This work provides a layperson's guide to the complexities of pension provision and the options avalible. Sue Ward's advice is intended to give any individual the advantage of being informed about the choices open to them. The contents include: the state pensions scheme; the different types of pension schemes (run by the employer, personal, stakeholder); contracting out of SERPs and the S2Ps; the legal rules; changing the scheme; negotiating the package; information for members; the role of the trustees; what happens ot the money; safeguarding the benefits; and what to do if things go wrong.

Sue Ward is a recognized authority on pensions issues. She is a former Pensions Officer with the TUC and the GMB trade union. For the past 20 years she has written widely on the subject and is a regular contributor to the national and specialist press as well as an author of several books. A former member of the Board of the Occupational Pensions Regulatory Authority (OPRA), Sue regularly undertakes training work and seminars on pensions for various organizations, including trade unions. The Trades Union Congress (TUC) exists to make the working world a better place for everyone. They bring together more than 5.5 million working people who make up their 48 member unions. The TUC support unions to grow and thrive, and they stand up for everyone who works for a living.