Levels of knowledge about state pension entitlements are "limited" and "incomplete" among those who will rely solely or mostly on the government for retirement income, according to a DWP report.
It says most people are aware they are entitled to a state pension, and that this can be topped up with other benefits, but found knowledge about other aspects of the benefit is loaded with misconceptions.
Many respondents to the DWP study believe the whole amount of state pension received is tiered and not paid to people who have not worked.
There is a belief if pensioners work in retirement, their state pension payments reduce, and that it is paid automatically on retirement. Some respondents believe the state pension age is still 60 for women and 65 for men.
Additionally, the DWP survey found many believe the state pension will not exist at all in future, and claim the benefit is already of little value.
The report also revealed a lack of trust in the government and private pension providers alike, many citing the collapse of Equitable Life as a reason.
The report notes many people find legal language and the presentation of complex numerical data intimidating, and this is what discourages them from finding out about their own pension entitlements.
It recommends explaining information about state pensions with simple benchmarks, rules of thumb and rough estimates of their entitlement as a way to ‘hook' people in to learning.
The report 'How best to present State Pension information and support retirement planning' was commissioned by the DWP and carried out by directors at The Futures Company.
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