Pension Commission: 10 Years On
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The 4th April 2016 marks ten years to the day after the final report of the Pension Commission. The Pensions Commission painted a future where individuals would need to do a combination of working longer, saving more, or paying more tax. The Commission argued that a failure to act would lead to poorer pensioners. This ILC-UK analysis highlights positive progress in extending working lives, preventing pensioner poverty and getting more people into saving. But the think tank warns of complacency and paints a bleak picture for future pensioners. This analysis, published on its website finds that since the Pensions Commission: * The average age of exit from the labour force is increasing but it is still below what it was in the 1960s and 1970s. * In fact, the average time spent in retirement continues to increase. * Auto-enrolment has delivered a growing number of employees with workplace pensions. * But median contribution rates are low and a growing proportion of us have no savings. Final Salary pension coverage continues to fall. * Younger people are less well placed than previous generations to save and may attract lower long term returns on their savings. * Effective tax rates have been falling but have increased more recently. * Spending on pensioner benefits slightly above the long run average as a percentage of GDP
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The report found a significant increase in older people living alone, yet millions were failing to adapt their homes to help them live independently.
The State of the Nation’s Housing’ reports that:Only around half of those over 50s experiencing limitations in Activities of Daily Living, live in homes with any adaptations.
Those in retirement housing are significantly more likely to be living in homes with adaptations than those who do not. Approximately 87% of those in retirement housing have home adaptations, by comparison to around 60% of other housing.
There could be a retirement housing gap of 160,000 by 2030 if current trends continue. By 2050, the gap could grow to 376,000.
Over 16 million people – mainly owner occupied, middle aged and older households - live in under-occupied housing.
Growing numbers of 45-64 year olds, and 65-74 year olds are living alone, with 6 million people living in houses with two or more excess bedrooms.
At the event we explored these trends and consider how policymakers should respond.
We heard presentations from:
- Sally Randall, Director, Housing Standards and Support, Department for Communities and Local Government
- Nigel Wilson, Group Chief Executive, Legal & General;
- Dr Brian Beach, Research Fellow, ILC-UK
RenEWL 16Jul14 - Brian Beach presentation
Brian Beach, Research Fellow at ILC-UK, gave a presentation on ‘The opportunities and challenges of an older workforce’ at the launch event for the Research on Extending Working Lives (renEWL) programme at University College London on 16 July.
16 mar15 final ppt presentation - incomplete
The document summarizes research presented by Ben Franklin of the International Longevity Centre-UK on the long-term financial implications of choices made at retirement. The research modeled the impact of four retirement scenarios - annuitizing, cashing out savings, holding savings in low-interest accounts, or keeping funds invested - on retirees' replacement incomes over time. It found those highly dependent on defined contribution savings face the most risk if they cash out, and recommends new defaults include annuities for this group to guarantee lifetime income and improve guidance on retirement options.
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What's hot
Maximising the potential of the UK's ageing population. Lessons from Asia and...
On Wednesday, 20th April 2016, the International Longevity Centre - UK and the Global Aging Institute hosted a roundtable discussion in the House of Lords on how the UK can maximise the potential of its ageing population, supported by Prudential Plc.
The discussion focused on a range of topics emerging from the Global Aging Institute's research in East Asia, including how different Asian countries address productivity challenges, changing dependency ratios, gender disparities and the changing nature of intergenerational dependence.
These topics were also considered in relation to ageing societies across Europe, at a roundtable discussion with European Commissioners held in Brussels on Thursday, 21st April 2016.
29Oct14 - Productive Ageing - Dr Ros Altmann
This Robert Butler Memorial Lecture, held on Wednesday 29th October 2014, was part of the ILC Global Alliance visit to the UK.
Robert Butler, founder of ILC US, was a passionate believer in the importance of health and productive ageing and we were honoured that Dr Ros Altmann, government’s Business Champion for Older Workers agreed to give the Lecture.
27Mar14 - Community Matters Semiar Series - At Home - ppt presentation
The slides from the second in a series of three seminars from ILC-UK and Age UK on Community Matters - are our communities ready for ageing?
Full details here: http://www.ilcuk.org.uk/index.php/events/community_matters_are_our_communities_ready_for_ageing._at_home
Ben Franklin - Older Workers in the Eurozone
The document discusses how raising the labor force participation of older workers in Eurozone countries could help boost their economic recovery. It analyzes three scenarios: keeping participation rates at current levels, gradually increasing rates for those over 65, and gradually increasing rates for those over 50. The results show that even a gradual increase could significantly impact long-term GDP growth rates. However, raising participation alone will not be enough and must be accompanied by policies to improve workforce productivity across the region. The document also examines factors that influence longer working lives and argues that both incentives and health support are needed to harness the potential of older workers.
ILC-UK/Actuarial Profession Robert Butler Memorial Lecture, in partnership wi...
A memorial lecture and debate on Centenarians and the Oldest Old
The ILC-UK was saddened last summer, by the loss of Dr. Robert N. Butler, founder of the first International Longevity Centre in the United States and Pulitzer prize-winning gerontologist. His invaluable contribution has changed the approach and research on ageing and longevity.
In tribute to Dr Butler, ILC-UK organised a memorial lecture and debate, in partnership with Age UK and the Joseph Rowntree Foundation, on Centenarians and the Oldest Old.
In 1911 there were just 100 Centenarians living in England and Wales, a figure which grew to 9,000 people in 2006 and represented a 90-fold increase over the previous 100 years (Dini and Goldring. 2008). There was a fourteen-fold increase in male centenarians and a 23-fold increase in female centenarians over the last 50 years of the twentieth century (Dini and Goldring. 2008).
The number of people aged over 100 is expected to nearly double between 2030 and 2035, when it is projected there will be 97,300 centenarians in the UK. It is then expected to more than double again during the next decade, to stand at 202,100 by 2045. (DWP/ONS December 2010).
The ONS estimates that by 2066 there will be at least 507,000 people in the UK aged 100 or over, including 7,700 super centenarians who are aged 110 or over. By 2080, there may be 626,900 people aged over 100. 21,000 of these will be over 110. (DWP/ONS December 2010).
Even the conservative estimates for the growth in the number of the oldest old will have a significant impact on services. Yet whilst policy makers seem aware of the growth in the number of people living to 100, there has been little or no explicit exploration about the impact of the growth in numbers of oldest old on public policy.
Professor Tom Kirkwood, Associate Dean for Ageing at Newcastle University gave the Lecture. The ILC-UK presented early findings of work for Age UK on the oldest old.
Agenda from the event:
16:30 – 16.35
Welcome and introduction from chair Baroness Sally Greengross, Chief Executive, International Longevity Centre – UK
16.35 – 17.20
The Robert Butler Memorial Lecture by Professor Tom Kirkwood, Associate Dean for Ageing at Newcastle University. For a copy of Professor Kirkwood's slides please email events@ilcuk.org.uk
17.20 – 17.30
Centenarians and the Oldest Old, ILC-UK
David Sinclair
17.30 - 17.35
A personal contribution on the life of a Centenarian
Noreen Siba
17.35 – 17.45
First telegram at 110? The implications of longevity
Dr Matthew Norton
17.45 – 17.55
'What older people want and value in life?' Joseph Rowntree Foundation
Ilona Haslewood
17.55 – 18.25
Panel and Audience Debate
18.25 - 18.30
Close
02May14 - The demographic implications of Scottish independence
During 2014, ILC-UK, supported by the specialist insurance company, Partnership Assurance Group plc, is undertaking a series of events to explore the relationship between our changing demography and public policy.
The third event in the series explored the demographic implications of Scottish independence.
In 2014, Scotland will vote in an independence referendum which could significantly change its relationship with the rest of the United Kingdom. An independent Scotland would have a fully independent NHS, control a significant proportion of the North Sea oil reserves and will take on a percentage of the UK national debt.
An independent Scotland would also result in the UK having a new demographic makeup. There are currently a number of marked differences between the two countries which will be highlighted by the division. These include a 2.8 year gap in healthy life expectancy for men, as well as differences in overall life expectancy and mortality rates. Recent figures released by the ONS suggest that the future health of an independent Scotland may actually align with that of the UK. The number of children aged two to 15 either overweight or obese in Scotland is now equal to that of England (30%), and lower than Wales (36%), and Scottish men are significantly more active than their counterparts in both countries.
The seminar explored these differences, as well as how the demography of an independent Scotland may change over time, and what future Scottish Governments (with or without independence) may need to do to adapt to these demographic changes.
Scottish independence would have a number of age-related policy implications for both Scotland and the rest of the United Kingdom. The issue of Scotland’s ageing population has already entered political debate, with the SNP announcing that, if elected, they would make new pensioners £4.40 a month better off than in England, while also pledging to set up a commission looking at the state pension age. The Scottish government has also announced that benefits, tax credits and state pensions would continue to be paid from the first day of independence, but have not addressed how they will meet the challenge of moving schemes from one administration to another.
Maximising the potential of the UK's ageing population. Lessons from Asia and...
On Thursday, 21st April 2016 the International Longevity Centre and the Global Aging Institute hosted a roundtable discussion with European Commissioners on maximising the potential of Europe's ageing population in reference to Asian best practice, supported by Prudential Plc.
The discussion focused on how different Asian countries address the demographic challenge posed by an ageing society, and how they respond to the social mood relating to work and retirement; participants also considered how healthcare can meet the challenges posed by rapidly ageing societies across Europe.
What is retirement really like? - 01Dec15
Presentation slides from the ILC-UK 'What is retirmeent really like?' launch event on the 1st December 2015.
Building on ILC-UK’s extensive work on older consumers and on retirement income, this major research report assesses the differences between theory or popular belief about retirement and the reality of it.
The report considers how spending varies during old age and challenges pre-existing stereotypes about retired life which can be misleading and may contribute to poor planning or unrealistic expectations. This report, which incorporates new quantitative analysis and the feedback from 3 expert focus groups, will explore the role for policymakers and industry in helping us retire well.
'How can we support older workers?' an ILC-UK European policy debate, support...
Tuesday 3rd September, M&G, Governor’s House, Laurence Pountney Hill, London, EC4R 0HH, 16:00 for a 16:30 start – 18:30
Featuring Steve Webb MP (Minister for Pensions); Christopher Brooks (Age UK) and David Sinclair (ILC-UK), presenting findings from a new policy review of European innovations in supporting longer working lives. Chaired by Baroness Greengross, CEO, ILC-UK and cross-bench peer
Europe needs older workers. Its long-term ageing population and recent economic hardships are creating huge fiscal and demographic pressures - pressures which could be greatly relieved if it can encourage its workers to remain in work for longer.
How is this to be achieved?
The European Union recently launched its Europe 2020 strategy which set employment targets of 75% for workers aged 20-64. However, with the old-age dependency ratio for the EU28 predicted to climb over 50% by 2050, much more still needs to be done.
In this event we will hear UK and EU perspectives on how older workers can be supported, with contributions from Steve Webb MP, the UK Minister for Pensions; and Christopher Brooks (Age UK)
To inform this debate, ILC-UK launched a report at the event, supported by Prudential, which shares key policy approaches being taken across to support older workers.
Policy Debate: Longevity, health and public policy. How should policy-makers ...
Launch of ILC-UK Factpack, Ageing, longevity and demographic change, Supported by Legal & General
his important briefing event, for journalists and senior policy-makers and opinion formers, set out the latest evidence on longevity and explore the extent to which government and business (financial services industry) is responding to the challenges. We will consider the extent to which longevity is influencing government and business decisions and how media and policy-makers can help to ensure that important longevity issues are taken into account.
For example, the Government has set out plans to increase the state pension age to 66 years from 2018, and 67 years from 2026. They have also announced plans to automatically link state pension age with increased longevity.
Whilst the driver of change has partly been the need for Government to cut spending and make fiscal savings, there is also a recognition that people will be spending an increasing proportion of their lives in retirement. Although we may be living longer on average, many are likely to be doing so in poor health. In parts of the country life expectancy is much lower than the UK average.
In addition, on 26th June the Government will announce its latest spending review. The impact of future spending demands of an ageing society will undoubtedly influence this review so the event will consider the extent to which Government’s current spending priorities have adequately taken into account long term demographic change and how the private sector can contribute.
The event took place just after the launch of the latest Office of Budget Responsibility fiscal sustainability report which set out the long term impact of ageing on fiscal sustainability. In its 2012 report, the OBR said; “The public finances are likely to come under pressure over the longer term, primarily as a result of an ageing population.”
ILC-UK launched a new factpack, Ageing, longevity and demographic change, which has been produced with the support of Legal & General. The factpack will help those with an interest in population ageing and longevity to quickly access key, relevant statistics.
Speakers: Baroness Sally Greengross, ILC-UK; Kerrigan Procter, Legal & General; Joseph Lu, Legal & General; Professor Les Mayhew, Cass Business School; Professor Michael Murphy, London School of Economics; Tim Gosden, Legal & General; David Sinclair, ILC-UK.
ILC-UK Future of Ageing Presentation Slides - 09Nov16
On Wednesday 9th November 2016, ILC-UK held it's second annual future of Ageing conference.
We welcomed over 180 delegates made up of business leaders; charity sector experts; public sector decision makers; local authority staff; academics; and senior journalists.
The one day conference was chaired by Baroness Slly Greengross OBE and Lawrence Churchill CBE, and we heard from the following speakers:
- Dr Islene Araujo de Carvalho, Senior Policy and Strategy Adviser, Department of Ageing and Life Course, WHO
- John Cridland CBE, Head of the Independent State Pension Age Review
- The Rt Rev. and the Rt Hon. the Lord Carey of Clifton, Archbishop of Canterbury 1991-2002
- Ben Franklin, Head of Economics of an Ageing Society, ILC-UK
- Professor Sarah Harper, Director, Oxford Institute of Population Ageing
- Dwayne Johnson, Director of Social Care and Health at Sefton Metropolitan Borough Council
- Dr Margaret McCartney, Author and Broadcaster
- John Pullinger CB, National Statistician, UK Statistics Authority
- David Sinclair, Director, ILC-UK
- Jonathan Stevens, Senior Vice President, Thought Leadership, AARP
- Linda Woodall, Director of Life Insurance and Financial Advice, and sponsor of the Ageing Population project, Financial Conduct Authority
Debt and problem debt among older people 4june13 - presentation
Debt is commonly assumed to be a problem of the young and not of the old. New research carried out by ILC-UK and supported by Age UK examines the validity of this assumption and sets out the extent to which debt impacts on the lives of older people.
Over recent years, older people, in common with other age groups, have faced significant financial challenges. For older people, lower than expected returns on savings and decreases in annuity rates have reduced the income many retirees were expecting in later life. Increases in energy and food costs are also hitting older people on fixed incomes hard, while older workers are faced with unprecedented job and income insecurity. Could these new challenges have influenced the attitudes and behaviours of older people towards credit usage? And just how accurate are cosy depictions of older people as ‘squirreling savers shunning credit’ compared to the reality?
This new research explores the way in which attitudes towards borrowing vary by age before presenting new findings on levels of problem debt among older people. The characteristics associated with entering problem debt are explored in this research, as well as the outcomes of living with problem debt on the lives of older people.
Dr Dylan Kneale, Head of Research at ILC-UK, presented the findings of the research. Dr Stella Creasy MP, known for her parliamentary work around the field of debt, was a keynote speaker, while Sally West, Income and Poverty Strategy Adviser at Age UK, provided insight into the organisation’s work in providing debt counselling and advice for older people. Tom Wright, Chief Executive of Age UK, and Baroness Sally Greengross, Chief executive of ILC-UK, co-chaired the event and all took part in a panel debate after presentations.
10Feb14 - Linking SPA to Longevity - ILC-UK
Speaking during the Autumn Statement in December 2013, the Chancellor of the Exchequer, George Osborne MP, confirmed plans which would mean that people should spend a third of their adult lives in retirement.
The 2013 Draft Pensions Bill, currently going through the House of Lords, proposes five-year reviews of the State Pension Age (SPA) with the aim of maintaining the proportion of adult life spent in receipt of a state pension based on increasing life expectancy.
In the UK, reductions in mortality have been accompanied by increased life expectancies over the last century. Between 1911 to 2010, life expectancy in the UK has increased from 49.4 to 78.5 for men and from 53.1 to 82.4 for women. The Chancellor confirmed that the date when the state pension age rises to 68 will be brought forward to the mid-2030s - it had not been due to kick in until 2046 - and the state pension age could rise to 69 by the late 2040s.
A growing number of countries are beginning to link pension age with increases in life expectancy to address the financial impact of an ageing population. Across the OECD, countries are raising retirement ages as life expectancy increases. By 2050, the average state pension age will rise from 63 for men and 62 for women to almost 65 for both sexes. A number of countries in the European Union have linked pension benefits with life expectancy including Spain, Italy, Czech Republic, Denmark, Greece and the Netherlands.
It has been estimated that, from 2007 to 2032, the public expenditure on pensions and related benefits will rise from 4.7% of Gross Domestic Product (GDP) to 6.2%.
But whilst increasing the State Pension Age appears to be a logical step to addressing the financial challenges of an ageing population, the complex interplay of factors impacting on retirement and workforce participation cannot be ignored.
Our event considered some of these challenges such as:
How can increasing the State Pension Age be fair when significant numbers of poorer citizens will reach this age in ill-health (or not at all)?
Which groups lose out most by an increase in state pension age?
How can we respond to the fairness challenge?
The appropriateness of different measures of life expectancy (cohort life expectancy; period life expectancy; healthy life expectancy; disability free life expectancy).
Will increasing the State Pension Age reduce the dependency ratio and extend working lives?
What will be the fiscal impact if an increasing number older people find themselves unable to work and needing to access working age benefits?
At the event, we heared from the Minister for Pensions, Steve Webb MP; ILC-UK Research Fellow, Ben Franklin; Dr Craig Berry, ILC-UK Fellow and Research Fellow at the University of Sheffield; Camilla Williamson, Age UK’s Development and Support Manager, Knowledge Transfer; Professor John MacInnes, a social demographer and Professor of Sociology at the University of Edinburgh.
14 Jul 14 - Fuller Working Lives: Announcing the new Business Champion for Ol...
This document summarizes a presentation by Dr. Ros Altmann on the need for businesses to embrace older workers. Some key points:
1) People are living longer, healthier lives but the traditional retirement age is outdated, leaving a skills gap as the population ages. Employers need to retain experienced older workers.
2) Combining more work with more savings offers a solution to funding longer retirements. Retirement should be seen as a process rather than an event.
3) Many workers want to work past retirement age to boost their income in retirement. Only 20% feel they are saving enough.
4) Dr. Altmann will work with businesses to promote retaining and hiring older workers,
18Nov14 - Silver Separators Presentation
This was the final event in the Population Patterns Seminar Series which explored the “silver separators”- divorce later in life.
Figures from the Office for National Statistics published in 2012 showed a huge rise in the divorce rate amongst those in their 60s, with an increase of 58% on the 2011 figure. The last 10 years have seen more and more older people part ways, despite divorce amongst the general population becoming less common. This has happened to such an extent that the over 60’s are now the fastest growing divorce group in the UK.
A variety of reasons have been suggested, including a reduction in the stigma surrounding divorce and couples no longer feeling obliged to stay together if their attitudes and needs change.
However, figures released by the ONS in June 2012 revealed that marriages involving older people were also rising faster than for other age groups – up by 21% for women and by 25% for men in their late sixties. Re-partnership is likely to be even higher than these figures suggest, as older people in a new relationship may not choose to remarry.
During the event the discussion explored a number of themes, including:
What factors have contributed to the rising rate of divorce amongst the over 60s?
How can older people’s relationships be better supported?
What challenges does ageing present to relationships?
How do care responsibilities effect relationships?
What are the potential ramifications of older couples separating?
05Mar14 - Missing 90 year olds
During 2014, ILC-UK, supported by specialist insurance company, Partnership Assurance Group plc (Partnership), is undertaking a series of events to explore the relationship between our changing demography and public policy.
The second event in the series will explore how much we really know about life expectancy at the highest ages. How many of us are living to 90 and beyond? Why have estimates of life expectancy required revision? What does this tell us about increasing longevity? And what does this trend mean for public policy and long-term population planning?
17Jul14 - ILC-UK Factpack Launch
Throughout 2014, ILC-UK, supported by specialist insurance company, Partnership Assurance Group plc, is undertaking a series of events to explore the relationship between our changing demography and public policy.
The fourth event in this 'Population Patterns Seminar Series' considered the findings of our ‘Factpack’ of UK demographic statistics.
We all know that people are living longer but how is that likely to change our society? How will pensions be affected? How will we care for our growing older society when the traditional “working age” population is shrinking?
These types of debates are increasingly being played out in the media and in political circles but in order for such debates to be productive, they have to be well informed.
ILC-UK believes its 2014 ‘Factpack’ will support this process by highlighting the most recent evidence of our rapidly ageing society. Not only does it provide statistics on a range of critical topics from life expectancy to housing supply; and pensions to long-term care, it also includes a special focus on the current and potential future state of pensioner poverty.
The event was chaired by Baroness Sally Greengross (ILC-UK) with a welcome from Steve Haberman (Dean of the Cass Business School). We were delighted that Gregg McClymont MP, Shadow Minister (Work and Pensions), spoke at at the launch event. We also heard presentations from Professor Les Mayhew (Professor of Statistics, Cass Business School), Steve Groves (Chief Executive of Partnership), Ben Franklin (Research Fellow at ILC-UK) and a response from Tom Younger of the Department for Work and Pensions.
During the discussion we explored:
How the UK’s demography has changed since the release of the 2013 Factpack and how it might change in the future,
How demographic change is reshaping our society,
The challenge of pensioner poverty,
Regional variations in the experiences of older people,
How policy makers should respond to these findings.
Agenda
16:00 - 16:30 Registration
16:30 - 16:35 Welcome by Chair, Baroness Sally Greengross (ILC-UK)
16:35 - 16:40 Welcome by the Dean of Cass Business School, Professor Stete Habberman
16:40 - 16:50 Presentation from Richard Willets (Partnership)
16:50 - 17:10 Presentation from Gregg McClymont MP (Shadow Minister for Work and Pensions)
17:10 - 17:20 Presentation from Ben Franklin (ILC-UK)
17:20 - 17:30 Presentation from Professor Les Mayhew (Cass Business School) Presentation
17:30 - 17:35 Response from Tom Younger (Department for Work and Pensions)
17:35 - 18:25 Discussion/Q&A
18:25 - 18:30 Close by Chair, Baroness Sally Greengross (ILC-UK)
18:30 - 19:15 Drinks reception
Moved to Care launch presentations
This presentation includes the ILC-UK's Ben Franklin and Cesira Urzì Brancati presenting a summary of the Moved to Care report; a response from Dr Shereen Hussein, Senior Research Fellow at King's College London; and a response from Madeleine Sumption, Director of the Migration Observatory.
12Jun14 - The UK Equity Bank
The document discusses a proposed UK Equity Bank that would allow homeowners aged 65+ to access equity in their homes to generate extra retirement income. It would work by the homeowner trading a portion of their home equity in exchange for an inflation-linked lifetime income from the bank. Upon the homeowner's death, the bank would recover the costs from the estate. The bank is proposed to address issues like income insecurity, isolation, and inability to pay for support as people age. It aims to better serve those with housing wealth but limited other assets or income. The document outlines how the bank could work, who it would target, potential administration models, and interactions with taxes and benefits.
12Oct16 - Housing in an Ageing Society
On the 12th October 2016, the ILC-UK held a Housing in an Ageing Society event, kindly hosted by Legal & General and supported by the ILC-UK Partners Programme.
On Tuesday, 19th July the International Longevity Centre - UK (ILC-UK) launched our “Housing in an ageing society” factpack with the support of FirstPort.
The report found a significant increase in older people living alone, yet millions were failing to adapt their homes to help them live independently.
The State of the Nation’s Housing’ reports that:Only around half of those over 50s experiencing limitations in Activities of Daily Living, live in homes with any adaptations.
Those in retirement housing are significantly more likely to be living in homes with adaptations than those who do not. Approximately 87% of those in retirement housing have home adaptations, by comparison to around 60% of other housing.
There could be a retirement housing gap of 160,000 by 2030 if current trends continue. By 2050, the gap could grow to 376,000.
Over 16 million people – mainly owner occupied, middle aged and older households - live in under-occupied housing.
Growing numbers of 45-64 year olds, and 65-74 year olds are living alone, with 6 million people living in houses with two or more excess bedrooms.
At the event we explored these trends and consider how policymakers should respond.
We heard presentations from:
- Sally Randall, Director, Housing Standards and Support, Department for Communities and Local Government
- Nigel Wilson, Group Chief Executive, Legal & General;
- Dr Brian Beach, Research Fellow, ILC-UK
What's hot (20)
Maximising the potential of the UK's ageing population. Lessons from Asia and...
Maximising the potential of the UK's ageing population. Lessons from Asia and...
27Mar14 - Community Matters Semiar Series - At Home - ppt presentation
27Mar14 - Community Matters Semiar Series - At Home - ppt presentation
ILC-UK/Actuarial Profession Robert Butler Memorial Lecture, in partnership wi...
ILC-UK/Actuarial Profession Robert Butler Memorial Lecture, in partnership wi...
02May14 - The demographic implications of Scottish independence
02May14 - The demographic implications of Scottish independence
Maximising the potential of the UK's ageing population. Lessons from Asia and...
Maximising the potential of the UK's ageing population. Lessons from Asia and...
'How can we support older workers?' an ILC-UK European policy debate, support...
'How can we support older workers?' an ILC-UK European policy debate, support...
Policy Debate: Longevity, health and public policy. How should policy-makers ...
Policy Debate: Longevity, health and public policy. How should policy-makers ...
ILC-UK Future of Ageing Presentation Slides - 09Nov16
ILC-UK Future of Ageing Presentation Slides - 09Nov16
Debt and problem debt among older people 4june13 - presentation
Debt and problem debt among older people 4june13 - presentation
14 Jul 14 - Fuller Working Lives: Announcing the new Business Champion for Ol...
14 Jul 14 - Fuller Working Lives: Announcing the new Business Champion for Ol...
Similar to Pension Commission: 10 Years On
RenEWL 16Jul14 - Brian Beach presentation
Brian Beach, Research Fellow at ILC-UK, gave a presentation on ‘The opportunities and challenges of an older workforce’ at the launch event for the Research on Extending Working Lives (renEWL) programme at University College London on 16 July.
16 mar15 final ppt presentation - incomplete
The document summarizes research presented by Ben Franklin of the International Longevity Centre-UK on the long-term financial implications of choices made at retirement. The research modeled the impact of four retirement scenarios - annuitizing, cashing out savings, holding savings in low-interest accounts, or keeping funds invested - on retirees' replacement incomes over time. It found those highly dependent on defined contribution savings face the most risk if they cash out, and recommends new defaults include annuities for this group to guarantee lifetime income and improve guidance on retirement options.
How should policymakers respond to the new challenges and opportunities of ag...
Presentation by David Sinclair, Assistant Director of Policy and Communications at ILC-UK, at 'New perspectives on population ageing in Scotland', 4 November 2013 14.00-17.00 as part of the ESRC Festival of Social Science http://www.esrc.ac.uk/news-and-events/events/festival/festival-events/specific-2013/population-ageing.aspx
David Sinclair's Council of Mortgage Lenders speech
The International Longevity Centre-UK is an independent, non-partisan think tank focused on issues related to longevity, aging, and population change. The document discusses challenges facing the housing and mortgage market in relation to an aging population, including reluctance from banks to provide mortgages to older borrowers and a lack of housing supply. It also notes opportunities for untapped spending by older consumers as lifespans increase and more retirees own their homes outright.
Healthy ageing? The opportunities and challenges of an older workforce
Slides from a Presentation by David Sinclair, Director at International Longevity Centre UK, to Cigna in June 2014.
Age Platform Conference - 4Dec14
David Sinclair, ILC-UK's Director, presented at the Age Platform Annual Conference in Brussels in December 2014.
For more information about the conference, please click here:
http://www.age-platform.eu/age-work/age-policy-work/age-friendly-environments/age-work/2300-age-annual-conference-4-december-2014-brussels
'How can we support older workers?' an ILC-UK European policy debate, support...
Tuesday 3rd September, M&G, Governor’s House, Laurence Pountney Hill, London, EC4R 0HH, 16:00 for a 16:30 start – 18:30
Featuring Steve Webb MP (Minister for Pensions); Christopher Brooks (Age UK) and David Sinclair (ILC-UK), presenting findings from a new policy review of European innovations in supporting longer working lives. Chaired by Baroness Greengross, CEO, ILC-UK and cross-bench peer
Europe needs older workers. Its long-term ageing population and recent economic hardships are creating huge fiscal and demographic pressures - pressures which could be greatly relieved if it can encourage its workers to remain in work for longer.
How is this to be achieved?
The European Union recently launched its Europe 2020 strategy which set employment targets of 75% for workers aged 20-64. However, with the old-age dependency ratio for the EU28 predicted to climb over 50% by 2050, much more still needs to be done.
In this event we will hear UK and EU perspectives on how older workers can be supported, with contributions from Steve Webb MP, the UK Minister for Pensions; and Christopher Brooks (Age UK)
To inform this debate, ILC-UK launched a report at the event, supported by Prudential, which shares key policy approaches being taken across to support older workers.
Advice in an ageing society - Money marketing conference
The document discusses issues related to longevity, aging, and population change. It summarizes that the International Longevity Centre-UK is an independent think tank focused on addressing these issues through evidence-based policy work. It notes challenges including a growing population of the oldest old (age 85+), who often live alone and have higher rates of illness, disability, and poverty than younger older groups. Healthcare and long-term care costs are also projected to rise substantially with aging populations.
ILC-UK Future of Ageing Conference
On the 24th November 2015, we held our first annual conference on 'The Future of Ageing'.
During this full day conference we painted a picture of the future of ageing and explored the challenges and opportunities ahead. Through our unique lifecourse focus we explored the potential impact of ageing not just on today’s older population, but also on tomorrows.
We heard presentations from:
- Steven Baxter (Partner, Hymans Robertson);
- Lord Filkin (Chair of the Centre for Ageing Better and Chair of the House of Lords Committee on Public Service and Demographic Change);
- Lord Willetts (Executive Chair at Resolution Foundation, and former Minister of State [Department for Business, Innovation and Skills]);
- Paul Johnson (Director, Institute for Fiscal Studies);
- Baroness Altmann (Minister for Pensions);
- Professor Jane Elliott (Chief Executive, Economic and Social Research Council);
- Professor Sir Mark Walport (Government Chief Scientific Adviser [GCSA] and Head of the Government Office for Science);
- Jim Boyd (Director of Corporate Affairs, Partnership);
- Elaine Draper (Director, Accessibility & Inclusion, Barclays);
- Mario Ambrosi (Head of Communications and Public Affairs, Anchor);
- Baroness Kay Andrews (Member of the House of Lords Built Environment Committee, Former Parliamentary Under-Secretary (Department for Communities and Local Government) 2006-2009);
- Professor Ian Philp (Deputy Medical Director for Older People’s Care, Heart of England NHS Foundation Trust).
The conference was chaired by Baroness Sally Greengross (Chief Executive, ILC-UK) and Lawrence Churchill (Trustee, ILC-UK).
Financial literacy (is good for sex)
A great presentation from Cesira Urzì Brancati, that asks some searching questions and comes to an interesting conclusion - about our financial capabilities!
ILC-UK - The Value of Financial Advice
Launched in the House of Lords on Thursday, 13th July 2017, this report, produced by ILC-UK with the support of Royal London, finds that those who received financial advice in the 2001-2007 period had accumulated significantly more liquid financial assets and pension wealth than their unadvised equivalent peers by 2012-14.
The end of the beginning: Private defined benefit pensions and the new normal
Held on Wednesday, 18th January 2017 in the House of Lords, this event launched the ILC-UK report 'The end of the beginning? Private defined benefit pensions and the new normal'.
Stronger Foundations launch event - Dr Brian Beach
ILC-UK launched Stronger Foundations, at a discussion and drinks reception help on 30th January 2018, supported by ARCO.
RIWC_Lord Filkin
The document discusses the global trend of population aging, with three key points:
1) The world's population over 65 will increase by 230 million by 2025, with Asia becoming the oldest region.
2) People are now living 35 years longer on average than in 1970, presenting opportunities but also challenges for health and social systems.
3) Governments will need to address the growing fiscal burden of pensions, health care, and disability support for a longer-living population with fewer workers.
It's the demography, stupid
The document discusses issues related to longevity, aging populations, and their economic impacts. It notes that populations are aging globally as life expectancy increases, which will significantly impact economies by reducing the ratio of working-age to older individuals. This could reduce economic growth by decreasing workforce participation and increasing costs for pensions and healthcare. However, aging populations also represent new opportunities for certain industries that cater to older consumers. Addressing the challenges of aging societies will be important for economic policymakers.
Health equals wealth: How can the UK and EU work together towards healthy age...
At this webinar, the Department for International Trade (DIT) and the International Longevity Centre-UK (ILC) explored how the EU and UK can work together on healthy ageing.
Why should we worry? The Future of Ageing
Presentation by David Sinclair at the British Geriatric Society conference in Belfast in April 2013 which explores the challenges and opportunities of an ageing society.
Intergenerational Commission slides - demographic trends and their impact on ...
Intergenerational Commission slides - demographic trends and their impact on ...ResolutionFoundation
A presentation by Resolution Foundation's David Finch for the event 'Living longer and living differently', part of the Intergenerational Commission.The Missing Million
The document summarizes findings from research conducted by the International Longevity Centre-UK on labor force participation among older individuals. It notes that there is a substantial drop-off in labor force participation between ages 53 to 67 and that the underlying causes of leaving the workforce for those over 50 include long work hours, ill health, and early retirement. The research also aims to identify "the missing million" who leave the workforce between these ages.
Turning_the_tide_of_inactivity
This document summarizes the key findings of a report on physical inactivity in the UK. It finds that 1 in 4 people in England are inactive, failing to meet guidelines of 30 minutes of moderate activity per week. Inactivity levels are about 10% higher in more deprived areas. There is also a relationship between inactivity and premature mortality, with more inactive areas having higher premature death rates. However, there is no significant connection between green space availability and inactivity levels. The document calls for a national strategy to reduce inactivity rates by 1% annually, which could save local authorities £1.2 billion over 5 years. It recommends prioritizing inactivity programs and developing evidence-based initiatives to engage inactive groups.
Similar to Pension Commission: 10 Years On (20)
How should policymakers respond to the new challenges and opportunities of ag...
How should policymakers respond to the new challenges and opportunities of ag...
David Sinclair's Council of Mortgage Lenders speech
David Sinclair's Council of Mortgage Lenders speech
Healthy ageing? The opportunities and challenges of an older workforce
Healthy ageing? The opportunities and challenges of an older workforce
'How can we support older workers?' an ILC-UK European policy debate, support...
'How can we support older workers?' an ILC-UK European policy debate, support...
Advice in an ageing society - Money marketing conference
Advice in an ageing society - Money marketing conference
The end of the beginning: Private defined benefit pensions and the new normal
The end of the beginning: Private defined benefit pensions and the new normal
Stronger Foundations launch event - Dr Brian Beach
Stronger Foundations launch event - Dr Brian Beach
Health equals wealth: How can the UK and EU work together towards healthy age...
Health equals wealth: How can the UK and EU work together towards healthy age...
Intergenerational Commission slides - demographic trends and their impact on ...
Intergenerational Commission slides - demographic trends and their impact on ...
More from ILC- UK
13 Jun 24 ILC Retirement Income Summit - slides.pptx
ILC's Retirement Income Summit was hosted by M&G and supported by Canada Life. The event brought together key policymakers, influencers and experts to help identify policy priorities for the next Government and ensure more of us have access to a decent income in retirement.
Contributors included:
Jo Blanden, Professor in Economics, University of Surrey
Clive Bolton, CEO, Life Insurance M&G Plc
Jim Boyd, CEO, Equity Release Council
Molly Broome, Economist, Resolution Foundation
Nida Broughton, Co-Director of Economic Policy, Behavioural Insights Team
Jonathan Cribb, Associate Director and Head of Retirement, Savings, and Ageing, Institute for Fiscal Studies
Joanna Elson CBE, Chief Executive Officer, Independent Age
Tom Evans, Managing Director of Retirement, Canada Life
Steve Groves, Chair, Key Retirement Group
Tish Hanifan, Founder and Joint Chair of the Society of Later life Advisers
Sue Lewis, ILC Trustee
Siobhan Lough, Senior Consultant, Hymans Robertson
Mick McAteer, Co-Director, The Financial Inclusion Centre
Stuart McDonald MBE, Head of Longevity and Democratic Insights, LCP
Anusha Mittal, Managing Director, Individual Life and Pensions, M&G Life
Shelley Morris, Senior Project Manager, Living Pension, Living Wage Foundation
Sarah O'Grady, Journalist
Will Sherlock, Head of External Relations, M&G Plc
Daniela Silcock, Head of Policy Research, Pensions Policy Institute
David Sinclair, Chief Executive, ILC
Jordi Skilbeck, Senior Policy Advisor, Pensions and Lifetime Savings Association
Rt Hon Sir Stephen Timms, former Chair, Work & Pensions Committee
Nigel Waterson, ILC Trustee
Jackie Wells, Strategy and Policy Consultant, ILC Strategic Advisory Board
Global launch of the Healthy Ageing and Prevention Index 2nd wave – alongside...
The Healthy Ageing and Prevention Index is an online tool created by ILC that ranks countries on six metrics including, life span, health span, work span, income, environmental performance, and happiness. The Index helps us understand how well countries have adapted to longevity and inform decision makers on what must be done to maximise the economic benefits that comes with living well for longer.
Alongside the 77th World Health Assembly in Geneva on 28 May 2024, we launched the second version of our Index, allowing us to track progress and give new insights into what needs to be done to keep populations healthier for longer.
The speakers included:
Professor Orazio Schillaci, Minister of Health, Italy
Dr Hans Groth, Chairman of the Board, World Demographic & Ageing Forum
Professor Ilona Kickbusch, Founder and Chair, Global Health Centre, Geneva Graduate Institute and co-chair, World Health Summit Council
Dr Natasha Azzopardi Muscat, Director, Country Health Policies and Systems Division, World Health Organisation EURO
Dr Marta Lomazzi, Executive Manager, World Federation of Public Health Associations
Dr Shyam Bishen, Head, Centre for Health and Healthcare and Member of the Executive Committee, World Economic Forum
Dr Karin Tegmark Wisell, Director General, Public Health Agency of Sweden
06Mar24 Mental health EU roundtable slides.pptx
The document summarizes a meeting discussing policy priorities for mental health in Belgium and the EU. It provides global context on the burden of mental illness, with anxiety and depression most common. Data is presented on government spending and suicide rates in various countries. The meeting objectives are to compare approaches to mental health diagnoses in different countries and make policy recommendations. Barriers to universal coverage for mental disorders are discussed. The EU's initiatives to address workplace wellbeing, youth mental health, and underserved groups are highlighted. Roundtable discussions center on social and health system factors affecting treatment journeys, and what countries can learn from each other. Conclusions will be presented on addressing acute mental health challenges across the EU.
06March24 ILC Europe Network slides.pptx
The document summarizes a conference on healthy aging and longevity in Europe organized by the International Longevity Centre (ILC) Europe Network. It provides an agenda for the conference including sessions on prevention and health interventions to live longer, vaccination rates across Europe, and creating age-friendly cities. The document also shares results from ILC's Healthy Ageing and Prevention Index, which ranks countries on metrics like life expectancy, health spending, and environment. It finds gaps between Western and Eastern European countries and recommends increased investment in prevention to help populations age healthier and live longer.
Redefining lifelong learning webinar presentation slides.pptx
We know that we’re living longer, which means many people will also be working for longer. One in seven people over 65 are still employed in the UK, but we’re still seeing challenges in our labour markets.
According to the ILC’s Healthy Ageing and Prevention Index, the UK’s work span is only 31.5 years, ranking the UK 47th out of 121 countries. Skills shortages driven by demographic change are hitting all sectors of the UK’s economy: by 2030, we could see a shortage of 2.6 million workers. On the other hand, if UK employment rates for those aged 50 to 64 matched the rates of those aged 35 to 49, the country’s GDP would increase by more than 5%.
One way to improve work span and employment is through lifelong learning. However, in the UK, as the Learning and Work Institute’s Adult Participation in Learning survey showed, rates of learning continue to fall with age. In 2023, only 36% of people aged 55 to 64, 24% of those aged 65 to 74, and 17% of those aged 75 and over said that they’d taken part in any kind of learning in the past three years.
To better understand the approaches in other countries, we consulted with experts in lifelong learning, both from the UK and globally. ILC's report, in collaboration with Phoenix Insights, Redefining lifelong learning: lessons from across the globe considers the approaches taken in Singapore, Japan, South Korea, Canada, Germany, the Netherlands and Sweden. While each country’s approach is different, and shaped by its wider cultural, political and economic context, there are some common threads including: learning culture; the range of learning opportunities on offer; levels of support and investment; and accessibility
Painfully unaware: Improving older people’s understanding of shingles vaccina...
Presentation at a roundtable to discuss the ILC-UK’s forthcoming report on shingles vaccination across Europe.
"If only I had"... LV= insights into retirement planning webinar
As part of this debate LV= shares the findings from their quarterly Wealth and Wellbeing research programme, which surveys a nationally representative sample of 4,000 adults across the UK on a variety of topics, including their changing attitude to their finances and their wider wellbeing.
Healthy Ageing and Prevention Index - Our impact
The document summarizes the work of ILC (International Longevity Centre) on their prevention programme from 2019-2022, which included establishing the Healthy Ageing and Prevention Index. Some key activities included:
- Engaging stakeholders worldwide to build consensus on prevention and healthy aging issues
- Influencing international organizations like G20, WHO, and UN to prioritize prevention
- Launching the Prevention Index, which ranks 121 countries on metrics like life expectancy, health spending, and happiness
- Establishing a coalition of over 30 organizations to endorse and support the Index's goals
- Hosting numerous global forums to discuss findings and identify policy solutions
G20 high-level side event in India
Alongside the G20 Health Ministers’ meeting in Gandhinagar, India, in August, ILC-India and ILC-UK held a joint high-level side event to amplify the importance of healthy ageing and prevention among the G20.
Plugging the gap: Estimating the demand and supply of jobs by sector in 2030
The UK economy could see a shortfall of 2.6 million workers by 2030 – almost twice the workforce of the NHS – as a result of population ageing, the COVID pandemic and Brexit.
These shortfalls will affect the whole economy, with manufacturing, retail, construction, transport, health and social care among the sectors projected to be hardest hit.
To plug these gaps, Government must introduce a comprehensive Workforce Strategy looking at:
How to support people to stay in the workforce for longer, e.g. by supporting healthy workplaces, supporting carers and creating flexible conditions that suit people’s needs.
How to ameliorate childcare costs and reintegrate people into the workforce following timeout for caring or a health need
The role of migration and automation in addressing major workforce gaps
G7 high-level side event in Hiroshima
G7 high-level side event in Hiroshima: Covid recovery and prevention
Date: Thursday 18 May 2023
Time: 6.30pm – 8.30pm (JST)
Location: Hiroshima, Japan
Leaving no one behind: Progress on Life Course Immunisation Roundtable – alon...
Leaving no one behind: Progress on Life Course Immunisation Roundtable – alongside the World Health Assembly
Date: Tuesday 23 May 2023
Time: 13.00 – 14.30 (CET), followed by refreshments
Location: Geneva Press Club, Geneva, Switzerland
Healthy ageing and Prevention Index launch
Global launch of the Healthy Ageing and Prevention Index alongside the 76th World Health Assembly
Date: Tuesday 23 May 2023
Time: 3.30pm – 4.30pm (CET) launch, followed by networking with refreshments
Location: Geneva Press Club, Geneva, Switzerland
G7 high-level side event in Niigata
G7 high-level side event in Niigata: Healthy ageing and prevention
Date: Wednesday 10 May 2023
Time: 2.00pm – 3.30pm (JST), followed by networking with refreshments
Location: Niigata, Japan
Prof Mihai Craiu - ILC vaccine hesitancy April 2023
Prof Mihai Craiu presentation at Working lunch: Vaccine confidence in Central & Eastern Europe on 20 April 2023.
Vaccine confidence in Central and Eastern Europe working lunch
At this exclusive working lunch, we discussed the International Longevity Centre UK’s (ILC-UK) forthcoming report on vaccine confidence in Central & Eastern Europe (CEE).
Priorities for the G20 in India webinar
During this event, we shared the findings from our policy publication on what we think should be the priorities for the G20 in India and the key messages we want to disseminate to ministers and world leaders. We heard from experts on the opportunities and challenges to engage India and the G20 with prevention and healthy ageing and identify further opportunities to maximise our engagement while at the G20 in September.
Final Marathon or sprint launch Les Mayhew slides 19 April.pptx
Research by the International Longevity Centre UK (ILC) funded by Bayes Business School — based on Commonwealth Games competitor records since the inaugural event in 1930 — shows large differences in the longevity of medal winners compared to people in the general population that were born in the same year. A report finds that top-level sports people can live over 5 years longer than the rest of the population.
Launching Trial and error: Supporting age diversity in clinical trials
During this virtual event, Esther McNamara, ILC's Senior Health Policy Lead, presents the Trial and error report’s findings and recommendations. A panel of five experts respond to the report and discuss how improved age diversity will benefit patients of all ages.
More from ILC- UK (20)
13 Jun 24 ILC Retirement Income Summit - slides.pptx
13 Jun 24 ILC Retirement Income Summit - slides.pptx
Global launch of the Healthy Ageing and Prevention Index 2nd wave – alongside...
Global launch of the Healthy Ageing and Prevention Index 2nd wave – alongside...
MHM Roundtable Slide Deck WHA Side-event May 28 2024.pptx
MHM Roundtable Slide Deck WHA Side-event May 28 2024.pptx
Redefining lifelong learning webinar presentation slides.pptx
Redefining lifelong learning webinar presentation slides.pptx
Painfully unaware: Improving older people’s understanding of shingles vaccina...
Painfully unaware: Improving older people’s understanding of shingles vaccina...
"If only I had"... LV= insights into retirement planning webinar
"If only I had"... LV= insights into retirement planning webinar
Plugging the gap: Estimating the demand and supply of jobs by sector in 2030
Plugging the gap: Estimating the demand and supply of jobs by sector in 2030
Leaving no one behind: Progress on Life Course Immunisation Roundtable – alon...
Leaving no one behind: Progress on Life Course Immunisation Roundtable – alon...
Prof Mihai Craiu - ILC vaccine hesitancy April 2023
Prof Mihai Craiu - ILC vaccine hesitancy April 2023
Vaccine confidence in Central and Eastern Europe working lunch
Vaccine confidence in Central and Eastern Europe working lunch
Final Marathon or sprint launch Les Mayhew slides 19 April.pptx
Final Marathon or sprint launch Les Mayhew slides 19 April.pptx
Launching Trial and error: Supporting age diversity in clinical trials
Launching Trial and error: Supporting age diversity in clinical trials
Recently uploaded
Health Insurance Coverage for the U.S. Population, 2024 to 2034
Presentation by Jessica Hale, an analyst in CBO’s Budget Analysis Division, at a press briefing organized by "Health Affairs."
How To Cultivate Community Affinity Throughout The Generosity Journey
This session will dive into how to create rich generosity experiences that foster long-lasting relationships. You’ll walk away with actionable insights to redefine how you engage with your supporters — emphasizing trust, engagement, and community!
在线办理(西班牙UPV毕业证书)瓦伦西亚理工大学毕业证毕业完成信一模一样
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本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
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二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Indira awas yojana housing scheme renamed as PMAY
Indira Awas Yojana (IAY) played a significant role in addressing rural housing needs in India. It emerged as a comprehensive program for affordable housing solutions in rural areas, predating the government’s broader focus on mass housing initiatives.
Milton Keynes Hospital Charity - A guide to leaving a gift in your Will
A forever thank you in your Will to Milton Keynes University Hospital can change lives for years to come.
2024: The FAR - Federal Acquisition Regulations, Part 42
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
karnataka housing board schemes . all schemes
The Karnataka government, along with the central government’s Pradhan Mantri Awas Yojana (PMAY), offers various housing schemes to cater to the diverse needs of citizens across the state. This article provides a comprehensive overview of the major housing schemes available in the Karnataka housing board for both urban and rural areas in 2024.
G7 Apulia Leaders Communique, June 2024 (1).pdf
G7 Apulia Leaders Communique, 14th June 2024
"The present Canon of the West"
2024: The FAR - Federal Acquisition Regulations, Part 41
Jennifer Schaus and Associates hosts a complimentary webinar series on The FAR in 2024. Join the webinars on Wednesdays and Fridays at noon, eastern.
Recordings are on YouTube and the company website.
https://www.youtube.com/@jenniferschaus/videos
一比一原版英国阿伯丁大学毕业证(AU毕业证书)学历如何办理
退学办理文凭【微信号:176555708】【(AU毕业证书)】【微信号:176555708】《成绩单、外壳、offer、真实留信官方学历认证（永久存档/真实可查）》采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【我们承诺采用的是学校原版纸张（纸质、底色、纹路）我们拥有全套进口原装设备，特殊工艺都是采用不同机器制作，仿真度基本可以达到100%，所有工艺效果都可提前给客户展示，不满意可以根据客户要求进行调整，直到满意为止！】
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信号:176555708】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信号:176555708】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
留信网服务项目：
1、留学生专业人才库服务（留信分析）
2、国（境）学习人员提供就业推荐信服务
3、留学人员区块链存储服务
【关于价格问题（保证一手价格）】
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：客户在留信官方认证查询网站查询到认证通过结果后付款，不成功不收费！
Lecture 7 Module VII Agriculture Insurance - Support Services (2).pdf
Agriculture Insurance - Support Services
在线制作(umich毕业证书)美国密歇根大学毕业证学位证书原版一模一样
原版一模一样【微信：741003700 】【(umich毕业证书)美国密歇根大学毕业证学位证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
一比一原版(uoit毕业证书)加拿大安大略理工大学毕业证如何办理
原版一模一样【微信：741003700 】【(uoit毕业证书)加拿大安大略理工大学毕业证成绩单】【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
办理(uoit毕业证书)加拿大安大略理工大学毕业证【微信：741003700 】外观非常简单，由纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理(uoit毕业证书)加拿大安大略理工大学毕业证【微信：741003700 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理(uoit毕业证书)加拿大安大略理工大学毕业证【微信：741003700 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理(uoit毕业证书)加拿大安大略理工大学毕业证【微信：741003700 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
一比一原版(Adelaide毕业证)阿德莱德大学毕业证如何办理
原件一模一样【微信：95270640】【阿德莱德大学毕业证Adelaide学位证成绩单】【微信：95270640】（留信学历认证永久存档查询）采用学校原版纸张、特殊工艺完全按照原版一比一制作（包括：隐形水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠，文字图案浮雕，激光镭射，紫外荧光，温感，复印防伪）行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备，十五年致力于帮助留学生解决难题，业务范围有加拿大、英国、澳洲、韩国、美国、新加坡，新西兰等学历材料，包您满意。
【业务选择办理准则】
一、工作未确定，回国需先给父母、亲戚朋友看下文凭的情况，办理一份就读学校的毕业证【微信：95270640】文凭即可
二、回国进私企、外企、自己做生意的情况，这些单位是不查询毕业证真伪的，而且国内没有渠道去查询国外文凭的真假，也不需要提供真实教育部认证。鉴于此，办理一份毕业证【微信：95270640】即可
三、进国企，银行，事业单位，考公务员等等，这些单位是必需要提供真实教育部认证的，办理教育部认证所需资料众多且烦琐，所有材料您都必须提供原件，我们凭借丰富的经验，快捷的绿色通道帮您快速整合材料，让您少走弯路。
留信网认证的作用:
1:该专业认证可证明留学生真实身份【微信：95270640】
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
→ 【关于价格问题（保证一手价格）
我们所定的价格是非常合理的，而且我们现在做得单子大多数都是代理和回头客户介绍的所以一般现在有新的单子 我给客户的都是第一手的代理价格，因为我想坦诚对待大家 不想跟大家在价格方面浪费时间
对于老客户或者被老客户介绍过来的朋友，我们都会适当给一些优惠。
选择实体注册公司办理，更放心，更安全！我们的承诺：可来公司面谈，可签订合同，会陪同客户一起到教育部认证窗口递交认证材料，客户在教育部官方认证查询网站查询到认证通过结果后付款，不成功不收费！
办理阿德莱德大学毕业证毕业证假文凭Adelaide学位证【微信：95270640 】外观非常精致，由特殊纸质材料制成，上面印有校徽、校名、毕业生姓名、专业等信息。
办理阿德莱德大学毕业证Adelaide学位证毕业证假文凭【微信：95270640 】格式相对统一，各专业都有相应的模板。通常包括以下部分：
校徽：象征着学校的荣誉和传承。
校名:学校英文全称
授予学位：本部分将注明获得的具体学位名称。
毕业生姓名：这是最重要的信息之一，标志着该证书是由特定人员获得的。
颁发日期：这是毕业正式生效的时间，也代表着毕业生学业的结束。
其他信息：根据不同的专业和学位，可能会有一些特定的信息或章节。
办理阿德莱德大学毕业证毕业证假文凭Adelaide学位证【微信：95270640 】价值很高，需要妥善保管。一般来说，应放置在安全、干燥、防潮的地方，避免长时间暴露在阳光下。如需使用，最好使用复印件而不是原件，以免丢失。
综上所述，办理阿德莱德大学毕业证毕业证假文凭Adelaide学位证【微信：95270640 】是证明身份和学历的高价值文件。外观简单庄重，格式统一，包括重要的个人信息和发布日期。对持有人来说，妥善保管是非常重要的。
G7 Apulia Leaders Communique, 14th June 2024
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Pension Commission: 10 Years On
- 1. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. Pension Commission: 10 Years On ILC-UK Retirement Income Summit 2016
- 2. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. The Pension Commission set out 4 scenarios Working longer Saving more Paying more tax or Poorer pensioners But what happened?
- 3. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. Are we working longer?
- 4. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. People continue to spend an increasing proportion of their time in retirement Source: ILC-UK analysis of DWP and ONS. Average time in retirement calculated as cohort life expectancy at average age of exit from the workforce.
- 5. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. The average age of exit from the labour force is increasing. But it is still below what it was in the 1970s Source: DWP and ONS
- 6. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. Are we saving more?
- 7. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. Auto-enrolment has delivered a growing % of employees with workplace pensions
- 8. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. But median contribution rates are on DC schemes are low Source: ILC-UK analysis of ONS data
- 9. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. A growing % of us have no savings. Final salary pension coverage is falling. Declining final salary (DB) pension coverage (UK)
- 10. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. And the young are less well placed to save
- 11. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. Are we paying more taxes?
- 12. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. Effective tax rates during the last decade have been relatively low by historic standards. Source: ILC-UK analysis of ONS data. Notes: There is a break in the time series for original income between 1976 and 1977.
- 13. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. There is much talk of older people taking a growing % of the cake. Spending on pensioner benefits as a % of GDP is above the long run trend, while spending on working age benefits is marginally below.
- 14. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. Are we seeing poorer pensioners?
- 15. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. Tackling pensioner poverty has been a major success (for now). Average pensioner incomes are predicted to decline in 10 years. The end of the golden age?
- 16. The International Longevity Centre-UK is an independent, non-partisan think-tank dedicated to addressing issues of longevity, ageing and population change. International Longevity Centre-UK