Jurisdiction(s):
United Kingdom

Related legal acts

Key definition

Communication definition

What does Communication mean? Communication, in telecoms legal practice, describes the content and signalling carried by a telecommunications service or system, whether exchanged between persons, between a person and a thing (for example, a device), or between things (machine-to-machine). In UK legislation (notably the Investigatory Powers Act 2016 and the Regulation of Investigatory Powers Act 2000), the term is defined broadly to include: (a) anything comprising speech, music, sounds, visual images or data of any description; and (b) signals serving to impart anything between such endpoints or to actuate or control apparatus. Irish communications legislation and EU-derived e-privacy rules adopt similarly wide,...

Occupational DC retirement communications: trustee duties on wake-up packs, Pension Wise stronger nudge, risk warnings and disclosure timings (Regs 18A–20, 2013 Disclosure Regulations)

Published by a LexisNexis Pensions expert

Practice notes

From 6 April 2015, members may access ‘flexible benefits’ (defined below) once they reach the normal minimum pension age, without restriction. The requirement to purchase a lifetime annuity has been removed, and individuals can draw on their pension pot via drawdown or by taking one or more uncrystallised funds pension lump sums (UFPLSs). Amounts withdrawn are taxed at the member’s marginal income tax rate, while up to 25% remains available as a tax‑free lump sum. The government introduced these reforms to give members greater control over their finances and to enable them to draw their pensions in the way they choose. For further information, see Practice Note: Pension freedoms—an introduction [Archived].

To ensure members with flexible benefits have enough detail to make informed decisions about accessing their pension pot, from 6 April 2015 changes were made to legislation and to the Financial Conduct Authority (FCA) Handbook rules. These require trustees, managers and providers of occupational and personal pension schemes to supply retiring members with flexible benefits with specific information as they approach retirement, namely:

information about the retirement options available for accessing their flexible benefits
information about the availability of free, impartial pensions...

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Web page updated on 21/05/2026

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