ࡱ> fhcde 'nbjbjVV k<<C_) ) ) T} } } !)"} ####$'(T(,Ov) ))Y'^'))))#$:***))#^8$*))**}y6 h$@C} *4|F̀0z|ň*ňhň) h$*))))))*))))))))))))))ň)))))))))))))))))) :   Newsletter East Midlands Retired Members Branch No.10 - February 2012   1. 6th March 2012 branch meeting Room N41, Newton Building, Nottingham Trent University, Goldsmith St, Nottingham. Speaker: Sally Ruane, De Montfort University. Sally will talk about The projected changes in the NHS. For your diary - May branch meeting Tuesday 22nd May 2012 The Gothic Warehouse, Mill Lane, Cromford Speaker: Sandra Barker from Age UK Derby and Derbyshire. Age UK is the new name for Age Concern. Sandra gave us a most interesting talk earlier this year so we have invited her back to give us a further update on Care for the Elderly. Note: All meetings are 11.00 - 1.00 p.m. tea/coffee provided with a place for lunch afterwards. Put the dates in your diary.  2. Rejection of Government offer on TPS On Friday 20 January, the national executive committee (NEC) of 51 voted to reject the government's reforms of the Teachers' Pension Scheme (TPS). A day of national strike action on 1 March was agreed as a way of involving other unions. The NEC will reconvene on 10 February to consider a report from the general secretary on her discussions with other unions and feedback from branches on the union's position to finalise decisions. The rejection was not surprising. The offer represents a considerable worsening of the existing provision. ( Teachers retirement age the same as the state pension age, but with lower deductions for those who retire early. Lecturers with only 10 years, or less, left in service will be excluded from the change in the retirement age and from the shift from the final salary (FS) element. The consequent rise in working age to eventually 68 will cause innumerable breakdowns for lecturers. ( Pension based on career-average salary with an accrual rate of 1/57. This is far less generous than the normal transition figure from FS of 1/60 to CARE of 1/47. ( The revaluation factor for accruals is to be consumer price index (CPI) plus 1.6% (Note:In aCARE scheme a proportion of actual salary in a year, which looks as if it will be 1/57 for TPS, is put toward the pension. This is an accrual.To take some notice of the effect of inflation it is revalued). According to the report commissioned by 51 from First Actuarial, 65% of our current TPS membership, those who would not be exempt from any of the changes, would lose between 9% and 25% of their pension benefits. This is without even taking into consideration the rises in employee contribution rates due in Apr 2012, the change of indexation for pensions in payment of RPI to CPI, the further move of the retirement age in line with the State Retirement Age. ( The move from an RPI to a CPI inflator for pensions being paid might impose a cut of up to 25%. See IFS report which only deals with the move to CARE and consequently underestimates where the worsening takes place - (Latest pension reforms unlikely to save money over longer term Carl Emmerson and Wenchao Jin 31.1.12): By contrast the move from RPI to CPI indexation of public service pensions, introduced by this government in the October 2010 Spending Review, substantially reduces expected costs and generosity. ( The move to increase in members contributions and decrease in employers contributions (which pave the way for further privatisation) is at a cost to most members of between 28 and 100 per month off take-home pay (i.e. a pay cut). Employers contributions to be capped so all further increases in expense will fall on the employee. A fuller and very useful analysis has been produced by Steve Cushion of the London Retired Members Branch at  HYPERLINK "http://www.ucu-retired-london.org.uk/pdf/pension-report.pdf" http://www.ucu-retired-london.org.uk/pdf/pension-report.pdf Julian Atkinson  3. Proposed TPS rates The following increases for those paying into the TPS will operate from April. The Department for Education has issued a consultation document on its proposed employee contribution increase from April 2012. The proposed employee contribution and increase from the current 6.4 per cent is given in the table below: Lower SalaryHigher SalaryContribution rate in 2012-13Increase (over 6.4%)14,9996.4%0%15,00025,9997.0%0.6%26,00031,9997.3%0.9%32,00039,9997.6%1.2%40,00074,9998.0%1.6%75,000111,9998.4%2.0%112,000 8.8%2.4% The contributions will rise and by 2014-15 will be as follows: Lower SalaryHigher SalaryContribution rate in 2014-15Increase (over 6.4%)14,9996.4%015,00025,9997.9%1.5%26,00031,9998.7%2.3%32,00039,9999.4%3%40,00074,99910.4%4%75,000111,99911.4%5%112,00012.4%6% 4. November 30th day of action and strike to defend our occupational pensions a huge success ! Over two million public sector employees from 39 Trade Unions in the public sector were on strike, picketing and getting involved with local actions. Tens of thousands of 51 members picketed their work place and joined marches and rallies all over the country. In many towns and cities it was the largest demonstration in for decades. In the East Midlands all universities and colleges were picketed by members in the morning and most then joining marches and rallies in each major centre. 51 retired members joined in regional rallies with the branch banner on the march and rally in Nottingham. This day of action was also important for retired members directly since the actionopposes the lowering of indexation of the pension from RPI to CPI. The Government has also been keen to introduce a 5% limit to the annual inflation increase. Members gave full support. Some of the trade union have never been on strike before and for large numbers of union members it was their first ever strike and demonstration. Our union has had the largest of new members joining to be able to join the day of action. Nottingham The weather was on our side with a lovely sunny day. A huge march of over 8000 took place from Forest Fields down Mansfield Road into the city to rally in the Albert Hall. 51 retired members joined the East Midlands Retired Members Branch banner. Leicester Over 5000 trade unionists marched in Leicester to a packed rally. Other rallies and marches took place in Derby, Lincoln, Chesterfield and Northampton.  East Midlands 51 retired member branch banner on the Nottingham rally carried by Treasurer Brian Hambidge, Secretary Julian Atkinson and President Angus McLardy. Photo by Helen Chester  5. USS update A special delegate conference of 51 was held in London on 31st January (pre-92 HE Branches) to consider the report from 51 negotiators and to decide on whether to suspend our industrial action during the talks currently in progress. The employers have made suspension of the industrial action a pre-requisite not only for continuing the talks, but of their offer to move forward the redundancy provision to October 2014. If 51 refused to suspend the action, then the employers would take all offers off the table and withdraw from talks. The 51 negotiators recommendation was to suspend the current work-to-contract in return for the employers' agreement to: ( a joint review of the decision to abolish the right of staff age 55 or over to take an unreduced pension and, rather than end in October 2013 as originally imposed, this entitlement will now continue to at least October 2014 to allow the review to conclude. ( a joint review of the USS CARE scheme imposed on new starters last year, to include a comparison of benefits to those in other public sector pension schemes such as the Teachers Pension Scheme. This review will examine issues raised by 51 such as accrual rates, inflation capping and revaluation. The meeting considered a number of motions and positions during a full and frank debate on the best tactics for progressing our dispute. After all motions had been debated a vote was taken and, by a considerable margin, 51 delegates backed the recommendation of their national negotiators and agreed to suspend the current work-to-contract. Delegates reflected members' clear view that they were prepared to resume industrial action when and if necessary. Therefore, conference agreed that 51 Branches should continue to agree local escalation plans in case the negotiations do not deliver acceptable options. Branches were also critical of the role of the independent chair of USS, Andrew Cubie, and suggested that be removed as independent chair of the working group. The work to rule which has been underway for over some 120 days in HEIs has been causing difficulties for employers. The work to rule has involved members: working no more than their contracted hours where those hours are expressly stated, and in any event not to exceed the maximum number of hours per week stipulated in the Working Time Regulations, not performing additional voluntary duties, such as out of hours cover, or covering for colleagues (unless such cover is contractually required), not undertaking duties in breach of health and safety policies or other significant employers policies, not setting and marking work beyond that work which they are contractually obliged to set and/or mark, not attending meetings where such attendance is voluntary on the part of the member Russ Bowman  6. Indexation of pensions CPI lawful! The Hutton Review of Public Sector Pensions (PSP) calculated that the impact of the change of indexation from RPI to CPI would give a 15% cut in pension. This is a gross underestimate. The study by Ruth Miller (The long run difference between RPI and CPI inflation, Office for Budget Responsibility November 2011) paints a very different picture. From 1989 to 2011, the RPI tended to be around 0.7% higher than CPI as an average. But this conceals a steady rise in the differential: 0.5% in 2009, 0.8% in 2010 and 1.0% in 2011. These changes are due to the formula effect i.e. the different way in which the two indices aggregate the various changes of the basket of prices being measured. Section 3.10 of the study calculates the long-run difference between RPI and CPI inflation is around 1.4 percentage points. In the current negotiations around the Teachers Pension Scheme the proposed revaluation of the accrual of serving scheme members is CPI + 1.6%, which might suggest that the Treasury thinks that the OBR differential is conservative. Whatever the figure turns out to be, the cut in pension will be more than Huttons 15%. The lowest new calculation comes from Tom McPhail head of pensions research at Hargreaves Lansdown who argues the cut is now 18% (Professional Pensions, 2nd Dec 2011). The private pension providers are not anxious to spell out how big the raid of PSPs by the Government is. It is likely to be well above that figure. Two sets of unions sought Judicial Review of the change in indexation of PSPs; one group around the GMB and the Civil Service Pensions Association and the other group lead by the PCS and NAS. There were arguments against such a course: the Judiciary have no track record of supporting union causes; the recourse to law in effect parked the issue of indexation during the current negotiations about the future of PSPs. The Review centred around the following: ( Was CPI an index which the Secretary of State was entitled to adopt? ( Had the Secretary of State erred in law in having regard to economic considerations, when considering the switch to the CPI index? ( Had there been a breach of a legitimate expectation? ( Had there been a breach of the public sector sex equality duty? The three judges turned down all of these arguments but were split on point 2. Mr Justice McCombe, alone, accepted the claimants submission that on any fair reading of the evidence, the need for deficit reduction was the driver for the change in index, and the other merits of the CPI were essentially deployed in order publicly to justify the switch. The CPSA has decided to proceed to appeal against the first two points of the High Court judgement and are doing so in conjunction with FDA, GMB, Prospect and NUT. The other group of unions who sought judicial review at the same time have decided to appeal only on the second point Julian Atkinson  7. 51 Retired Members Branch The branch is now fully underway with over 500 members. The aims are diverse, but include bringing together retired members of 51 in the East Midlands, giving advice to branches on pension and retired members matters, campaigning on issues relating to retired members and representation to the 51 national congress, National Pensioners Convention, Local TUCs. If you previously worked outside the East Midlands, but lived or now live in the East Midlands please join our branch. Meetings: We hold meetings some three times a year, in places of interest to make part of a day and lunch out. The meetings centre round important issues for 51 pensioners and give a chance to chat to other retired members. Newsletter: A termly newsletter with useful articles for retired 51 members is sent to all branch members for whom we have email addresses and to 51 branch secretaries in the East Midlands Because of the cost of postage other members will be contacted less often. Email addresses: We encourage retired members to use their home email for when you give up your work email address. Please let us have your email address and also changes to your email address  SHAPE \* MERGEFORMAT  8. The benefits of old age The present raising of state pension age (SPA), and the attempts to link normal pension age (NPA) for public sector pensions (PSPs) to that change, pose significant problems for our younger working colleagues. The SPA is expected to rise to 68 by 2027. (Professional Pensions 4.11.11) and a further rise to 70 has been mooted. The Marmot Review on health found that around three quarters suffer disability by the age of 68. There will be many for whom working beyond 60 let alone 65 will not be a possibility. The options will be either to see a pension , already reduced by the Government raid on PSPs, further slashed by actuarial reduction or being pushed into the benefits system. The 51 has not traditionally looked closely at the benefits system. This has to change. Labour introduced in 2008 the Employment Support Allowance (ESA) for new claimants and to eventually replace the Incapacity Benefit (IB). John Hutton, later Lord Hutton of PSP infamy, aimed to cut the number those benefitting by one million. Claimants who were very severely disabled would be placed in the Support group, a lower rate of benefit would be paid to the Work Related Activity Group who would be expected to return to work after being on the benefit ,but only for one year if the Government now gets its way. The rest would be relegated to Job Seekers Allowance and a whacking maximum of 67.50 per week for a single person over 25. but, in a telling argument for misanthropy, only 105.95 for a couple.. The sifting of wheat from chaff would be done by a Work Capability Assessment (WCA) and carried out by Atos Healthcare. The contract states that 11% of new customers will fall into the support group. Atos Healthcare MUST base their solutions and costs on this projection. (Contract between the DWP and Atos Healthcare section 2.2.2. Appendix 8). By late 2008 Atos had succeeded beyond expectation. Only between 9-10% were put into the support group and 67% were put onto JSA and declared fit to work. Surely senior executives deserved a bonus. These glory days are remembered with advantages by the popular press: The shirking classes: Just 1 in 14 incapacity claimants is unfit to work (Daily Mail 27 July 2011). Grossly disabled people were declared fit to work but around 40% of those appealing were successful. The WCA has been modified after a series of scandals and a campaign by disability groups. Now 16% (May 2011) are put in the Support group and not expected to seek work. However attempts to time limit the Work Related Activity Group continue and a target of forcing two million of the 2.6 million on incapacity benefit into jobs was confirmed in an interview with Chris Grayling the Employment Minister Daily Telegraph 25 January 2012. To paraphrase Mrs Beaton: First catch your job. The impact of the rise in NPA on our younger colleagues is clear. Actuarial reduction will cut their pensions if they leave early. Early retirement on ill health becomes a disappearing rarity. It is not whether you can any longer do your job but any job. A little light shelf stacking at Asda, Sir and Madame? Failing that, it is the tender mercies of Atos. Benefits have become a pressing union issue. Julian Atkinson  9. Defending Womens education 51 Women Members Conference 2011 I attended this conference in London on November 4th and found it very interesting and informative. It was very encouraging to hear the impressive women speakers and union activists giving information, expressing opinions and debating important issues. Opening the conference, Sally Hunt emphasised the importance of union pressure in fighting government cuts and highlighted a Fawcett Society analysis of the ways in which women will be badly affected. She encouraged us all to take part in the action then due on Nov 30th. Kat Barnard of UK Feminista reminded us of continuing inequality and the way in which cultural influences such as trivialising images of women and entrenchment of traditional roles can lead to women being taken less seriously in general and by government. Estelle Hart (NUS Womens Officer) gave us examples of cuts in courses studied and taught by women, rising fees and routes into employment and bade us remember the transformative effect of education for women, suggesting that the dangerous, conservative core of this government is attacking the most vulnerable. A workshop on Womens Security in Retirement with Geraldine Egan and Monica Golliger provided interesting historical insights into the ethos of the Poor Laws and attitudes to The Deserving Poor leading to the gradual development of the pension systems of today. It was salutatory to realize that many of us have lived through aspects of this such as married womens reduced contributions, giving up work altogether no maternity leave, and withdrawing our pension money to pay for washing machines and prams!! They also pointed out that although pensions are a long term issue in the real world, politicians and governments take short term views. Other subjects raised provided food for thought and lots of lively discussion such as: the exploitation of teachers goodwill in supporting the curriculum, the need to think creatively, Human Rights in relation to the Arab Spring and the onus on women to be more assertive when whole committees should own equality issues. Several motions were passed for sending to the National Executive Committee and it was felt that the Womens Section is having an influence on the union in general. I look forward to giving a fuller report at our next meeting when I will try to answer questions and consider a way forward for our own group. Rowena Dawson  10. NPC Women in Retirement The NPC (National Pensioners Convention) invites women to a special conference. 51 is affiliated to the NPC and 51 members are urged to attend. Saturday 24th March 11.00 a.m. to 3.30 p.m. Unison Centre, 24 Livery St, Birmingham 10.00 a.m. registration and tea/coffee Cost 5 including refreshments and buffet lunch Tel: 020 7383 0388 email: info@npcuk.org The NPC are holding the conference to bring together todays and tomorrows women pensioners on issues relating to women including womens pensions, politics of aging, the politics of care, campaigning. 11. Retirement income hits 5-year low This release has been taken from Which magazine. Note that if you compare this Prudential survey from Which with the analyses carried out by the Office of National Statistics on pensioner income inequalities, you might conclude that its sample is weighted heavily towards those who depend more on annuity/investment types of income, compared to occupational pensions. This may be why the drop in annual income is so marked, compared to the way the national median retirement income appears to have fared. Average 2012 incomes fall 16% compared with 2008. People retiring in 2012 expect to live on an average annual income of 15,500. That's over 1,000 a year less than those who retired in 2011, a drop of 6%. Key findings of the research from Prudential include: Those retiring in 2012 expect a retirement income of 15,500 Average incomes in retirement expected to be over 16% lower than in 2008. Those who retired in 2008 looked forward to a total annual income, including private, company and HYPERLINK "http://www.which.co.uk/money/retirement/guides/state-pension-explained/"state pensions, of approximately 18,600. Those retiring this year expect to receive 3,100 a year less. Regional variations are significant. While Londoners have the highest average expected incomes of 17,900, retirees in Yorkshire and Humberside have the lowest at 12,800. One in five expect to retire on less than 10,000 a year. Fewer than two in five (37%) expect a financially comfortable retirement. Men are more optimistic about their retirement than women, with 45% of men confident they will be financially comfortable compared with 31% of women. Nearly one in five (18%) of those planning to retire in 2012 have no idea of the level of income they will need in order to live comfortably. Pension investments and pensioner incomes under pressure. Which? finance expert Martyn Saville commented: 'It's unsurprising that those retiring this year are feeling vulnerable. Falls in the stock market over recent years may not only have knocked significant amounts off people's pension pots, but many will have locked in those losses through the life styling process.'Life styled pension schemes gradually move your pension fund into less risky investments as retirement approaches. Unfortunately, this can mean your pension fund sells equities just as they're at their lowest price, meaning you crystallize those losses. 'Low HYPERLINK "http://www.which.co.uk/money/retirement/guides/annuities-explained/"annuity rates have also pushed down retirement incomes for people in money-purchase schemes, while pensioner incomes are under pressure from inflation, particularly rising fuel and food bills. The medium-term picture is unlikely to improve significantly as tight household budgets make pension contributions unaffordable for many consumers. 'If you're coming up for retirement, speak to an Independent Financial Adviser (IFA) to make sure you get the most out of your fund when you come to convert it into an income.' This is of course if you have such a fund!? Many of the FE and HE Lecturers (ex and still at it) I know, dont have any top-up of their TP or USS.  Sign the e-petition There is an e-petition currently open on the subject of the switch from RPI to CPI which currently has over 71,000 signatures. The petition can be found at:  HYPERLINK "http://epetitions.direct.gov.uk/petitions/1535" http://epetitions.direct.gov.uk/petitions/1535 or  HYPERLINK "http://t.co/srqzwN5l" \o "http://t.co/srqzwN5l http://tiny.cc/gp8yh" \t "_blank" http://tiny.cc/gp8yh We urge you to sign it if you have not already done so. If 100,000 signatures can be reached before Christmas, we will be in a much stronger position to force a parliamentary debate.  More information on 51 National Website A lot more information and news can be obtained from the Unions national website. We recommend that you have a browse on the website.  HYPERLINK "http://www.ucu.org.uk/?CFID=38885&CFTOKEN=1325329" http://www.ucu.org.uk/?CFID=38885&CFTOKEN=1325329 Excellent article in the 51 online-magazine Steve Cushion, secretary of the London Region Retired Members Branch, has written a very informative article on the politics of pensions a must-read for every 51 pensioner. Lots of other interesting articles in this new online magazine.  HYPERLINK "http://uc.web.ucu.org.uk/2011/10/the-politics-of-pensions/" http://uc.web.ucu.org.uk/2011/10/the-politics-of-pensions/      PAGE  In this newsletter 1. March branch meeting 2. Rejection of Government offer on TPS 3. Proposed TPS rates 4. November 30th day of action and strike 5. USS update 6. Indexation of pensions 7. 51 retired members branch 8. The benefits of old age 9. Defending Womens education 10. NPC Women in retirement conference 11. Retirement income hits five-year low For more information please contact Julian Atkinson e-mail  HYPERLINK "mailto:jdatkinson34@btinternet.com" jdatkinson34@btinternet.com telephone: 01773 532105 East Midlands Branch officers and committee Chair: Angus McLardy  HYPERLINK "mailto:apmclardy@btinternet.com" apmclardy@btinternet.com Vice Chair: Ann Donlan ann@donlan.myzen.co.uk Secretary: Julian Atkinson  HYPERLINK "mailto:jdatkinson34@btinternet.com" jdatkinson34@btinternet.com Assistant Secretary: Dave Turton  HYPERLINK "mailto:davidofthehighpeak@hotmail.com" davidofthehighpeak@hotmail.com Treasurer: Brian Hambidge  HYPERLINK "mailto:brianhambidge@ntlworld.com" brianhambidge@ntlworld.com Womens officer: Rowena Dawson jeanrowena@hotmail.co.uk Membership and newsletter: Russ Bowman dorothy.russ.bowman@ntlworld.com East Midlands regional 51 committee representatives: Brian Hambidge, Russ Bowman Email addresses please! * Inform us changes to your email address * If you receive this newsletter by post, please inform us of your email address. We encourage retired members to use their home email for when you give up your work email address. We send out a quarterly newsletter by email but only an annual newsletter by post. 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