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.

More retirees are shunning decumulation advice, latest FCA product sales figures show

Analysis of sales data by Just Group shows both the overall number and proportion of advised decumulation sales have fallen in the last five years. Retirement specialist says figures a concern given complexity of decisions and low take-up of free, impartial and independent guidance. Read this report to find out more.

Guaranteed lifetime income rates on the rise but gap between the best and worst deals grows to nearly 18%

18% income gap could deliver more than £500 a year extra for a 65-year-old with £50k pension. Latest analysis of market rates by Just Group reinforces importance of shopping around. Read this report to find out more.

One third of pensioner homeowners missing out on Pension Credit

One third of pensioner homeowners missing out on Pension Credit as Government’s Pension Credit Week of Action begins. Read this report to find out more.

Eligibility for NHS Countinuing Healthcare funding drops to new low

Eligibility for NHS Countinuing Healthcare funding drops to new low as applcaitons return  to pre-pandemic levels, NHS figures show. Read this report to find out more.

16% extra guaranteed lifetime income for retirees hunting out the best pension annuity deals

Analysis shows scale of ‘loyalty penalty’ for those failing to shop around for best deals. Read this report to find out more.

Majority of UK adults think spending power of the State Pension will be lower when they reach retirement

55% of UK adults expect State Pension value to fall before they retire. 45-54 age group least confident its value will be maintained but younger generations are more optimistic. Read this report to find out more.

“Too fast” plan to raise State Pension age has been shelved but not scrapped

Half of UK adults thought intention to raise State Pension Age to 68 was "too fast", rising to two-thirds of those aged 55 - 64. Retirement specialist Just Group says any relief at yesterday's announcement is tempered by ongoing uncertainty. Read this report to find out more.

Unlucky for some – 13-year freeze on means-test limits forcing more elderly into pay care costs

Limits would be 40% higher if they had been increased in line with inflation. Spring Budget speech silent on funding crisis in adult social care. Read this report to find out more.

Public awareness of “labyrinthine” NHS Continuing Healthcare still low – even though it can pay care costs in full

Nearly eight in 10 people know nothing about CHC which could save them thousands in care costs. Low awareness and complicated assessment process may mean many are missing out. Read this report to find out more.

Millions will be hit by acceleration of State Pension age

Chancellor could sign off accelerated State Pension age increase to 68 in next week’s Spring Statement. Increase is expected to be brought forward from the legislated period of 2044-2046 to 2037-2039, impacting around 5.8 million people. Further acceleration would see nearly a million people hit for each year the State Pension is delayed. Read this report to find out more.

Income-poor pensioners receive up to £5,723 a year less in benefits

Retired individuals with the smallest household incomes received between £82 and £110 per week less in cash benefits than higher income groups. Over three in five pensioner homeowners eligible for extra benefits (62%) are not claiming. Read this report to find out more.

Social Care – A decade in review

The Care Report 2022 is the tenth edition of a research series dating back to 2012 that sheds light on how the over-45s think and feel about later life social care.

People are interested in the debate about social care, but don’t know how the system works and are confused by government announcements on the subject. This report investigates the impacts on planning for care. Read this report to find out more.

Complexity of care reforms underline importance of financial advice 

New details about the government’s proposed reforms to funding adult social care are set to be positive for financial advisers able to help people plan for and navigate the complex care system. Read this report to find out more.

Over-45s more likely to maintain a ‘stiff upper lip’ than admit to financial vulnerability

Seven in 10 have found themselves in potentially financially vulnerable circumstances but only a minority told key organisations such as their employer, bank or utility company.

Read the report to find out more.