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Britain's Pensions CrisisHistory and Policy$
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Hugh Pemberton, Pat Thane, and Noel Whiteside

Print publication date: 2006

Print ISBN-13: 9780197263853

Published to British Academy Scholarship Online: January 2012

DOI: 10.5871/bacad/9780197263853.001.0001

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How to Address Gender Inequality in British Pensions

How to Address Gender Inequality in British Pensions

(p.112) 7. How to Address Gender Inequality in British Pensions
Britain's Pensions Crisis

Patricia Hollis

British Academy

Pensions have been constructed by men in full-time work for other men in full-time work; but most pensioners are women. The basic state pension (BSP) still assumes that women will derive their state pensions as dependants of their husbands. And modern occupational pensions (OP) still assume that women will derive private pensions from full-time work and full-time saving continued without interruption over forty years. Neither the model of the BSP nor of the OP fits the world women inhabit. Women are so at risk of poverty in retirement due to three main factors: fluid family forms, flexible labour markets, and increased longevity. Barely 20 per cent of women enter retirement with a full national insurance pension in their own right.

Keywords:   women, pensions, basic state pension, occupational pensions, poverty, retirement, family, labour markets, longevity, national insurance pension

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