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Useful areas

Useful links

There are a number of organisations that can offer you extra help or advice whether you are already retired, just about to retire or planning for retirement. You may find it useful to contact them for more information.

Information for pensioners
Pensioner organisations
Private pensions and your finances
Other benefits and entitlements
Information for disabled people and carers
General advice
Tax and National Insurance contributions

 


Information for pensioners

Keep Warm, Keep Well has a range of information to help you keep warm and well in winter. See Keep Warm, Keep Well on the Department of Health's website.

Retiring abroad: The website of the Foreign and Commonwealth Office (FCO) provides a general guide for those planning to retire abroad. The list includes hints on how to find out about your tax liability and welfare rights, what you need to do before you leave and when you arrive, and contact details for the organisations you need to notify of your plans.See the retiring abroad section of the FCO website.

Northern Ireland: If you live in Northern Ireland see the Social Security Agency Northern Ireland website at: www.ssani.gov.uk.

Veterans Agency: The Veterans Agency provides information on claiming the War Disablement Pension, War Widow's and Widower's pensions, and supplementary allowances. You can call them on 0800 169 22 77, or textphone 0800 169 34 58.
Telephone lines are open 8.15am to 5.15pm Monday to Thursday; and 8.15am to 4.30pm Friday. If you are calling from overseas the number is +44 1253 866043.
www.veteransagency.mod.uk


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Pensioner organisations

Help the Aged - SeniorLine: SeniorLine is the free telephone service run by Help the Aged for older people and their carers. Trained advice workers can help with questions about welfare benefits, community care and residential care. Phone 0808 800 65 65. The lines are open Monday to Friday 9.00am to 4.00pm. Calls are free.
www.helptheaged.org.uk

Age Concern: Giving you and your relatives information on everything from money and legal issues to community care and health. Phone free on 0800 00 99 66. Lines are open 7.00am-7.00pm, seven days a week, every day of the year.
www.ageconcern.co.uk

Counsel and Care: For advice on your rights to community care and welfare benefits, phone 0845 300 7585. Lines are open Monday to Friday 10.00am to 12.30pm and 2.00pm to 4.00pm. Calls are charged at local rates.
www.counselandcare.org.uk


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Private pensions and your finances

Financial Services Authority: Offers general information about financial services and products. Phone 0845 606 1234. Lines are open Monday to Friday 8.00am to 8.00pm. Calls are charged at local rates.
www.fsa.gov.uk

Independent Financial Advisers: You can also contact an independent financial adviser, but remember, you will generally have to pay for this.
www.unbiased.co.uk

The Employer Task Force: This is an employer-led body with a mission to increase and extend occupational and private pension provision.
www.employertaskforce.org.uk

The Pensions Regulator: If you have concerns about the way your occupational pension scheme is being run phone the Pensions Regulator on 0870 606 3636. Lines are open Monday to Friday 9.00am to 5.00pm. Calls are charged at local rates.
www.thepensionsregulator.gov.uk

The Pensions Advisory Service: For free information and guidance about company, personal or stakeholder pensions, phone The Pensions Advisory Service on 0845 601 2923. Lines are open Monday to Friday 9.00am to 5.00pm. Calls are charged at local rates.
www.pensionsadvisoryservice.org.uk

Shop around for pensions: By using the comparative tables at the Financial Services Authority's website at www.fsa.gov.uk.

Stakeholder pensions: The Financial Services Authority have published a series of flowcharts to help you decide whether a stakeholder pension is right for you.
www.fsa.gov.uk/consumer/decision_trees/index.html


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Other benefits and entitlements

Jobcentre plus: for working age people looking for work or claiming benefits.
www.jobcentreplus.gov.uk

Social Security Agency Northern Ireland: If you live in Northern Ireland see the Social Security Agency Northern Ireland website at: www.ssani.gov.uk.

Child Support Agency: The Child Support Agency part of the Department for Work and Pensions, assesses, collects and pays Child Support maintenance.
www.csa.gov.uk
.

Department for Work and Pensions: Find out more about the Department for Work and Pensions at www.dwp.gov.uk.


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Information for disabled people and carers

The government is making it easier to access information and services through a website called Directgov. It provides information for disbled people and carers of all ages in areas like employment, independent living, money matters, learning and rights.

Find more information for disabled people on the Directgov website

Find more information for carers on the Directgov website


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General advice

Age Positive: Age Positive is the Government's campaign to tackle age discrimination and promote the business benefits of age diversity in the workplace. We feature the Code of Practice on Age Diversity in Employment and Good Practice
www.agepositive.gov.uk

Are you over 50? points you in the right direction for help and advice from government and voluntary organisations, for opportunities to get the most out of work and leisure in later life, for keeping fit and healthy and information on planning for your future.
www.over50.gov.uk

Consumer Education: The Consumer Education website contains general advice and information for consumers. The site covers areas such as shopping, money, laws, health, environment and information on how to complain about faulty goods and services.
www.consumereducation.org.uk

Citizens Advice: Contact the Citizens Advice Bureaux for free, confidential and independent advice. You can find details about your local Citizen's Advice Bureau in your local telephone directory.
www.citizensadvice.org.uk

Public Guardianship Office: The Public Guardianship Office provides financial protection services for people who are not able to manage their financial affairs because of mental illness or incapacity. They also support families and advisers of the person who is mentally ill, often after someone has applied to the court to manage that person's financial affairs.
Their website has information on what to do if a friend or family member can't manage their own affairs (appointing a receiver), as well as information and a helpline for questions about appointing a person to manage another person's financial affairs and property in the event of loss of capacity (enduring power of attorney).
www.guardianship.gov.uk


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Tax and National Insurance contributions

HM Revenue & Customs: For free simple leaflets explaining tax allowances phone the leaflet order line on 0115 974 1670.

If you have a National Insurance enquiry phone 0845 915 0150. The lines are open Monday to Friday 8.30am to 5.00pm.

For National Insurance contributions guides and forms, including the leaflet 'CA08 Voluntary National Insurance contributions', visit the HM Revenue & Customs website.

Find out more about gaps in your National Insurance contributions in our approaching retirement section.

For information on Working Families Tax Credit phone 0845 609 5000 if you live in Great Britain (Textphone 0845 606 6668). If you live in Northern Ireland phone 0845 609 7000 (Textphone 0845 607 6078). All calls are charged at local rates. Or see www.hmrc.gov.uk/pensionschemes

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