caa a22 4500 386395713 CHVBK 20180307112138.0 cr unu---uuuuu 161130e198910 xx s 000 0 eng 10.1017/S0047279400001860 doi S0047279400001860 pii (NATIONALLICENCE)cambridge-10.1017/S0047279400001860 The Occupational Pension Trap: Towards a Preliminary Empirical Specification [Elektronische Daten] Legislation in 1985 and 1986 has attempted to give new impetus to the growth of occupational and personal pension schemes. This article demonstrates that, because of the interaction between occupational pensions and means-tested social security provision, many of today's pensioners receive little or no financial benefit from their occupational pension. The evidence presented is consistent with the thesis that the pensioners who are worst affected by the ‘pension trap' include those who, as workers, were low-paid and experienced interrupted employment. As a consequence they reached retirement with small state and occupational pensions, limited savings and no house which they owned. Many are women. The penetration of occupational and personal pensions is currently lowest among the same groups of workers and it could be that the Government's policy to extend the coverage of private pensions will result in an increase in the severity of the pension trap. Some measures for reducing the impact of the pension trap are discussed. Copyright © Cambridge University Press 1989 Walker Robert Hardman Geoffrey Hutton Sandra Journal of Social Policy Cambridge University Press 18/4(1989-10), 575-593 0047-2794 18:4<575 1989 18 JSP https://doi.org/10.1017/S0047279400001860 text/html Onlinezugriff via DOI 1 brief-communication jats NATIONALLICENCE 856 40 https://doi.org/10.1017/S0047279400001860 text/html Onlinezugriff via DOI NATIONALLICENCE 700 1- Walker Robert NATIONALLICENCE 700 1- Hardman Geoffrey NATIONALLICENCE 700 1- Hutton Sandra NATIONALLICENCE 773 0- Journal of Social Policy Cambridge University Press 18/4(1989-10), 575-593 0047-2794 18:4<575 1989 18 JSP CC0 http://creativecommons.org/publicdomain/zero/1.0 nationallicence BK010053 XK010053 XK010000 NATIONALLICENCE NATIONALLICENCE NL-cambridge