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Penny Cogher

Autumn Budget: Pensions

As widely expected, the Chancellor has confirmed plans to introduce a £2,000 cap on salary sacrifice for pension contributions from 2029....

26/11/25
Harriet Fletcher

A new case means good news for employers with a pension scheme surplus

Does the Inner Court of the Court of Session’s decision in the abrdn case open the door fully to pension scheme resulting trusts?  Penny...

27/09/23
Harriet Fletcher

Automatic Enrolment – extension of thresholds

Hot on the heels of Pension Awareness Week (11-15 September), new legislation abolishing the lower earnings limit for contributions and...

22/09/23
Penny Cogher

Are pensions for teachers about to change?

Penny Cogher, recently spoke to leading trade publication, Schools Week, about the plans of United Learnings, the country’s biggest...

23/07/24
Penny Cogher

Accessing pension scheme surplus: what's in the Consultation Paper?

On 23 February 2024, the Government launched a consultation on proposals to help well-funded DB schemes invest in assets that support...

15/03/24
Penny Cogher

Pensions Law - What’s on the Horizon for 2024? Part 2 - The General Election

In January this year, Martin Jenkins said 2024 would be a busy one for the Pensions industry Pensions Law: What’s on the horizon for...

24/05/24
Penny Cogher

I'm still standing - survivor benefits

The Equality Act 2010 (Amendment) Equal Treatment by Occupational Pension Schemes) Regulations 2023 affect occupational pension schemes...

04/12/23
Penny Cogher

Pensions Law Update October 2024

Penny Cogher and Harriet Fletcher explain recent pensions law developments: Lifetime Allowance: HMRC has confirmed, in Newsletter 162,...

10/10/24
Penny Cogher

Labour’s Pensions Review – The pension industry’s Big Bang: Phase 1 activated

On 20 July 2024, the Government announced a “landmark pensions review…to boost growth and make every part of Britain better off.”  Penny...

22/07/24
Penny Cogher

All change for the Lifetime Allowance from 6 April 2024?

Penny Cogher and Harriet Fletcher from Irwin Mitchell's Pensions team explain how the Finance Act 2024 affects pensions tax. Key points...

13/03/24
Penny Cogher

In the spotlight: Discretionary Increases

Penny Cogher and Harriet Fletcher from the Irwin Mitchell Pensions team explain why the BP Pension Scheme has recently featured in the...

24/01/24
Penny Cogher

Budget 2024: UK Defined Contribution Pension Changes

During his Budget speech today, the Chancellor followed up on the announcement he trailed over the weekend that UK Defined Contribution...

06/03/24
Penny Cogher

Surplus - can employers have their cake and eat it?

On 22 November, I gave my initial thoughts on the Chancellor's Autumn Statement. Here I take a closer look at what the announcement means...

04/12/23
Penny Cogher

Pensions quarterly update April - June 2023

Contracted-out schemes: validity of amendments  Recently, Virgin Media and the Trustees of the NTL Pension Plan asked the High Court to...

10/07/23
Joanne Moseley

The pension pay gap: what needs to change to give women parity with men?

The pensions gender pay gap in 2024 is alarming. According to a new report by NOW: Pensions women face significant disadvantages in terms...

09/02/24
Joanne Moseley

Pensions and furloughing - key issues for employers

Pensions expert, Penny Cogher takes a look at the issues employers need to be aware of when making pension contributions to furloughed...

08/04/20
Penny Cogher

The Chancellor’s Mansion House Speech 14 November 2024 – “the biggest set of reforms to the pensions market in decades”

Last night, 14 November 2024, the Chancellor delivered her Mansion House speech. Announcing bold action to tackle the fragmented pensions...

15/11/24
Penny Cogher

The Autumn Budget: view from a Pensions Law specialist

Good news - the Chancellor has kept to her word, with no change to the April 2024 pension tax reforms – the two new allowances LSA and...

30/10/24
Penny Cogher

Appeal dismissed - another fine mess: scheme amendments and section 37 certificates

“I think Bacon J came to the right conclusion in her impressive judgment and would dismiss the appeal.” Today, in one sentence, Nugee LJ...

25/07/24
Penny Cogher

The King’s Speech – All change for the rail industry, no change for pension schemes

In a short and focussed 12-minute speech, revealing the Labour Government’s plan to introduce forty bills over the next year, the King...

17/07/24
Penny Cogher

New case gives breathing room for pension schemes regarding the data protection risks of member correspondence

The High Court’s decision in Farley v Paymaster (1836) Ltd [2024] EWHC 383 (KB) has struck out the majority of claims brought by 474...

21/04/24
Penny Cogher

Budget 2024: impact on Pension Schemes

Yesterday I set out my initial post budget thoughts Budget 2024: UK Defined Contribution Pension Changes (irwinmitchell.com) Today, I am...

07/03/24
Harriet Fletcher

Pension scheme surpluses: The Mansion House Reforms

On 10 July 2023, the Chancellor, Jeremy Hunt, announced several initiatives, the so called “Mansion House Reforms” to help kickstart the...

08/09/23
Harriet Fletcher

How do you solve a problem like Accrual?

Final Salary Schemes: accruals, amendments, and member “interests” 17 years ago, on Saturday 29 July 2006, UK television viewers settled...

07/09/23
Joanne Moseley

Latest pensions guidance from The Pensions Regulator on auto-enrolment compliance and the coronavirus

Last week, our pensions expert, Penny Cogher looked at the key issues employers need to be aware of when making pension contributions to...

14/04/20
David Shirt

Update on the Pension Schemes Bill 2020

By  Penny Cogher, Pensions partner at Irwin Mitchell. Progress with the Pension Schemes Bill has been paused yet again following the...

27/08/20
Penny Cogher

TPO: Use IDRP before asking us to consider the complaint

New announcement from The Pensions Ombudsman (TPO) reinforces the need for individuals and schemes to engage with IDRPs seriously and...

03/07/24
David Shirt

TPR COVID-19: an update on reporting duties and enforcement activity

By Penny Cogher, Pensions partner at Irwin Mitchell. Reporting requirements for those running a pension scheme that were paused in...

27/08/20
David Shirt

Investment governance – ESG considerations for DC and DB Schemes

By Penny Cogher, Pensions partner at Irwin MItchell. From October 2020, pension trustees are required to provide further information...

27/08/20
David Shirt

The possible reform of Pension Tax this autumn

By Penny Cogher, Pensions partner at Irwin Mitchell. The reform of UK pension tax system is now a cause of perennial speculation each...

27/08/20