Skip to content

Commit

Permalink
Merge pull request #28 from guidance-guarantee-programme/variant-50_54
Browse files Browse the repository at this point in the history 
50-54 Appointment Types
  • Loading branch information
@benbarnett
benbarnett committed Feb 23, 2016
2 parents 8cde15c + 0c6f768 commit 8876540
Show file tree
Hide file tree
Showing 12 changed files with 185 additions and 37 deletions.
24 changes: 20 additions & 4 deletions assets/markup/generic_guidance.html.erb
View file
Original file line number Diff line number Diff line change
Expand Up @@ -10,7 +10,12 @@
<li>While the money stays in your pot you don’t pay tax on it.</li>
<li>It’s up to you when you take the money out – the earliest is usually aged 55, unless you have a serious illness.</li>
<li>If someone contacts you unexpectedly about getting money out of your pot before you’re 55, it’s nearly always a pension scam.</li>
<li>You can also still pay into your pot but there may be restrictions. If you’re an employee your employer might continue to make contributions too.</li>
<% if appointment_50_54? %>
<!-- section: warning about leaving pot beyond selected retirement age -->
<li>You may still be able to pay into your pot but you could be charged for leaving your pot beyond your ‘selected retirement age’ – the age you agreed to retire with your provider.</li>
<% else %>
<li>You can also still pay into your pot but there may be restrictions. If you’re an employee your employer might continue to make contributions too.</li>
<% end %>
<li>Money left untouched can be passed on when you die.</li>
</ol>

Expand All @@ -20,8 +25,13 @@
<h4 class="pull icon icon--questions">Questions to ask your provider:</h4>

<ul class="list list--questions">
<li>Do I have to take the money by a certain date?</li>
<li>What are the fees for continuing to leave my pot untouched?</li>
<% if appointment_50_54? %>
<li>Have I agreed a retirement age with you? What is it?</li>
<li>Will I pay extra fees if I leave my pot untouched when I reach my selected retirement age?</li>
<% else %>
<li>Do I have to take the money by a certain date?</li>
<li>What are the fees for continuing to leave my pot untouched?</li>
<% end %>
<li>How much is the pot likely to grow or go down each year?</li>
<li>How is the money invested and can I change this if I want?</li>
<li>How much can I still pay in?</li>
Expand Down Expand Up @@ -185,7 +195,13 @@
<li>Once you’ve taken the money out you can’t change the decision and you lose the tax-free status it had while in your pot.</li>
</ol>

<p class="emphasise">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.</p>
<p class="emphasise">
<% 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 %>
</p>
<p class="emphasise">You need to be aware of ‘pension recycling’ tax laws if you plan to cash in one pot and pay into another. </p>

<hr>
Expand Down
34 changes: 28 additions & 6 deletions assets/markup/getting_started.html.erb
View file
Original file line number Diff line number Diff line change
Expand Up @@ -9,19 +9,41 @@

<p>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.</p>

<p>Most people are entitled to the State Pension. If you’re not already claiming the State Pension, you can go to the <a href="https://www.gov.uk">GOV.UK</a> 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.</p>
<% if appointment_50_54? %>
<!-- section: guidance about when you can take your pension -->
<p>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’.</p>
<% end %>

<p>
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 <a href="https://www.gov.uk">GOV.UK</a> website and get a State Pension statement.
<% else %>
If you’re not already claiming the State Pension, you can go to the <a href="https://www.gov.uk">GOV.UK</a> 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.
</p>

<% if large_text? %><div class="page-break"></div><% end %>
<h3>What you’ll find on the Pension Wise website</h3>

<p>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 <a href="https://www.pensionwise.gov.uk">pensionwise.gov.uk</a> for detailed information about:</p>

<ul class="list">
<li>Tax you pay on your pension</li>
<li>Working out how much money you’ll have now and in retirement</li>
<li>Planning how long your money needs to last</li>
<li>How your pension could affect your entitlement to benefits</li>
<li>How to avoid a pension scam</li>
<% if appointment_50_54? %>
<li>Working out how much money you’ll have in retirement</li>
<li>Planning how long your money needs to last</li>
<li>Taking your pension before you’re 55</li>
<li>How to avoid a pension scam</li>
<li>Tax you pay on your pension</li>
<li>How your pension could affect your entitlement to benefits</li>
<% else %>
<li>Tax you pay on your pension</li>
<li>Working out how much money you’ll have now and in retirement</li>
<li>Planning how long your money needs to last</li>
<li>How your pension could affect your entitlement to benefits</li>
<li>How to avoid a pension scam</li>
<% end %>
</ul>

<p>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’).</p>
Expand Down
15 changes: 14 additions & 1 deletion assets/markup/options_overview.html.erb
View file
Original file line number Diff line number Diff line change
Expand Up @@ -3,9 +3,22 @@

<h2>The 6 options discussed in the appointment</h2>

<% if appointment_50_54? %>
<!-- section: options may have changed warning -->
<p>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.</p>
<p>You may be able to take your pot sooner but only in rare cases, eg early retirement due to ill health.</p>
<% end %>

<h3 class="option option--untouched">Leave your pot untouched</h3>

<p>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.</p>
<p>
<% 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.
</p>

<h3 class="option option--annuity">Get a guaranteed income (annuity)</h3>
<p>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.</p>
Expand Down
27 changes: 17 additions & 10 deletions assets/markup/supplementary_benefits.html.erb
View file
Original file line number Diff line number Diff line change
Expand Up @@ -4,21 +4,28 @@
<h2>Benefits and pension income</h2>
<p>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.</p>

<h3>When your pension affects your benefits</h3>
<p>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 <a href="https://www.gov.uk">GOV.UK</a> to check when this is.</p>
<% if appointment_50_54? %>
<p class="emphasise">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.</p>

<p>Money from your (or your partner’s) pot may affect your entitlement to benefits:</p>
<p>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.</p>
<p>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.</p>
<% else %>
<h3>When your pension affects your benefits</h3>
<p>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 <a href="https://www.gov.uk">GOV.UK</a> to check when this is.</p>

<ul class="list">
<li>Before Pension Credit qualifying age – any income or cash sums you take from your pot.</li>
<li>After Pension Credit qualifying age – any money still in your pot, plus any income or money you’ve already taken in chunks or in one go.</li>
</ul>
<p>Money from your (or your partner’s) pot may affect your entitlement to benefits:</p>

<p class="emphasise">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.</p>
<ul class="list">
<li>Before Pension Credit qualifying age – any income or cash sums you take from your pot.</li>
<li>After Pension Credit qualifying age – any money still in your pot, plus any income or money you’ve already taken in chunks or in one go.</li>
</ul>

<p>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.</p>
<p class="emphasise">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.</p>

<p>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.</p>
<p>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.</p>

<p>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.</p>
<% end %>

<h3>Getting help with benefits</h3>
<p>For more information about benefits entitlement you can speak to Citizens Advice (see ‘Further free and impartial guidance’).</p>
Expand Down
24 changes: 15 additions & 9 deletions assets/markup/supplementary_debt.html.erb
View file
Original file line number Diff line number Diff line change
Expand Up @@ -2,18 +2,24 @@
<div class="page-break"></div>

<h2>Debt and pensions</h2>
<p>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.</p>

<p>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.</p>
<% if appointment_50_54? %>
<p>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.</p>
<p>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.</p>
<% else %>
<p>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.</p>

<p>This includes money or income from:</p>
<p>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.</p>

<ul class="list">
<li>A guaranteed income (annuity)</li>
<li>An adjustable income</li>
<li>Cash in chunks</li>
<li>Taking your whole pot in one go</li>
</ul>
<p>This includes money or income from:</p>

<ul class="list">
<li>A guaranteed income (annuity)</li>
<li>An adjustable income</li>
<li>Cash in chunks</li>
<li>Taking your whole pot in one go</li>
</ul>
<% end %>

<p class="emphasise">Find out the status of any debt arrangement you have before choosing a pension option.</p>

Expand Down
13 changes: 11 additions & 2 deletions assets/markup/supplementary_ill_health.html.erb
View file
Original file line number Diff line number Diff line change
Expand Up @@ -2,14 +2,23 @@
<div class="page-break"></div>

<h2>Pensions and ill health</h2>

<% if appointment_50_54? %>
<p>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. </p>
<% end %>

<p>Special tax rules apply if you have a serious illness which means you’re expected to live for less than a year.</p>

<p>You may be able to take your whole pension pot tax free if all of the following apply to you:</p>

<ul class="list">
<li>You’re expected to live for less than a year because of serious illness.</li>
<li>You’re under 75 (if you’re over 75 you pay 45% tax on the lump sum).</li>
<li>You don’t have more than the lifetime allowance of £1.25 million (£1 million after April 2016) in pension money.</li>
<% if appointment_50_54? %>
<li>You don’t have more than the lifetime allowance of £1.25 million (£1 million after April 2016) in pension money.</li>
<% else %>
<li>You’re under 75 (if you’re over 75 you pay 45% tax on the lump sum).</li>
<li>You don’t have more than the lifetime allowance of £1.25 million (£1 million after April 2016) in pension money.</li>
<% end %>
</ul>

<p>Check the terms of your pension with your provider. Some pensions will keep at least 50% of your pot for your spouse or partner.</p>
Expand Down
28 changes: 28 additions & 0 deletions features/50_54_document.feature
View file
Original file line number Diff line number Diff line change
@@ -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
20 changes: 20 additions & 0 deletions features/step_definitions/50_54_steps.rb
View file
Original file line number Diff line number Diff line change
@@ -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
3 changes: 2 additions & 1 deletion features/support/fixtures.rb
View file
Original file line number Diff line number Diff line change
Expand Up @@ -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
}
Expand Down
2 changes: 1 addition & 1 deletion features/support/matchers/have_keyword.rb
View file
Original file line number Diff line number Diff line change
Expand Up @@ -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
14 changes: 13 additions & 1 deletion lib/output/templates/html_rendering_context.rb
View file
Original file line number Diff line number Diff line change
Expand Up @@ -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
Expand All @@ -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
Expand Down
18 changes: 16 additions & 2 deletions spec/templates/html_rendering_context_spec.rb
View file
Original file line number Diff line number Diff line change
Expand Up @@ -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
Expand Down

0 comments on commit 8876540

Please sign in to comment.