Research and analysis

A simpler state pension: a qualitative study to explore 1 option for reform (RR787)

Findings from qualitative research to explore perceptions of whether the proposed single tier system is simpler and fairer than the current system.

Documents

Summary of report

Request an accessible format.
If you use assistive technology (such as a screen reader) and need a version of this document in a more accessible format, please email accessible.formats@dwp.gov.uk. Please tell us what format you need. It will help us if you say what assistive technology you use.

Full report

Request an accessible format.
If you use assistive technology (such as a screen reader) and need a version of this document in a more accessible format, please email accessible.formats@dwp.gov.uk. Please tell us what format you need. It will help us if you say what assistive technology you use.

Details

We commissioned TNS-BMRB and the Futures Company to undertake qualitative research to explore perceptions of a single tier state pension system.

The specific aims of the research were to explore:

  • whether the single-tier system was considered to be fairer and/or simpler than the current system and whether it offered certainty with regard to the amount of entitlement
  • how the single tier might impact people’s planning and saving for retirement
  • how reactions to the above might inform future communications

Fieldwork took place between January and October 2011 and was conducted in 4 stages.

This research is qualitative, but the findings complement other related research. For example, the 2012 Attitudes to Pensions survey, based on a sample of 1,949 adults in Great Britain, also showed that the current state pension system discourages saving and is too complicated. Findings from this show that 42% of respondents agree that income top-up discourages saving for retirement. Nearly two thirds (63%) of respondents felt that ‘sometimes pensions seems so complicated that I cannot really understand the best thing to do’.

The research informed policy development for the Single-Tier White Paper, published on 14 January 2013. The research also informed illustrations for the white paper, to make complex concepts more easily understandable.

Published 11 January 2013