There is an £83,000 difference between the typical pension savings of people with disabilities and the average pension pot, a report says.
Pension savers with disabilities typically have savings worth only around a third of the average pot as they approach retirement, 研究が発見した.
人 老いた 60 に 64 with a disability have £47,980 saved on average, according to research by the Pensions Policy Institute.
This is only around 36% of the average UK pension pot size of £130,928 – a difference of nearly £83,000.
The research was commissioned by pension provider NOW: Pensions, which said there are just over four million disabled workers in the UK and many are in low-paying or part-time jobs.
The high prevalence of part-time work among disabled workers means many are excluded from workplace pensions as they do not earn a minimum of £10,000 in a single job – the earnings “trigger” for automatic enrolment.
Joanne Segars, chair of trustees at NOW: Pensions, 前記: “We want to make pension saving fairer for everybody in the UK and our policy proposal to remove the £10,000 earnings threshold would help get a further 500,000 disabled people saving for their retirement.”
A 政府 広報担当者は言った: “The number of disabled people in employment has increased by 1.3 million since 2017 and over the next three years we will invest £1.3 billion in employment support for disabled people and people with health conditions.
“Alongside this, automatic enrolment has helped millions more people save into a pension, with participation among eligible people with a disability rising from 53% に 2012/13 に 88% に 2019/20.
“Our plans to remove the lower earnings limit for contributions and to reduce the eligible age of being automatically enrolled to 18 in the mid-2020s will enable even more people to save more and start saving earlier.”