The pensions minister has unveiled a major communications drive to broaden the public's understanding of the state pension to be introduced next April.
Under the tagline Our state pension is changing the campaign is aimed at helping people to find out how it affects them, based on their own national insurance (NI) record.
Baroness Ros Altmann (pictured) said in a statement: "Huge efforts have been put into reforming the mind-blowingly complicated State Pension system that exists today into something that, over time, will be clearer and fairer for everybody.
"But the job of explaining to people how the reforms will affect them hasn't been done well enough.
"People need to understand, so they can make the right decisions about saving and preparing for later life. One of my first actions on becoming pensions minister was to identify this priority, and I'm very pleased to now be launching this major campaign."
The advertisements particularly target people within 10 years of reaching state pension age, a group which also has access to the April pension freedoms.
Anyone aged 55 or over can apply for a personalised state pension statement that will give them an estimate of what they will get under the new system. This will be based on their work history and (NI) contributions to date. The statements have recently been updated to include information on the contracted out deduction that may have been made.
The statements also give additional information about how people may be able to improve their State Pension before they reach State Pension age.
Barnett Waddingham senior consultant Malcolm McLean welcomed the government's campaign. He said it should help put right some of the misconceptions about the changes to state pension provision and how they interact with private pension saving.
"It is critically important that today's workers understand how the new state pension will fit into their retirement plans so that they can indeed make the right decisions about saving and preparing for later life. Of particular concern are those people within 10 years of reaching State Pension age, a group which also has access to new freedoms to spend private pension savings flexibly. Many of these people may want to base decisions about whether or not to draw down their private pension savings on their likely State Pension amount.
"Although the new pension will undoubtedly be simpler and easier to understand over the long term, the transitional arrangements for the changeover from the old system to the new are horrendously complex and not understood by many."
He said the efforts by Department for Work and Pensions to explain how previous accrued rights to the state second pension and past periods of contracted out discounts are taken into account have "fallen well short of the mark".
"This together with very misleading statements about a new 'flat-rate' pension, which for the majority of people will be anything but, have added to the confusion and raised expectations which are unlikely to be met," he added.
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