 |
642-53 | Sometimes the pension provider can pay the money to someone else, for example if the person you nominated cannot be found or has died. | 642 | Plan your retirement income | 53 | 4,512 | 4,646 |
642-54 | The person you nominate may have to pay tax if they get money from your pension pot after you die. | 642 | Plan your retirement income | 54 | 4,647 | 4,745 |
642-55 | Pensions from the government | 642 | Plan your retirement income | 55 | 4,746 | 4,774 |
642-56 | The pension you get from the government (‘State Pension’) is based on your National Insurance record when you reach State Pension age. | 642 | Plan your retirement income | 56 | 4,775 | 4,909 |
642-57 | You reached State Pension age before 6 April 2016 | 642 | Plan your retirement income | 57 | 4,910 | 4,959 |
642-58 | You need 30 years’ worth of National Insurance contributions to get the full basic State Pension. You may also qualify for some Additional State Pension. | 642 | Plan your retirement income | 58 | 4,960 | 5,113 |
642-59 | You reach State Pension age on or after 6 April 2016 | 642 | Plan your retirement income | 59 | 5,114 | 5,166 |
642-60 | The amount of new State Pension you’ll get depends on your National Insurance record. National Insurance contributions or credits made before and after 6 April 2016 can count towards your new State Pension. | 642 | Plan your retirement income | 60 | 5,167 | 5,373 |
642-61 | You’ll usually need at least 10 qualifying years of National Insurance contributions or credits to qualify for any State Pension. | 642 | Plan your retirement income | 61 | 5,374 | 5,503 |
642-62 | Find out how much State Pension you could get and when you can get it. You can also find out how you might be able to increase the amount you get. | 642 | Plan your retirement income | 62 | 5,504 | 5,650 |
642-63 | Getting more State Pension | 642 | Plan your retirement income | 63 | 5,651 | 5,677 |
642-64 | Deferring your pension | 642 | Plan your retirement income | 64 | 5,678 | 5,700 |
642-65 | When you reach State Pension age you have the option to defer your State Pension (delay payments). By doing this you’ll get more money for every year you defer. | 642 | Plan your retirement income | 65 | 5,701 | 5,861 |
642-66 | Pension Credit | 642 | Plan your retirement income | 66 | 5,862 | 5,876 |
642-67 | Pension Credit is for older people on a low income to make sure they get a minimum weekly amount. You’ll have to apply and all your sources of income (for example savings) will be checked to make sure you qualify.
Getting Pension Credit may mean you’re eligible for other benefits too. | 642 | Plan your retirement income | 67 | 5,877 | 6,162 |
642-68 | You’re over 80 | 642 | Plan your retirement income | 68 | 6,163 | 6,177 |
642-69 | People over 80 with little or no State Pension can apply for a payment of £82.45 per week from the government through the over 80 Pension. You cannot get the over 80 pension if you reach State Pension age on or after 6 April 2016. | 642 | Plan your retirement income | 69 | 6,178 | 6,408 |
642-70 | Working past State Pension age | 642 | Plan your retirement income | 70 | 6,409 | 6,439 |
642-71 | You might decide that you do not want to stop working when you reach State Pension age. | 642 | Plan your retirement income | 71 | 6,440 | 6,527 |
642-72 | If you do, you’ll no longer have to pay National Insurance. | 642 | Plan your retirement income | 72 | 6,528 | 6,587 |
642-73 | The law protects you against discrimination if you’re over State Pension age and want to stay in your job or get a new one. | 642 | Plan your retirement income | 73 | 6,588 | 6,711 |
642-74 | Staying in your job | 642 | Plan your retirement income | 74 | 6,712 | 6,731 |
642-75 | There is no official retirement age and you usually have the right to work as long as you want to. | 642 | Plan your retirement income | 75 | 6,732 | 6,830 |
642-76 | There are some circumstances when employers may have the right to set a compulsory retirement age that they choose. | 642 | Plan your retirement income | 76 | 6,831 | 6,946 |
642-77 | Your employer cannot make you redundant because of your age. | 642 | Plan your retirement income | 77 | 6,947 | 7,007 |
642-78 | Getting a new job | 642 | Plan your retirement income | 78 | 7,008 | 7,025 |
642-79 | You do not have to give your date of birth when applying for a new job. Employers cannot make you give this information if you do not want to. | 642 | Plan your retirement income | 79 | 7,026 | 7,168 |
642-80 | Employers also can not set an age limit for a job, unless they can justify it (for example because of certain physical abilities) or it’s a limit set by law, for example for the fire service. | 642 | Plan your retirement income | 80 | 7,169 | 7,360 |
642-81 | You can request flexible working at any age. | 642 | Plan your retirement income | 81 | 7,361 | 7,405 |
642-82 | Get help | 642 | Plan your retirement income | 82 | 7,406 | 7,414 |
642-83 | When planning your pension and retirement income you might need help with: | 642 | Plan your retirement income | 83 | 7,415 | 7,489 |
642-84 | choosing a personal or stakeholder pension | 642 | Plan your retirement income | 84 | 7,490 | 7,532 |
642-85 | planning your savings | 642 | Plan your retirement income | 85 | 7,533 | 7,554 |
642-86 | choosing how you want to get your retirement income | 642 | Plan your retirement income | 86 | 7,555 | 7,606 |
642-87 | delaying your State Pension payments (deferring) | 642 | Plan your retirement income | 87 | 7,607 | 7,655 |
642-88 | Where to get help | 642 | Plan your retirement income | 88 | 7,656 | 7,673 |
642-89 | You can get free guidance on your retirement savings options from: | 642 | Plan your retirement income | 89 | 7,674 | 7,740 |
642-90 | Money Advice Service | 642 | Plan your retirement income | 90 | 7,741 | 7,761 |
642-91 | Pension Advisory Service | 642 | Plan your retirement income | 91 | 7,762 | 7,786 |
642-92 | Pension Wise has information to help you decide what to do with your money if it’s in a ‘defined contribution’ pension. If you’re over 50, you can book an appointment to speak to someone. | 642 | Plan your retirement income | 92 | 7,787 | 7,974 |
642-93 | Paying for financial advice | 642 | Plan your retirement income | 93 | 7,975 | 8,002 |
642-94 | You can find an independent financial adviser: | 642 | Plan your retirement income | 94 | 8,003 | 8,049 |
642-95 | on the Unbiased website | 642 | Plan your retirement income | 95 | 8,050 | 8,073 |
642-96 | from the Personal Finance Society | 642 | Plan your retirement income | 96 | 8,074 | 8,107 |
642-97 | If you’re paying into a pension scheme, you can ask your pension provider about taking out up to £500 to pay for financial advice on retirement. You can do this once a year up to 3 times without a tax charge. Not all pension schemes provide this. | 642 | Plan your retirement income | 97 | 8,108 | 8,354 |
643-0 | Overview | 643 | Transferring your pension | 0 | 0 | 8 |
643-1 | You may want to move some or all of your pension fund (sometimes called a ‘pension pot’) if: | 643 | Transferring your pension | 1 | 9 | 101 |
643-2 | you’re changing job | 643 | Transferring your pension | 2 | 102 | 121 |
643-3 | your pension scheme is being closed or wound up | 643 | Transferring your pension | 3 | 122 | 169 |
643-4 | you want to transfer to a better pension scheme | 643 | Transferring your pension | 4 | 170 | 217 |
643-5 | you have pensions from more than one employer and want to bring them together | 643 | Transferring your pension | 5 | 218 | 295 |
643-6 | you’re moving overseas and want to move your pension to a scheme in that country | 643 | Transferring your pension | 6 | 296 | 376 |
643-7 | Get help and advice | 643 | Transferring your pension | 7 | 377 | 396 |
643-8 | You can get free, impartial information about transferring your pension from: | 643 | Transferring your pension | 8 | 397 | 474 |
643-9 | the Money Advice Service | 643 | Transferring your pension | 9 | 475 | 499 |
643-10 | the Pensions Advisory Service | 643 | Transferring your pension | 10 | 500 | 529 |
643-11 | You can also get impartial advice about workplace pensions from an independent financial adviser. You’ll usually have to pay for the advice. | 643 | Transferring your pension | 11 | 530 | 670 |
643-12 | If you’re concerned about a pension scam | 643 | Transferring your pension | 12 | 671 | 711 |
643-13 | Contact Action Fraud if you’re transferring a pension and are concerned about a scam. | 643 | Transferring your pension | 13 | 712 | 797 |
643-14 | You can also report a pension scam online to Action Fraud. | 643 | Transferring your pension | 14 | 798 | 856 |
643-15 | Transferring to a UK pension scheme | 643 | Transferring your pension | 15 | 857 | 892 |
643-16 | You can transfer your UK pension pot to another registered UK pension scheme. | 643 | Transferring your pension | 16 | 893 | 970 |
643-17 | You can also use it to buy a ‘deferred annuity contract’ - an agreement that gives you a guaranteed income in the future. | 643 | Transferring your pension | 17 | 971 | 1,092 |
643-18 | Transferring your pension pot anywhere else - or taking it as an unauthorised lump sum - will be an ‘unauthorised payment’ and you’ll have to pay tax on the transfer. | 643 | Transferring your pension | 18 | 1,093 | 1,259 |
643-19 | Before you make a transfer | 643 | Transferring your pension | 19 | 1,260 | 1,286 |
643-20 | Contact your current pension provider and the provider you want to transfer to. You’ll need to check if: | 643 | Transferring your pension | 20 | 1,287 | 1,391 |
643-21 | your existing pension scheme allows you to transfer some or all of your pension pot | 643 | Transferring your pension | 21 | 1,392 | 1,475 |
643-22 | the scheme that you wish to transfer into will accept the transfer | 643 | Transferring your pension | 22 | 1,476 | 1,542 |
643-23 | Get help and advice including if you’re concerned about a pension scam. | 643 | Transferring your pension | 23 | 1,543 | 1,614 |
643-24 | If you transfer your pension, you may: | 643 | Transferring your pension | 24 | 1,615 | 1,653 |
643-25 | have to make payments to the new scheme | 643 | Transferring your pension | 25 | 1,654 | 1,693 |
643-26 | have to pay a fee to make the transfer | 643 | Transferring your pension | 26 | 1,694 | 1,732 |
643-27 | lose any right you had to take your pension at a certain age | 643 | Transferring your pension | 27 | 1,733 | 1,793 |
643-28 | lose any fixed or enhanced protection you have when you transfer | 643 | Transferring your pension | 28 | 1,794 | 1,858 |
643-29 | lose any right you had to take a tax free lump sum of more than 25% of your pension pot | 643 | Transferring your pension | 29 | 1,859 | 1,946 |
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