Insights Campaigning for the underpensioned
How can we close the pension savings gap for the most financially-vulnerable groups in our society? We’re working to help create a fairer UK pensions system.
The underpensioned report 2025
Some of the most financially-at-risk groups in our society continue to find themselves on the wrong side of a significant pension savings gap.
The 2025 underpensioned report finds:
- The underpensioned gap is now at 57% – the highest level since we began reporting in 2020.
- Of the underpensioned groups, people with disabilities have the lowest pension income at just 43% of the UK average.
- There are 11 million underpensioned individuals working in the UK, that’s 37.93% of the workforce.
Our five policy proposals to make pensions fairer for all:
Remove the £10,000 auto enrolment trigger
to get more underpensioned groups into a workplace pension.
2. Scrap the lower earnings limit
so all earnings count towards pension contributions.
3. Introduce a family carer’s top-up
to the pensions of people taking time out of paid work to care for family members.
4. Consider pension pots on divorce
when settlement terms are being negotiated.
5. Make more childcare available at a lower cost
so people who want to return to work can do so.
