Where to go for help and advice
Capita Teachers' Pensions Mowden Hall, Darlington, DL3 9EE
Tel: 0845 6066166
Fax: 01325 745789 www.teacherspensions.co.uk
Administrators of the teachers' additional voluntary contributions scheme (AVCs).
The Pension Connection Tel: 0845 607 0077 (9am-7pm, Monday to Friday)
(all available on Amazon)
The Pensions Handbook: Planning Ahead to Boost Retirement Income
By Sue Ward, published September 2004 by Age Concern Books. pound;5.59
7 Ways to Beat the Pension Crisis By Anthony Vice, published April 2004 by How To Books. pound;6.99
Take Control of Your Pension: action pack from Which?
By Jonquil Lowe, published February 2003 by Which? Books. pound;7.69
Investing for Dummies
By Tony Levene, published July 2004 by John Wiley. pound;7.79
Sorting Out Your Finances for Dummies
By Melanie Bien, published March 2005 by John Wiley. pound;5.99
The "Which?" Guide to Making the Most of Retirement
By Thalia Thompson, published September 2003 by Which? Books. pound;7.69
Retiring to Spain : Everything you Need to Know
By Cyril Holbrook, published November 2003 by Age Concern Books. Pounds 6.39
The Beginner's Guide to Retirement: Taking Control of Your Future
By Michael Longhurst, published by Newleaf 2001. pound;14.99
CHARITIES AND CAMPAIGNERS
Information on everything from money and legal issues to community care and health. Telephone free: 0800 00 99 66 www.ageconcern.co.uk
Association of Retired and Persons Over 50
ARPO50 is a social and campaigning membership organisation for older people, dedicated to changing attitudes to age.
Windsor House, 1270 London Road SW16 4DH
Tel: 020 8764 3344 www.arp050.org.uk
Counsel and Care
Advice on rights to community care and welfare benefits.
Tel: 0845 300 7585 (Monday to Friday, 10am to 12noon, 2pm to 4pm, except Wednesday)
Help the Aged
SeniorLine is a free telephone service run by Help the Aged for older people and their carers. Trained advice workers help with questions about welfare benefits, community care and residential care.
Tel: 0808 800 6565 (Monday to Friday, 9am to 4pm)
Teacher Support Network
The TSN, an independent charity where teachers and lecturers, both working and retired, can get advice and support on many issues including housing, health, well-being and personal finance. Its Money Advice Service offers help with in managing your money and dealing with debt. It does not offer advice concerning savings, investment and so on.
Hamilton House, Mabledon Place London WC1H 9BE
Tel: 020 7554 5200 (England) Tel: 01656 766 287 (Wales)
Tel: 0131 220 0872 (Scotland)
Tel: 028 9127 5929 (Northern Ireland)
Email: enquiries@teachersupport. info
Department for Work and Pensions
Government department with comprehensive online pensions and retirement section. Also information on proposed changes to public sectorschemes.www.
Also includes the Pension Service www.thepensionservice.gov.uk intended to be the first port of call for state and private pensions information on the web. Does not advise on private or occupational pensions, but does give pointers as to what you should be thinking about, whether you are just starting out, are about to retire or have already retired. Also Pensions Direct, another DWP service, with general advice if your state pension, widow's or bereavement benefits are already paid direct into a bank or building society account.
Tyne View Park, Whitley Road Benton, Newcastle Upon Tyne NE98 1BA
Tel: 0845 301 3011
The UK Government Actuary's Department (GAD)
This is a government department and a commercial actuarial consultancy giving independent professional advice within the public service. It provides advice which affects the pension entitlements of more than three million public-sector workers in the UK and advises the governments of many other countries on similar topics.
Finlaison House, 5-17 Furnival Street, London EC4A 1AB
Tel: 020 7211 26002601
Government proposals for change
The progress of the debate on the modernisation of the TPS, including teachers' responses to the proposals, can be found by searching "pensions consultations" on www. teachernet.gov.uk, as well as downloading the 2002 Pensions Green Paper: Public Service Pension Age - Information for Members of the Teachers' Pensions Scheme (TPS) leaflet, available in English or Welsh. Entitled "Simplicity, Security and Choice: Working and Saving for Retirement", it proposed a package of reforms to ensure that people are adequately provided for in retirement and to encourage greater participation of older workers in the labour market.
REGULATORY AND ADVISORY BODIES
Provides consumers with a free, independent service for resolving disputes with financial firms. Financial Ombudsman Service South Quay Plaza, 183
Marsh Wall London E14 9SR
Tel: 0845 080 1800 www.fos.org.ukdefault.htm
Financial Services Authority
The FSA is the independent regulator set up by the Government to look after the financial services industry and protect consumers. The FSA does not deal with specific consumer complaints, recommend firms or give legal advice, however, its helpline can answer general queries about financial products and services. It can also tell you if a firm is authorised and help direct you if you have a complaint and don't know who to contact.
Tel: 0845 606 1234 (Monday to Friday, 8am-6pm )Automated leafletline line for the most frequently requested publications: 0845 456 1555
The Pensions Advisory Service
An independent non-profit organisation that provides information and guidance on the whole spectrum of pensions covering state, company, personal and stakeholder schemes. Also helps anyone with a problem, complaint or dispute with their occupational or private pension arrangement. The work is carried out mostly by a network of volunteer pension professionals spread throughout the UK. All are people who work or have worked in the pensions industry and do their advisory work in their own time.
Tel: 0845 6012923 www.opas.org.uk
These have been available from April 6, 2001. Helpline: 0845 6012923
www. stakeholderhelpline. org.uk
The ombudsman investigates and decides complaints and disputes about the way that pension schemes are run. David Laverick, the current ombudsman, is appointed by Parliament, and is independent. His services are free.
11 Belgrave Road, London
Tel: 020 7834 9144
Email: enquiries@pensions- ombudsman.org.uk
Pension Protection Fund
Fund established by the Government to pay compensation to workers who belong to final salary schemes if their employer goes into liquidation.
Knollys House, 17 Addiscombe Road, Croydon, Surrey CR0 6SR
Tel: 0845 600 2541
Email: email@example.com .uk
The Pensions Commission
The commission, under Adair Turner, was appointed by the Government in 2002 to advise on the future of pensions in the UK. Its report, "Challenges and Choices", was published last year and can be downloaded from www.pensionscommission.org.uk, or ordered from the Stationery Office
www.tso.co.uk. It is due to make recommendations this year.
Occupational Pensions Regulatory Authority
It can impose penalties where there are breaches of the law. Helps people trace pension schemes they have lost touch with.
The Pension Regulator
Napier House, Trafalgar Place Brighton BN1 4DW
Tel: 01273 811800
Times Educational Supplement
News and opinion on the pensions debate, plus views from the classroom in the online staffroom. www.tes.co.ukstaffroom
Consumer magazine with plenty of advice on personal finance, investments, and pensions. Currently offering 30-day free trial. Which?, Castlemead, Gascoyne Way, Hertford SG14 1LH
Tel: 0845 307 4000
Email: firstname.lastname@example.org www.which.co.uk
Simplicity, Security and Choice: Working and Saving for Retirement
A joint response on women and pensions from Age Concern and the Fawcett Society.
Age Concern, tel: 020 8765 7200
Fawcett Society, tel: 020 7253 2598
Association of Teachers and Lecturers
7 Northumberland Street
London WC2N 5RD
Tel: 020 7930 6441
Email: email@example.com www.atl.org.uk
Educational Institute of Scotland
46 Moray Place
Edinburgh EH3 6BH
Tel: 0131 225 6244
National Association of Head Teachers
The NAHT salaries, pensions and conditions of service department offers support, help and guidance on all matters relating to the TPS, particularly guidance on ill-health retirement.
Tel: 01444 472477
Email: firstname.lastname@example.org www.naht.org.uk
National Association of Schoolmasters Union of Women Teachers
Hillscourt Education Centre
Rose Hill, Rednal, Birmingham
Tel: 0121 453 6150
Email: email@example.com. org.uk
National Association of Teachers in Further and Higher Education
27 Britannia StreetLondon WC1X 9JP
Tel: 020 7837 3636
Email: firstname.lastname@example.org www.natfhe.org.uk
National Union of Teachers
Hamilton House, Mabledon Place London WC1H 9BD
Tel: 020 7388 6191 www.teachers.org.uk
Professional Association of Teachers
2 St James' Court, Friar Gate Derby DE1 1BT
Tel: 01332 372337
Email: email@example.com www.pat.org.uk
Secondary Heads Association
130 Regent Road, Leicester
Tel: 0116 299 1122
Email: firstname.lastname@example.org www.sha.org.uk
Welsh teachers' union.
Pen Roc, Rhodfa'r Mor,
Tel: 01970 639950
The public-sector union with many members in schools.
1 Mabledon Place, London
Tel: 0845 355 0845 www.unison.org.uk
Also Frizzell, financial services company in partnership with Unison since 1931.
Liverpool Victoria IFA, County Gates, Bournemouth BH1 2NF
Tel: 0800 252 171
Independent Financial Advisers
Service to locate an independent financial adviser close to where you live or work. About 9,000 IFAs are listed with their areas of expertise.
Tel: 0800 085 3250
Independent pensions advice. www.adviceonline.co.uk
Useful financial advice and information.
Tel: 0845 077 7085 www.moneyextra.com
A leading independent financial site in the UK, offering a range of money advice services. www.moneyfacts.co.uk
Site offering comparisons between a wide range of financial services products.