From far-reaching reforms to customer vulnerability, we’ve brought together research papers from Just and external experts to help support your understanding of the retirement income market, and the challenges those operating in it face.

Missed connection? Research shows untapped demand for professional advice on later-life care

Only one in nine (11%) over‑45s who have helped organise later-life care for an elderly relative were supported by a professional financial adviser, leaving many families to navigate complex financial decisions alone. But despite low use of advice, new research by retirement specialist Just Group highlights the significant proportion who would welcome a referral to a financial adviser if they were considering their own options for care in old age. Click here to find out more. 

Older retirees have most to lose by falling into the best/worst income gap, Just Group analysis reveals

Retirees waiting until later in life to buy a Guaranteed Income for Life (GIfL) solution risk missing out on thousands of pounds extra by failing to shop around for the best deal. The gap between the most and least competitive provider of Guaranteed Income for Life rises from about 10% at age 65 to nearly 18% at age 75, new analysis by retirement specialist Just Group shows. Click here to find out more. 

Sandwich generation carers losing over £6,000 a year to support elderly relatives as they cut back on working hours

New research from the retirement specialist Just Group on the lives of people aged 45-75 providing care for an elderly relative uncovers the significant loss of income that carers face in order to carry out these duties. Click here to find out more. 

More than 1.2 million retired households are largely reliant on the State Pension

ONS data finds that approximately 740,000 single retirees and 500,000 retired two adult households are “mainly reliant on State Pensions and not economically active”. Click here to find out more. 

Property wealth makes up 47% of IHT-paying estates in London, FOI reveals

An HMRC Freedom of Information request from retirement specialist Just Group reveals that property makes up nearly half (47%) of the wealth in estates paying Inheritance Tax (IHT) in London, with the majority of regions being around a third and above. Click here to find out more. 

Seven in 10 pensioner homeowners entitled to benefits are failing to claim, missing out on an average of £1,339 extra income a year

Cash-strapped pensioner homeowners are missing out on thousands of pounds a year of extra income by failing to claim their full entitlement to State cash. Click here to find out more. 

Heading for a care cost shock? Six in 10 over-45s underestimate cost of self-funding a care home place by thousands

60% of over-45s think the average cost of a year’s stay in a residential care home is less than £60,000 compared to industry figures suggesting actual cost of £66,500. More than one in four (28%) underestimate the true cost by more than half. New findings reinforce need for Government to encourage more planning for later life care. Click here to find out more. 

Lower income retired households receive up to £7,754 a year less in benefits than better off retirees

Retired households with the lowest incomes received between £95 and £149 per week less in cash benefits than higher income households. Click here to learn more. 

Just Group Care Report 2025: Social care reform - stuck in the waiting room

Our latest Care Report: Social Care – Stuck in the Waiting Room uncovers what people in the UK aged 45+ think about social care and the challenges faced by those who rely on it. Find out what they have to say here.