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Our popular agony uncle Steve Webb has celebrated the publication of his 400th pension column for This is Money.


He marked the occasion with a 'behind the scenes' tour and offered some valuable tips on how to get your question answered.


The former Pensions Minister also revealed some
of the lessons This is Money readers could teach his successors in the
post he held for five years.

'I think it should be compulsory for every Pensions Minister to read
through my This is Money inbox every week to get a better
understanding of the aspects of the pension system which confuse, anger and frustrate people,' he says.


'The messages I receive from readers give me a great insight into
what is on the mind of the public.'

Anxiety about changes an incoming Government might make was a common theme during the election campaign in the summer and through the rest of the year.






Annual Christmas treat: Steve Webb's best pension columns of 2024

Steve received many questions from people wanting his take on unfolding events, especially after the Budget announcement that pensions would become
liable for inheritance tax from 2027.

We have selected some of his best columns of 2024 below. Meanwhile,
if you have something you would like to ask Steve, scroll down to find out how to send in your own pension question.

1. Can married couples still inherit pension pots tax-free after the Budget changes?


This was top of mind for many people after the Budget, but Steve reassured readers that transfers of
pensions and other assets to a surviving spouse
will remain free of inheritance tax.

That exemption is going to stay, and the main thing changing from April 2027
is you will have to include certain pensions when working out the value of an estate for inheritance tax purposes, he explained.


'This primarily includes what the Government calls "unspent" balances in defined contribution pensions, as
well as certain lump sum death benefits in either defined benefit or defined contribution pensions.'

Steve expressed concern that in terms of the practicalities, the new
system will be much more involved for grieving families.


Between now and spring 2027, the Government will have to work out the details of
how the new process will be administered, and this is likely to
be a topic of future columns.

2. Can you help me find a long lost pension?
Steve went on a detective hunt spanning multiple pension providers, administrators and even continents to find a reader's fund worth thousands of
pounds that was accumulated in the mid-1980s.


The trail went completely cold at one point. But over two separate columns, he shared the ups
and downs of his ultimately successful mission in order to show people how
to track down their own missing pensions.

Steve also wrote a longer free guide to finding lost pensions
published by LCP, where he is a partner.

3. I'm on Universal Credit - will my private pension payments be
taken into account?
Anyone on tax credits - whether Working Tax Credit or Universal Credit - should have payments into pensions knocked
off their income when their benefit is worked out, says Steve.


Since publication of this column, and a subsequent story about thousands
of people potentially being underpaid Universal Credit, we
have heard from a stream of readers who are not having benefits calculated correctly.


'If you have been told that no account can be taken of your personal pension contributions this is incorrect and you should appeal against this decision,' says Steve, who is continuing to investigate.


4. I paid NI for 45 years but £20 a week will be
knocked off my state pension because I 'contracted out'
Steve reckons state pension deductions due to past periods of 'contracting out' from some
National Insurance payments is the most frequent topic of questions to his inbox.


You are meant to get a private pension instead, as he explains in this column.
Later in the year, he also looked at the mysterious 'COPE' figure, which used to appear on state pension forecasts to explain these state pension deductions.


'This figure was meant to be a signal to people that something had
been knocked off their state pension because of past contracting
out but they should be getting a similar figure instead from a workplace pension.'



STEVE WEBB ANSWERS YOUR PENSION QUESTIONS

We've been caught by the Child Benefit state pension trap - should we buy more years?


Should we insist pension tax relief is used to invest in UK companies?


If I start taking my NHS pension at 60 will it affect Universal Credit payments?


Should we get employers to split pension contributions 50/50 between couples?


Can married couples inherit pension pots
tax-free after the Budget changes?

I'm 66 in April 2026 so how long will I have to wait for my state pension?

Do Waspi women have to register to get compensation? STEVE WEBB warns against scam websites

What is 'COPE' and why has it vanished from state pension statements?


I put £750 a month in a pension for my son - how does tax relief work?


I'm 83 and disabled, so why don't I get help with energy bills?
STEVE WEBB flags little-known pension credit boost

       

However, the COPE figure just caused further confusion, and has been scrapped from forecasts.
It is unmourned by Steve, who says: 'I, for one, am pleased to see
the quiet death of the COPE.'

5. How will minimum private pension age rise to 57 affect me?

The 'normal minimum pension age' for private retirement funds
is going to rise from 55 to 57 overnight on 6 April
2028.

A reader asked Steve what the rule change would mean for
people like him who were born in a certain two-year window
in the 1970s.

'Anyone born between 6th April 1971 and 5th April 1973 will find that they have a period when they can access their pension at 55, but this will then be
switched off for a period of up to two years until
they reach the age of 57,' says Steve.

He suggests people planning to draw on a private pension and who
might be affected check the rules of their scheme
on this issue, which is going to become much bigger news in the next few years.



6. DWP told me I can't inherit state pension because my late husband died too
young!
After a story about widows and widowers potentially missing out on inherited state pension, we received a deluge of messages from readers.


Steve was concerned to hear that many had been given incorrect information on the phone by
Department for Work and Pensions staff.

He therefore devoted a column to 'mythbusting', to debunk a
few of the things bereaved people were being told about what state pension they
might inherit.

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