Pensions law

Maintaining contributions

Consultation on the revised codes of practice on reporting late payment of contributions to defined contribution (DC) occupational and personal pension schemes (code of practice nos 5 and 6) and accompanying guidance.

DWP Consultation - The Occupational Pension Schemes (Miscellaneous Amendment) Regulations 2013

This consultation asks for views on changes to regulations which affect defined benefit workplace pension schemes.

One change relates to formerly contracted-out schemes that wish to make a change to their scheme rules. Other changes affect bulk transfer of scheme membership and accrued rights without member consent, and ensure transfers can be made to pension schemes both within and outside the European Economic Area (EEA).

Auto Enrolment: Career Average Schemes as Qualifying Schemes

This consultation sets out proposals to revise Regulation 36 of the Occupational and Personal Pension Schemes (Automatic Enrolment) Regulations 2010. It seeks views on whether the proposals will achieve the intended effect, particularly from employers with Career Average Revalued Earnings (CARE) pension schemes that they are intending to use as qualifying schemes.

The Occupational Pension Schemes (Disclosure of Information) (Amendment) Regulations 2012

This consultation seeks views on the draft regulations. Their main purpose is to bring into line with the workplace pension reforms those regulations which require occupational pension schemes to disclose information to members and others - for example, beneficiaries.

Revised implementation proposals for workplace pension reform

This consultation seeks views on the changes to the automatic enrolment implementation timetable for employers with less than 250 workers in their PAYE scheme and to the arrangements for phasing of minimum contributions affecting all employers.

Workplace Pension Reform - Automatic Enrolment and European Employers

This consultation Workplace Pension Reform - Automatic Enrolment and European Employers seeks views on proposals to exempt employers who employ individuals who work both in the UK and in other member states from automatically enrolling individuals who are subject to the social and labour laws of EEA member states relevant to the field of occupational pension schemes other than the UK.

UK response to the 1 March European Court of Justice ruling that insurance benefits and premiums after 21 December 2012 should be gender-neutral

In March 2011 the European Court of Justice ruled that the use of gender as a risk factor by insurers should not result in individual differences in premiums and benefits for men and women, with effect from 21 December 2012.

The consultation document seeks views on the government's legal interpretation of the judgment and the accompanying draft regulations that amend the Equality Act. It also seeks comments on the government's impact assessment and requests additional data that would contribute to a better understanding of the impact on consumers and insurers. Finally, it asks for views on some of the key issues arising from the judgment, such as the scope of indirect discrimination.

Meeting future workplace pension challenges: improving transfers and dealing with small pension pots

This consultation looks at how government and the pensions community can work together to solve a key challenge facing the workplace pensions system: the proliferation of small pension pots. The DWP anticipate that automatic enrolment and a highly mobile jobs market will lead to around 4.7 million additional small pension pots in our future pension system. The burden of these small pots is compounded by the fact that systemic barriers, like cost and complexity, prevent people from moving and consolidating their pensions into the one place.
 
The consultation suggests a number of ways to help people get the most out of their pension, and more easily transfer and keep track of their pension savings.