You should think about this option carefully unless your pot is £10,000 or less, or you have more than one pot and only want to cash in one of them.
++ <% if appointment_50_54? %> + You would need to think carefully about this option unless your pot is £10,000 or less at the time, or you have other pots and only want to cash in one of them. + <% else %> + You should think about this option carefully unless your pot is £10,000 or less, or you have more than one pot and only want to cash in one of them. + <% end %> +
You need to be aware of ‘pension recycling’ tax laws if you plan to cash in one pot and pay into another.
Ask your provider if your pension has any special features or restrictions. This will help you to decide on an option. For example, you may have a guaranteed annuity rate. This could be better than annuities offered by other providers, meaning that a guaranteed income is your best option.
-Most people are entitled to the State Pension. If you’re not already claiming the State Pension, you can go to the GOV.UK website for information on how to apply for your State Pension statement. Contact the International Pension Centre on +44 191 218 7777 if you live abroad.
+<% if appointment_50_54? %> + +You can’t usually take your pension before you’re 55 except in some rare cases, eg if you have a serious illness or a ‘protected pension age’.
+<% end %> + ++ Most people are entitled to the State Pension. + <% if appointment_50_54? %> + To find out how much you may be entitled to you can go to the GOV.UK website and get a State Pension statement. + <% else %> + If you’re not already claiming the State Pension, you can go to the GOV.UK website for information on how to apply for your State Pension statement. + <% end %> + Contact the International Pension Centre on +44 191 218 7777 if you live abroad. +
<% if large_text? %><% end %>The Pension Wise website explains your pension options and how to make the best use of your money. Before you decide on a pension option go to pensionwise.gov.uk for detailed information about:
If you can’t use our website you can get pensions help from The Pensions Advisory Service or call Citizens Advice to find your nearest Pension Wise location (see ‘Further free and impartial guidance’).
diff --git a/assets/markup/options_overview.html.erb b/assets/markup/options_overview.html.erb index a1dfc1a..495ded9 100644 --- a/assets/markup/options_overview.html.erb +++ b/assets/markup/options_overview.html.erb @@ -3,9 +3,22 @@These are the options that are available now. They may have changed by the time you reach 55 and are able to take money from your pension pot.
+You may be able to take your pot sooner but only in rare cases, eg early retirement due to ill health.
+<% end %> +You don’t have to take money from your pot straight away. You can leave your money invested and take it when you’re ready. Your pot could grow further and give you a larger amount of money to last for a shorter amount of time. You may also have greater choice in the future if pension providers introduce new products.
++ <% if appointment_50_54? %> + You don’t have to take money from your pot as soon as you reach 55. + <% else %> + You don’t have to take money from your pot straight away. + <% end %> + You can leave your money invested and take it when you’re ready. Your pot could grow further and give you a larger amount of money to last for a shorter amount of time. You may also have greater choice in the future if pension providers introduce new products. +
This is an insurance policy you buy to give you a guaranteed income, normally for the rest of your life or for a fixed number of years. You can take up to 25% of your pot tax free before you buy an annuity. There are different types of annuities and it’s important you buy the right one for you.
diff --git a/assets/markup/supplementary_benefits.html.erb b/assets/markup/supplementary_benefits.html.erb index 09a9636..93c2ac3 100644 --- a/assets/markup/supplementary_benefits.html.erb +++ b/assets/markup/supplementary_benefits.html.erb @@ -4,21 +4,28 @@If you’re claiming benefits or planning to apply for means-tested benefits in the future, any income from your pension pot will be taken into account. This may affect your entitlement to some benefits or mean you get less money.
-The way money from your pension is assessed depends on whether you or your partner have reached the qualifying age for Pension Credit – use the State Pension calculator on GOV.UK to check when this is.
+<% if appointment_50_54? %> +If you or your partner take any money from your pension pot it will be your responsibility to tell The Department for Work and Pensions (DWP), HM Revenue and Customs (HMRC) or your local council.
-Money from your (or your partner’s) pot may affect your entitlement to benefits:
+If you deliberately spend or give away money (including tax-free cash) from your pot to get or increase benefits and help with care costs, DWP, HMRC or your local council may assess your finances again and treat you as still having that money.
+Your other assets (eg savings and investments) may also be added to income or cash taken from your pot when you’re assessed for benefits.
+<% else %> +The way money from your pension is assessed depends on whether you or your partner have reached the qualifying age for Pension Credit – use the State Pension calculator on GOV.UK to check when this is.
-Money from your (or your partner’s) pot may affect your entitlement to benefits:
-It’s your responsibility to tell The Department for Work and Pensions (DWP), HM Revenue and Customs (HMRC) or your local council if you or your partner take any money from your pension pot.
+If you deliberately spend or give away money (including tax-free cash) from your pot to get or increase benefits and help with care costs, DWP, HMRC or your local council may assess your finances again and treat you as still having that money.
+It’s your responsibility to tell The Department for Work and Pensions (DWP), HM Revenue and Customs (HMRC) or your local council if you or your partner take any money from your pension pot.
-Your other assets (eg savings and investments) may also be added to income or cash taken from your pot when you’re assessed for benefits.
+If you deliberately spend or give away money (including tax-free cash) from your pot to get or increase benefits and help with care costs, DWP, HMRC or your local council may assess your finances again and treat you as still having that money.
+ +Your other assets (eg savings and investments) may also be added to income or cash taken from your pot when you’re assessed for benefits.
+<% end %>For more information about benefits entitlement you can speak to Citizens Advice (see ‘Further free and impartial guidance’).
diff --git a/assets/markup/supplementary_debt.html.erb b/assets/markup/supplementary_debt.html.erb index 8fb8e20..16784b2 100644 --- a/assets/markup/supplementary_debt.html.erb +++ b/assets/markup/supplementary_debt.html.erb @@ -2,18 +2,24 @@You should think carefully about taking money from your pension pot to pay off debts. Money you take from your pot now could leave you with less to live on in the future.
-If you have an arrangement to pay your debts, creditors may be able to access some or all of the pension income or lump sums you take.
+<% if appointment_50_54? %> +When you’re able to take money from your pension pot, you should think carefully before using it to pay off any debts or mortgage. Money you take from your pot could leave you with less to live on in the future.
+If you have an arrangement to pay your debts at the time you take your pension, creditors may be able to access some or all of the pension income or lump sums you take.
+<% else %> +You should think carefully about taking money from your pension pot to pay off debts. Money you take from your pot now could leave you with less to live on in the future.
-This includes money or income from:
+If you have an arrangement to pay your debts, creditors may be able to access some or all of the pension income or lump sums you take.
-This includes money or income from:
+ +Find out the status of any debt arrangement you have before choosing a pension option.
diff --git a/assets/markup/supplementary_ill_health.html.erb b/assets/markup/supplementary_ill_health.html.erb index 8662ff5..4303b6e 100644 --- a/assets/markup/supplementary_ill_health.html.erb +++ b/assets/markup/supplementary_ill_health.html.erb @@ -2,14 +2,23 @@You may be able to take your pension pot early if you’re under 55 and you have ill health. Each pension scheme has a different definition of ill health and different rules for taking your pension early – speak to your provider.
+<% end %> +Special tax rules apply if you have a serious illness which means you’re expected to live for less than a year.
You may be able to take your whole pension pot tax free if all of the following apply to you:
Check the terms of your pension with your provider. Some pensions will keep at least 50% of your pot for your spouse or partner.
diff --git a/features/50_54_document.feature b/features/50_54_document.feature new file mode 100644 index 0000000..9f15a5d --- /dev/null +++ b/features/50_54_document.feature @@ -0,0 +1,28 @@ +Feature: Summary document for under 55s + As Pension Wise + We want customers aged 50-54 to have a summary document relevant to their age bracket + So that customers are reminded of what was discussed, including next steps that they may wish to take + +Scenario: Customers aged 50-54 are given the appropriate summary document + Given a customer has had a Pension Wise appointment + And the customer is given a 50-54 appointment type + When we generate a summary document + Then the summary document should have the 50-54 content + +Scenario: The 50-54 summary document warns customers that options could change in the future + Given a customer has had a Pension Wise appointment + And the customer is given a 50-54 appointment type + When we generate a summary document + Then the summary document should include a warning that options may have changed by the time the customer retires + +Scenario: The 50-54 summary document lets customers know when most people can take their pension + Given a customer has had a Pension Wise appointment + And the customer is given a 50-54 appointment type + When we generate a summary document + Then the summary document should include guidance about what age most people can take their pension + +Scenario: The 50-54 summary document warns customers about potential charges associated with leaving their pot untouched + Given a customer has had a Pension Wise appointment + And the customer is given a 50-54 appointment type + When we generate a summary document + Then the summary document should include a warning that they could be charged if they leave their pot untouched beyond their selected retirement age diff --git a/features/step_definitions/50_54_steps.rb b/features/step_definitions/50_54_steps.rb new file mode 100644 index 0000000..64ccf65 --- /dev/null +++ b/features/step_definitions/50_54_steps.rb @@ -0,0 +1,20 @@ +Given(/^the customer is given a 50-54 appointment type$/) do + @output_document = fixture(:output_document, appointment_type: '50_54') +end + +Then(/^the summary document should have the 50-54 content$/) do + expect(@rendered_template).to have_keyword('appointment-50-54') +end + +Then(/^the summary document should include (?:a warning|guidance about) (.*?)$/) do |guidance| + section = case guidance + when 'that options may have changed by the time the customer retires' then + 'options may have changed warning' + when 'what age most people can take their pension' then + 'guidance about when you can take your pension' + when 'that they could be charged if they leave their pot untouched beyond their selected retirement age' then + 'warning about leaving pot beyond selected retirement age' + end + + expect(@rendered_template).to include_output_document_section(section) +end diff --git a/features/support/fixtures.rb b/features/support/fixtures.rb index e23d9c5..5c5a920 100644 --- a/features/support/fixtures.rb +++ b/features/support/fixtures.rb @@ -23,7 +23,8 @@ def fixture(name, attribues = {}) guider_organisation: 'Citizens Advice', lead: 'You recently had a Pension Wise guidance appointment with Penelope ' \ 'from Citizens Advice on 5 February 2015.', - format_preference: 'standard' + format_preference: 'standard', + appointment_type: 'standard' } end } diff --git a/features/support/matchers/have_keyword.rb b/features/support/matchers/have_keyword.rb index c78d22b..8b2c1ba 100644 --- a/features/support/matchers/have_keyword.rb +++ b/features/support/matchers/have_keyword.rb @@ -4,6 +4,6 @@ RSpec::Matchers.define :have_keyword do |keyword| match do |html| doc = Nokogiri::HTML(html) - doc.xpath('//meta[@name="keywords"]/@content').map(&:value).include?(keyword) + doc.xpath('//meta[@name="keywords"]/@content').to_s.split(', ').include?(keyword) end end diff --git a/lib/output/templates/html_rendering_context.rb b/lib/output/templates/html_rendering_context.rb index b662480..3b73899 100644 --- a/lib/output/templates/html_rendering_context.rb +++ b/lib/output/templates/html_rendering_context.rb @@ -34,8 +34,12 @@ def standard_text? !large_text? end + def appointment_50_54? + type_of_appointment == '50_54' + end + def keywords - [format] + [format, appointment_keyword] end def kind @@ -52,6 +56,14 @@ def format format_preference.tr('_', ' ') end + def type_of_appointment + appointment_type + end + + def appointment_keyword + "appointment-#{type_of_appointment.tr('_', '-')}" + end + def stylesheet_path(base_file_name) Pathname.new(asset_root).join('stylesheets', "#{base_file_name}.css.scss") end diff --git a/spec/templates/html_rendering_context_spec.rb b/spec/templates/html_rendering_context_spec.rb index 879fd2d..0b502f7 100644 --- a/spec/templates/html_rendering_context_spec.rb +++ b/spec/templates/html_rendering_context_spec.rb @@ -31,18 +31,32 @@ subject { context.keywords } context 'when the data includes a format preference of large_text' do - let(:data) { double('Delegatee', format_preference: 'large_text') } + let(:data) { double('Delegatee', format_preference: 'large_text', appointment_type: 'standard') } it { is_expected.to include('large text') } it { is_expected.to_not include('standard') } end context 'when the data includes a format preference of standard' do - let(:data) { double('Delegatee', format_preference: 'standard') } + let(:data) { double('Delegatee', format_preference: 'standard', appointment_type: 'standard') } it { is_expected.to include('standard') } it { is_expected.to_not include('large text') } end + + context 'when the data includes a appointment type of 50-54' do + let(:data) { double('Delegatee', appointment_type: '50_54', format_preference: 'standard') } + + it { is_expected.to include('appointment-50-54') } + it { is_expected.to_not include('appointment-standard') } + end + + context 'when the data includes a appointment type of standard' do + let(:data) { double('Delegatee', appointment_type: 'standard', format_preference: 'standard') } + + it { is_expected.to include('appointment-standard') } + it { is_expected.to_not include('appointment-50-54') } + end end describe '#kind' do