Ch 6: Your pensions gap
Page 75: Further information on long-term care is available from Age Concern.
Page 76: More detailed information on means testing for long term care is available by downloading this Age Concern booklet.
Page 76 (and 77) You can get a personal statement of your state pension entitlement here.
Page 77: The Pensions Service has information on how SERPS can be inherited by relatives.
Page 78: There is surprisingly little definitive information about how and when you should considering contracting back in to SERPS (or S2P) if you are currently contracted-out. Generally the older you are, and the lower investment returns you expect, the more you should consider contracting in. Some companies are now recommending that everyone now contracts back in. Background information is available at the following sites:
Page 79: A sample letter to employers about your pension entitlement can be obtained from Aegon.
Page 80: Rather than sending a letter, you can trace old personal pensions much more easily by using the Pension Tracing Service from the Pension Service.
Page 82: Information open market options,and links to rates, are available from the FSA Money Made Clear website.
Page 84: Information on other benefits available in retirement is available here.
