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This document discusses care fees planning and how financial advisors can help their clients plan for long term care costs. It provides statistics on the long term care market, outlines various care fees planning options like immediate needs annuities and investments, and discusses how advisors can expand their services and refer clients to specialists in care fees planning. The document also aims to address common myths around long term care costs and planning.
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The document discusses care fees planning and long-term care funding options. It provides some key facts about the long-term care market, including that over 90,000 elderly people enter care homes each year in the UK. It introduces Stephen Wilkinson and his company Symponia Limited, which provides care fees planning and advocacy services. Finally, it outlines various care fees planning strategies and options that can help clients fund their long-term care needs.
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Purpose
The PPI’s UK Pensions Framework aims to support the development of the future of
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the system for the first time. The Framework also goes beyond a one-dimensional view of
changes by showing how policy reforms are affecting key parties, what secondary effects
may occur and where trade-offs might exist.
Measures - adequacy, sustainability and fairness
The framework analysis is structured around three interdependent objectives, each of
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financial security in later life. They are adequacy, sustainability and fairness.
Design Principles
This publication sets out the design principles of the framework and the process by which
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stakeholders. Next year, the PPI will publish the first edition of the UK Pensions
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Happy 20th anniversary PPI!
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At the end of February 2012, ILC-UK, with the support of Partnership, published a report which explored the impact of the Retail Distribution Review (RDR) on people with small pension pots.
Whilst the report supported the principles of the RDR, it expressed worries about the creation of an ‘advice gap’ where the poorest and least well-off pensioners might fail to receive critical financial advice.
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This summit was convened with a view of creating a policy consensus to tackle the challenges ahead. Following the Summit, ILC-UK will publish a report which sets out the recommendations which emerge from the event.
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Post RDR financial advice may be beyond the means of the average person. How can we fill the advice gap?
People with average sized pension pots are entitled to reasonable outcomes. How can we improve the pensions annuity process for the consumer and industry?
Good regulation protects the consumer but it must not inadvertently damage the potential of products and services to increase pensioner income? How can we ensure that the length and complexity of communications required by legislation does not damage communications?
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The Future of Private Pension Saving, kindly supported by Age UK, brought together Parliamentarians, business, academics and industry experts to discuss how best the UK Government can incentivise private pension saving.
The debate was opened by initial remarks from Angela Rayner MP (Shadow Pensions Minister), Jackie Wells (Head of Policy and Research, Pensions and Lifetime Savings Association), Sarah Luheshi (Deputy Director, Pensions Policy Institute), and Yvonne Braun (Director, Long-Term Savings Policy, Association of British Insurers).
On Wednesday 27th January, David John, Senior Strategic Policy Adviser at AARP’s Public Policy Institute, and Deputy Director of the Retirement Security Project at the Brookings institute delivered a presentation on tax incentives for pension saving in the US context at an informal reception hosted by Age UK.
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AgeWage aims to provide clear and simple scoring and guidance on retirement options through an algorithm assessing pension funds. It advocates for thought leadership in advising clients and proposes a delegated model for ongoing oversight of appointed independent financial advisors.
Retirement Line arranges annuities through an automated online and telephone service. It specializes in enhanced annuities that provide higher payouts based on health factors. Retirement Line has achieved significant growth and high customer satisfaction ratings. It aims to secure the best retirement outcomes for clients through expert, contented staff.
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As the population of the UK continues to age, the demand for social care increases, as do the associated costs. How to pay for long term care is therefore a hot topic in the insurance world and amongst policy makers.
This event will saw the launch of a new paper from the ILC-UK and Cass Business School which investigates different ways in which individuals can purchase and pay for insurance products specifically to help them to pay for their care costs in later life.
Chaired by Baroness Sally Greengross OBE, Chief Executive of the ILC-UK, the launch included a keynote presentation report co-author Professor Les Mayhew. Responses were given by Jules Constantinou, Regional Manager, Gen Re Life/Health; Brian Fisher, Aviva/Friends Life, and Steve Lowe, Just.
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This document discusses long term care insurance options for individuals. It defines long term care as services to help with personal care over an extended period for conditions like aging, illness or disability. Long term care can be received at home, in assisted living or nursing homes, which have average annual costs of $83,585 for a private nursing home room. Long term care insurance can help pay for care and preserve assets, providing benefits, tax advantages and financial protection as part of a plan.
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As Universal Credit receives a refresh, courtesy of new Secretary of State Amber Rudd, we asked what the recent changes mean for people affected, and how the Citizens Advice Service nationwide is responding.
We also looked at what some LCAs are doing to support people and were joined by Kayley Hignell, Head of Policy (Families, Welfare and Work), Citizens Advice, and Nicky Rees, Advice Operations Supervisor at Citizens Advice Peterborough.
In this webinar we covered:
- What the recent policy changes and new Secretary of State mean for Universal Credit
- How Citizens Advice approach to Universal Credit is changing
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For more information on Policy in Practice please visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242
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Over 20 million of us don’t have the necessary skills to effectively manage our money and 11.5 million of us have less than £100 in savings.
With predictions of widespread unemployment and an expected tsunami of people needing debt advice and support during the coming months and years, this session explored the innovative new tools and approaches that will help organisations to improve the financial capability of customers, increase the financial resilience of customers and engage customers earlier.
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For more information visit www.policyinpractice.co.uk, email hello@policyinpractice.co.uk or call 0330 088 9242.
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