英国：政府公布引导退休方案拟设终身养老金默认选项 约1700万私营部门雇员受影响 咨询期至12月22日
英国政府11月3日公布养老金改革方案，可能让约1700万私营部门雇员获得一份可提供终身退休收入的默认养老金选项，是近年来职场退休福利最重要的拟议变革之一。方案名为「引导退休」（Guided Retirement），由养老金大臣 Torsten Bell 在英国保险人协会长期储蓄会议上宣布，英国工作与养老金部已就此开启咨询，回应期至2026年12月22日。
按方案，职场养老金提供商将被要求提供一个默认的退休收入选项，而非让储蓄者独自作出复杂的财务决定。工作与养老金部称，改革可望恢复近三十年来在私营部门大体消失的确定收益型养老金曾提供的部分财务安全感。
该宣布并不立即改变现有养老金支付，不会自动把雇员转入新安排，也不要求临近退休者现在就进入终身收入安排。咨询文件列出了指示性的实施时间表，最终形态将取决于咨询结果与后续立法。
（来源：英国工作与养老金部）
United Kingdom: Government Unveils Guided Retirement Plan for a Default Lifetime Pension Option Affecting About 17 Million Private-Sector Workers, With Consultation to December 22
The UK government has unveiled a major pension reform plan that could give approximately 17 million private-sector workers access to a default pension providing income throughout retirement, in one of the most significant proposed changes to workplace retirement benefits in recent years. The proposals, known as Guided Retirement, were announced on November 3 by Pensions Minister Torsten Bell at the Association of British Insurers' Long-Term Savings Conference, and the Department for Work and Pensions has opened a consultation, with responses accepted until December 22, 2026.
Under the proposals, workplace pension providers would be required to offer a default retirement income option rather than leaving savers to make complicated financial decisions independently. The Department for Work and Pensions says the changes could help restore some of the financial security traditionally associated with defined benefit pensions, which have largely disappeared from the private sector over the past three decades.
The announcement does not immediately change existing pension payments, does not automatically transfer workers into a new scheme, and does not require people approaching retirement today to enter a lifetime-income arrangement. The consultation includes indicative implementation dates, and the final shape of the reform will depend on consultation responses and subsequent legislation.
来源：英国工作与养老金部
发布：GSM·美国（发布链接）
图片来源：照片：伦敦威斯敏斯特托特希尔街（资料图），Ben Brooksbank 摄，Wikimedia Commons，CC BY-SA 2.0 授权 / Photo: Tothill Street in Westminster, London (file photo), by Ben Brooksbank, Wikimedia Commons, CC BY-SA 2.0
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