Conservative Manifesto Dignity in Retirement
C onservative policy on dignity in retirement


  • Take the family home out of Inheritance Tax
  • Increase the State Pension
  • Rises by at least 2.5 per cent, inflation or earnings, whichever is highest
  • Introducing a new single-tier pension
  • The freedom to invest and spend your pension however you like
  • Protect pensioner benefits
  • Make sure no-one is forced to sell their home to pay for care
  • Scrapped compulsory annuities
  • giving people complete control over their pension pots
  • Scrap charges for residential social care from April 2016
  • Allow deferred payment agreements
  • Individual liabilities will be limited
  • Protected from unlimited costs if they develop very serious care needs

“We will guarantee your financial security as you grow older”

  • From April 2016 we are bringing in a Single Tier Pension
  • Abolish means-testing the pensions of people who have contributed all their lives
  • Maintain all the current pensioner benefits
  • Including Winter Fuel Payments,
  • Free bus passes,
  • Free prescriptions and TV licences
  • Implement the "temperature test" for Winter Fuel Payment
  • Expats in hot countries no longer receive it
  • Access pension savings and decide whether or not to take out an annuity
  • Make their own decisions about their money

“We will help you support your loved-ones”

  • Guaranteed that ISAs can now be passed on to a spouse tax-free
  • From this April they are no longer subject to Income Tax and Capital Gains Tax
  • Abolished the 55 per cent tax on pension pots
  • when the deceased is 75 or over
  • Any beneficiary only has to pay their marginal Income Tax rate
  • Anyone who dies before the age of 75
  • To pass on their pension pot completely tax-free
  • Beneficiaries will pay no tax on pensions they inherit
  • Or on the income they draw down
  • Take the family home out of tax for all but the richest
  • Increasing the effective Inheritance Tax threshold
  • For married couples and civil partners to £1 million
  • New transferable main residence allowance of £175,000 per person
  • Paid for by reducing the tax relief on pension contributions
  • For people earning more than £150,000

“Our plan to entrench the progress of the past five years. Our plan for you and your family, at every stage of your life”


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