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A new report published by Scottish Widows - the 19th annual Retirement Report -  has shed light on the potential retirement challenges faced by different demographics in the UK. The report introduces the National Retirement Forecast (NRF), a comprehensive analysis that provides a detailed examination of the retirement landscape across various age groups, genders, ethnicities, employment statuses and underrepresented communities - including disabled individuals and the LGBTQ+ community.

According to the NRF, a concerning 35% of Brits could potentially struggle with poverty in retirement. This sobering figure highlights the significant challenges faced by a substantial portion of the population. The current economic climate is a key contributing factor, with the report indicating that many people may struggle to afford basic necessities such as food and heating during their retirement years.

The NRF reveals a significant polarisation in retirement prospects, with 36% of the population heading for a comfortable retirement while the remaining 35% are projected to face financial hardship. These disparities are further exacerbated when examining specific demographic groups. For instance, almost half (43%) of those predicted to struggle in retirement expect to still be paying rent. In several parts of the country, rental costs can consume 60-70% of retirees' income, rising to a staggering 130% in London.

The report also highlights the challenges faced by younger generations. Approximately 41% of people currently in their 20s are on track for hardship in retirement, with an average projected retirement income of £10,000 among this group. However, there is some positive news as the NRF indicates that 43% of millennials are on track for a comfortable retirement. This reflects their strong savings behaviours and the benefits of automatic enrolment in workplace pension schemes.

Gender disparities in retirement income are also brought to light by the NRF. On average, women are expected to receive a third less income in retirement compared to men, with projected retirement incomes of £19,000 and £12,000, respectively. Additionally, almost half (49%) of Brits have not checked whether they are entitled to the full state pension, suggesting a lack of awareness and understanding of retirement benefits.

The NRF further emphasises the impact of employment patterns on retirement prospects. Women, ethnic minorities, and disabled individuals are disproportionately represented in lower-paid and part-time jobs, making it more challenging to accumulate sufficient pension savings. Self-employed individuals also face difficulties in saving adequately compared to full-time employees who receive formal incentives.

Living expenses remain a major concern for the majority of Brits, with 75% expressing worry about their financial situation. Against the backdrop of ongoing economic uncertainty, a worrying minority (21%) has resorted to cutting back on essentials, marking an increase from 16.5% in 2022. These financial pressures likely contribute to the challenges individuals face in preparing for retirement.

One of the most alarming findings of the NRF is the particularly concerning outlook for disabled people. Over half (51%) of disabled individuals are projected to face poverty in retirement, with an average annual income of £11,000. This amount represents only 61% of the income predicted for non-disabled individuals. The report also highlights data from disability equality charity Scope, revealing that disabled households require £975 more per month to secure the same standard of living as non-disabled households. This suggests that the retirement income gap for disabled individuals may be even wider than estimated by the NRF.

Scottish Widows' Head of Policy - Pete Glancy - stressed the importance of addressing the inequalities faced by disabled individuals, particularly the additional costs they bear throughout their lives, which make it harder to achieve a comfortable retirement.

Glancy called on employers to take action to resolve disparities in pay and progression and urged the government to advocate for more transparency from businesses, helping disabled individuals avoid the prospect of retiring in poverty.

Louise Rubin, Head of Policy and Campaigns at Scope, echoed these sentiments, emphasising the need for politicians to prioritise addressing the disability employment and pensions gap. Rubin underscores the fact that life costs significantly more for disabled individuals and that planning for retirement becomes a luxury many cannot afford. It is crucial to break the link between poverty and disability and ensure that disabled people have an equal standard of living.

The NRF report serves as a wake-up call for the UK government, businesses and the financial services industry. Scottish Widows urged the government to implement long-term reforms that support those on lower incomes, ensuring that automatic enrolment can effectively address retirement poverty. Additionally, businesses must work towards addressing workplace inequalities faced by disadvantaged groups.

Lastly, the financial services industry must improve its communication efforts to build trust and ensure that individuals across all income levels and demographics understand how to save effectively for retirement.

A new survey conducted by investment comparison site Investing Reviews has shed light on the sentiment of the UK population regarding pensions and retirement. The survey, which gathered opinions from over 2,000 users, aimed to better understand the nation's attitudes towards these important topics. The results revealed that a significant majority of respondents - 70% believe that retiring comfortably in the UK has become increasingly challenging.

Interestingly, the survey also found that 78% of respondents feel that the retirement age in the UK should be lowered. Currently standing at 66, the retirement age has been a subject of debate and discussion for many years. This sentiment aligns with the belief of around 70% of respondents who feel that it is now harder than ever to retire in the UK.

The survey results suggest that the desire for a lower retirement age and the perceived difficulty of retiring comfortably may be influenced by financial concerns. A notable 62.60% of respondents stated that their pension alone would not be sufficient to support a comfortable retirement. They believe that additional investments alongside their pension will be necessary. Moreover, more than half of the respondents - 55.82% - expressed their inability to make as many pension contributions as they would like to, which may contribute to their concerns about retirement.

When considering employer contributions, the survey revealed that over 42% of respondents would contemplate switching to a different career sector if it meant receiving greater contributions from their employers. This indicates a willingness among individuals to explore different avenues to secure a more robust pension for their retirement.

Investing Reviews CEO, Simon Jones, commented on the survey findings, highlighting the ongoing debates surrounding retirement ages and pensions in the UK. He pointed out that recent events in France, where tensions have escalated due to the increase in the retirement age from 62 to 64, added an additional layer to the discussion. Jones emphasised that the survey responses offer valuable insights into the British public's sentiments on pensions and retirement ages, particularly the growing belief that retiring comfortably has become more challenging. He further expressed interest in observing how factors such as the French backlash and the increasing cost-of-living crisis might shape these sentiments in the future.

In a related study, Investing Reviews analysed official government data from the Office for National Statistics (ONS) and found that the sector with the highest percentage of employers contributing 20% or more to employees' pensions is "public administration and defence (including compulsory social security)." On the other hand, employers in the "wholesale and retail trade (including motor vehicles and motorcycle repair)" sector had the lowest percentage of employer contributions of 20% or more, with only 1.3% falling in this category.

The survey also revealed that over a third of respondents do not have a clear understanding of the exact amount of money in their pensions. Furthermore, more than one-third of respondents expressed their belief that they will not be able to retire comfortably in the UK.

These survey results provide valuable insights into the sentiment of the UK population regarding retirement and pensions. It highlights the widespread belief that retiring comfortably has become increasingly difficult, along with the desire for a lower retirement age. The findings also emphasise the importance of additional investments alongside pensions and the impact of employer contributions on individuals' retirement planning.

In a case that highlighted gender discrimination in the workplace, Jiang Ping, a senior female executive, has emerged victorious in a victimisation claim against her employer, James Durrans & Sons Ltd. She was denied a pay rise on the grounds that her director husband's salary was deemed "more than enough." The ruling exposes discriminatory attitudes and serves as a reminder that pay should be based on an individual's qualifications and contributions, irrespective of their marital status.

Ms. Ping, aged 69, initially won £4,000 after the tribunal judges ruled in her favour, stating that she had been discriminated against based on her sex by the metal products company James Durrans & Sons Ltd.

However, they rejected her claim of victimisation after director Chris Durrans threatened to make allegations of discrimination against her if she sued him. Dissatisfied with this outcome, Ms. Ping appealed the ruling and has now been awarded a further £3,000 following a second tribunal ruling.

During the original tribunal hearing, it was revealed that Ms. Ping’s husband, David Armitage, earned up to £270,000 as a director at the company, whilst Ms. Ping's own part-time senior managerial role was rewarded with a salary of £36,000.

In response to her request for a salary increase Ms. Ping's boss - Chris Durrans - commented he believed that "a married woman cannot challenge her salary if her husband is a high earner" and maintained that he was “comfortable” with their combined household income.

This remark disregarded Ms. Ping's individual contributions to the company and perpetuated the notion that her husband's income should determine her own financial worth. Chris Durrans’ brother, Nicholas Durrans, also a director at the company, supported his viewpoint, rejecting Ms. Ping's grievance.

Following the initial ruling, Employment Judge Harjit Grewal stated that Ms. Ping had been subjected to a detriment because her pay complaint was not considered on its merits. The judge highlighted that Mr. Durrans' belief that a married woman cannot challenge her earnings if her husband is a high earner is inherently discriminatory against women. With no satisfactory explanation from Mr. Durrans for dismissing her complaint, the tribunal concluded that he treated her less favourably based on her sex. However, claims of race, sex, and marital status discrimination, as well as harassment, were dismissed.

Ms. Ping's victimisation claim was initially dismissed but she appealed the ruling. In the reconsideration hearing, it was determined that the victimisation claim was well-founded, leading to her being awarded an additional £3,000 in compensation.

The ruling underscores the importance of fair and equal treatment of employees, regardless of their marital status or their spouse's income. Companies must acknowledge that each individual's salary should reflect their qualifications, contributions and responsibilities, rather than being influenced by external factors.

Over 200 companies in the UK, including well-known retailers like WH Smith, Marks & Spencer, Argos and LloydsPharmacy, have been collectively fined £7 million for failing to pay their employees the legal minimum wage. The violations were discovered by inspectors at HM Revenue and Customs (HMRC), who found various breaches such as workers being asked to pay for aspects of their uniforms or being paid incorrect apprenticeship rates. As a result, these businesses had to pay out £4.9 million to approximately 63,000 workers who were left out of pocket.

The list of offending companies encompasses a range of industries, from fashion brands and car washes to hotels and takeaway businesses. The government emphasised that this decision demonstrates that companies failing to pay staff properly will face the consequences.

WH Smith, a prominent presence in airports and train stations across Britain, topped the list of companies that fell short on wage payments. They owed over £1 million to 17,607 workers, amounting to approximately £58 per employee. WH Smith attributed the mispayment to a 2019 review by HMRC, which identified the company’s misinterpretation of statutory wage regulations related to uniform policies for store staff. The company promptly rectified the error and reimbursed all affected employees an average of £40 for expenses related to clothing items.

LloydsPharmacy, ranking second on the list, was found to owe more than £900,000 to nearly 8,000 workers. The underpayment was also unintentional and linked to the company's uniform rules. LloydsPharmacy acted swiftly to rectify the issue, reimbursing the affected employees and updating their uniform policy to prevent a recurrence.

Marks & Spencer came in third place among the companies found to have incorrectly paid their workers, owing just over £100 each to 5,363 employees, totalling £578,000. The retail giant clarified that it was named due to an unintentional technical issue that occurred over four years ago, specifically related to weekly payments for some temporary workers. They asserted that their minimum hourly pay has always been above the national minimum wage and that no employees were ever underpaid due to this issue.

Sainsbury's, the parent company of Argos, acknowledged a violation dating back to 2012, before they acquired the catalogue chain. The supermarket launched an investigation and promptly addressed the problem upon its identification in 2018. Sainsbury's integrated Argos into their systems to prevent such issues from recurring and emphasised the significant investment made in colleague pay, resulting in a 53% increase in the Argos colleague hourly rate over the past seven years.

Kevin Hollinrake, the minister for enterprise, markets, and small business, acknowledged that while not all minimum wage underpayments were intentional, there is no excuse for underpaying workers. He stressed that paying the legal minimum wage is non-negotiable and businesses - regardless of their size - should know better than to shortchange hard-working staff. Hollinrake's message to the minority of companies disregarding the law was clear: pay your staff properly or face the consequences.

The fines imposed on these companies highlight the importance of adhering to minimum wage regulations and treating employees fairly. The government's list of employers penalized for minimum wage breaches between 2017 and 2019 included 202 businesses, amounting to nearly £5 million in underpayments. While unintentional breaches may occur, the government stressed that there is no excuse for underpaying workers.

The release of this list could have reputational implications for the companies involved, even if the underpayments were unintentional. Employers who have minimal or unclear communication with their workforce regarding these breaches risk employees seeking further investigation from organisations like the Advisory, Conciliation and Arbitration Service (ACAS) or HMRC, potentially leading to disruptions in their workforce.

To assist employees in verifying their pay, HMRC has established a dedicated portal. This initiative aims to ensure that workers are aware of their rights and can report any discrepancies in their wages to the appropriate authorities. By holding companies accountable for their wage practices, the UK government aims to create a fair and equitable work environment for all employees.

A new pulse survey conducted by 3R Strategy - a reward consultancy - has shed light on the state of equal pay audits and pay budgets in organisations across the UK. The survey, which collected data in March 2023 from HR professionals, reveals concerning statistics regarding the completion of equal pay audits.

The survey found that over half of the organisations surveyed (51%) have never conducted an equal pay audit. This finding is particularly worrisome considering that ensuring equal pay for equal work is a legal requirement under the Equality Act 2010.

Rameez Kaleem, the Founder and Manager of 3R Strategy, expressed his concern about these figures and emphasised the importance of equal pay audits. While not compulsory, he advised organisations to conduct an equal pay audit at least every three years to identify and eliminate pay inequalities.

In addition to the lack of equal pay audits, the pulse survey also highlighted the issue of pay transparency. Only 12% of the survey participants reported publishing salary ranges for employees to see. Among those who did not publish salary ranges, various reasons were given - including concerns about potential reactions, the need for effective communication and training, lack of confidence in the current ranges, and the absence of salary ranges altogether.

Pay transparency plays a crucial role in encouraging equal pay and improving employee relations, according to Rameez Kaleem. By being clear and open about how pay decisions are made, organisations can highlight fairness and equity, providing reassurance to employees that they are being treated fairly and not subject to undervaluation or discrimination.

The survey also explored the presence of a career framework or job architecture within businesses. A complete job architecture establishes a set of bands that ensure fairness and consistency in pay, bonuses and benefits. The results showed that 49% of organisations lacked a framework, 14% had a framework but no definitions and 37% had both a framework and definitions. A well-defined job architecture is essential for determining pay and conducting an effective equal pay audit.

Jemima Olchawski - Chief Executive of the gender equality charity the Fawcett Society - commented on the survey findings, stressing the importance of understanding the causes behind pay gaps. While reporting on the gender pay gap is a legal requirement, she stressed that employers should go beyond reporting and take action to address the gaps. Pay audits play a vital role in identifying and rectifying pay disparities, not only based on gender but also considering the impact of ethnicity on pay inequality, particularly affecting women from Black and minority backgrounds.

The pulse survey conducted by 3R Strategy provides valuable insights into the state of equal pay audits, pay transparency and job architectures in UK organisations. The findings highlight the need for businesses to prioritise equal pay audits, establish transparent pay processes and develop comprehensive job architectures to ensure fairness and equity in compensation. By taking these steps, it is hoped that pay inequalities will be eliminated and a more inclusive and equitable work environment created.

Social class and nepotism continue to have a profound impact on the early career opportunities available to young people, according to recent research conducted by KPMG UK. The study was conducted by the independent research agency One Poll, which surveyed 2,000 young people aged 11 to 18 between 25th May and 5th June 2023. To assess socio-economic background, the parent or guardian of each participant disclosed the occupation of their highest household earner, following the guidance provided by the Bridge Group and Social Mobility Commission in 2021.

The research revealed that those from low socio-economic backgrounds are significantly less likely to have gained formal or informal work experience. The findings indicate that 40% of individuals from low socio-economic backgrounds have had exposure to the world of work, compared to the average rate of 47% among young people.

Moreover, the research highlighted that a substantial majority of respondents, 71% to be exact, believed that certain professions, such as becoming a doctor or lawyer, are easier to enter if their parents or guardians have also worked in similar fields. This perception sheds light on the prevalence of nepotism in certain industries. Notably, when it comes to securing work experience, 45% of those surveyed reported that such opportunities were arranged through family members or friends, while only 32% obtained them through their school.

The study specifically explored the field of accountancy and found that nearly half - 48% - of the participants believed that this profession favours individuals with parents or guardians from professional backgrounds, such as doctors, lawyers, or accountants.

In response to these findings, Jon Holt, the Chief Executive at KPMG UK, emphasised the urgent need to address the inherent disadvantages faced by young people from low socio-economic backgrounds. He acknowledged that the lack of fair and accessible work experience, coupled with a lack of guidance, hampers the prospects of these talented individuals early in their careers. Holt further asserted that businesses - including KPMG - must take an active role in levelling the playing field. Opening doors and offering opportunities for young people to experience the inner workings of firms is crucial. Equipping them with highly valued workplace skills, such as problem-solving and creative thinking, is essential for their success.

Gabriella Falco, an apprentice at KPMG UK, shared her personal experience, highlighting the importance of exposure to career possibilities. Despite not having access to work experience or career fairs during her upbringing, she stumbled upon a Women in Banking seminar that opened her eyes to potential opportunities. Falco's research led her to KPMG, where she found the firm's values aligned with her own.

As someone from a lower socio-economic background, she emphasised the impact that KPMG's social mobility employee network, UPbringing, has on colleagues from similar backgrounds. She expressed hope that young people from all walks of life can feel excited and confident about the diverse range of career options available to them.

KPMG has been dedicated to increasing social mobility within its profession for over a decade. In September 2021, the firm became one of the first businesses to publish its socio-economic background pay gaps, demonstrating its commitment to transparency. KPMG has also set ambitious targets to enhance the socio-economic diversity of its workforce. Additionally, the firm conducted a pioneering "progression gap" analysis in December of the previous year, which highlighted the influence of socio-economic background, measured by parental occupation, on individuals' career advancement. This analysis revealed that parental occupation has the most significant impact on career progression, surpassing other diversity characteristics.

The findings of KPMG's research shed light on the ongoing challenges faced by young people from low socio-economic backgrounds. They underscore the need for concerted efforts from businesses, educational institutions, and society as a whole to dismantle barriers and create equal opportunities for all. By promoting fair access to work experience and providing guidance to young individuals, the way for a more inclusive and diverse workforce that harnesses the full potential of talent from every background can be paved.

The Police Federation of England and Wales (PFEW) has been found to have victimised and discriminated against police officers who made claims against the government after being moved onto pension schemes with reduced benefits, according to an employment tribunal.

The case, brought against the Home Office and police chiefs and commissioners, centered around age discrimination, with younger officers arguing that they were unfairly placed on an inferior pension scheme due to their birth dates after 1st April 1967. In 2019, an employment tribunal ruled in favour of the officers and now, a subsequent tribunal has found the PFEW guilty of discrimination and victimisation.

The PFEW is the staff association for police constables, sergeants, inspectors, chief inspectors and special constables in England and Wales. Following the initial ruling in favour of younger officers, thousands of police officers claimed that the PFEW discriminated against and victimised them by actively promoting the government's plans to transition them onto the inferior pension scheme. These officers alleged that the PFEW refused to support and fund their original claims and took steps to obstruct and penalise them from pursuing their grievances.

The recent East London employment tribunal found that the PFEW recognised the possibility of age discrimination but provided a skewed and misleading narrative in support of the transition to the new pension arrangement. The judge criticised the PFEW for not considering whether there was a less discriminatory way to redesign the scheme, ensuring fairness for younger officers. The tribunal also noted that the PFEW, for the better part of eight years, actively championed the transitional provisions without raising any objections to them.

Law firm Leigh Day is representing the younger police officers and will pursue compensation on their behalf in future hearings. The tribunal's judgment has been hailed as an overwhelming win for the officers and a damning assessment of the PFEW's actions over more than a decade. The PFEW is criticised for failing in its responsibility to protect and represent its members while actively campaigning against police pension claims. The judgment provides a sense of vindication for the affected officers, who stood together to challenge what they saw as clear discrimination.

A senior associate at Leigh Day highlighted the PFEW's lack of action in challenging the government's discriminatory pension arrangements, stressing the detrimental impact on many young police officers. The judgment calls into question the conduct of the PFEW and raises concerns about its failure to address equalities issues and consult its membership on significant matters like pensions.

The employment tribunal's ruling against the Police Federation of England and Wales confirms the existence of discrimination and victimisation against officers who made pension claims. The judgment criticises the PFEW for its skewed narrative and failure to consider less discriminatory alternatives. The case highlights the need for organisations like the PFEW to fulfill their responsibility to protect and represent their members, rather than campaigning against their interests. As the affected officers seek compensation, the ruling serves as a vindication of their claims and a step towards rectifying the injustices they faced.

The Equal Representation for Expert Witnesses (ERE) initiative, launched in 2021, aims to address the gender imbalance in the field of expert witnesses. Inspired by the success of the Equal Representation in Arbitration Pledge (ERA), the ERE Pledge seeks to improve the visibility and representation of women in the role of expert witnesses.

The ERE Pledge, developed with input from professionals in dispute resolution on both sides of the Atlantic, seeks to achieve proportional representation and eventually full parity for women as expert witnesses. It advocates for equal opportunities in hiring, mentoring and promoting women experts. By creating a coalition of supporters and advocates in the world of dispute resolution, the initiative aims to encourage action and advocacy to enhance the opportunities for women in the field.

Co-Founders Kathryn Britten and Isabel Kunsman, both experienced expert witnesses themselves, expressed their motivations behind the initiative. Britten, with almost 30 years of experience, highlighted her concern over the limited number of women appointed as opposing experts, despite witnessing the excellent work produced by capable women in supporting roles. Kunsman emphasised the need to address the underrepresentation of women, particularly as testifying expert witnesses, in higher ranks.

The Academy of Experts, represented on the ERE Global Steering Committee, supports the ERE Pledge as part of its commitment to equality, diversity and inclusion (ED&I). Chairman Derek Nelson acknowledges the talent of women in various professional disciplines and emphasises the Academy's dedication to promoting the development and selection of experts based on merit.

The ERE Pledge aims to overcome the challenges faced by women in the field of expert witnesses globally. It seeks to widen the pool of available expert witnesses and enhance their reputation. By encouraging women to aspire to become expert witnesses in their chosen professions and providing them with better opportunities to achieve their goals, the initiative strives to create a more equitable and diverse landscape in dispute resolution.

Simon Berney-Edwards, Chief Executive Officer of the Expert Witness Institute, expressed delight at signing the ERE Pledge, acknowledging the lack of gender diversity among expert witnesses. He stressed the importance of collaboration with the ERE Global Steering Committee and urged all members of the institute to support the pledge and consider steps to encourage and support more women in becoming expert witnesses.

The ERE Pledge, as a sister pledge to the ERA, aims to improve the representation and visibility of women as expert witnesses. By advocating for equal opportunities, supporting women experts and creating a network of supporters and advocates, the initiative aims to achieve proportional representation and empower women to thrive in the field of dispute resolution. With the support of organisations like the Academy of Experts and the Expert Witness Institute, the ERE Pledge is set to make a significant impact in driving gender equality in the realm of expert witnesses.

Amazon, one of the world's leading e-commerce companies, has recently implemented new flexible working initiatives aimed at supporting the needs of its employees. The introduction of term-time contracts and flexible part-time contracts demonstrates Amazon's commitment to work-life balance and providing opportunities for individuals with family or other commitments that require flexibility. These innovative measures have been driven by employee feedback and are hopefully set to make a positive difference for many workers within the company.

To better assist parents and grandparents in juggling their childcare responsibilities with work, Amazon has introduced "term-time-only contracts" for employees in its UK warehouses. This ground-breaking policy allows workers to align their holidays with their children's school breaks, providing them with six weeks off during the summer and two weeks off during Easter and Christmas when schools are closed. By offering this flexibility, Amazon aims to support family needs and promote a healthy work-life balance.

Amazon has also launched a new flexible part-time contract option. Employees now have the freedom to choose from a minimum of 80 hours per month and customise their shifts based on their personal requirements. This contract aids individuals who may be unable to find work due to family or other commitments, giving them the opportunity to return to the workplace on their terms.

Amazon believe that the success of this initiative, which has been piloted at several fulfilment centres and expanded to additional sites, further emphasises their commitment to listening to employee feedback and implementing meaningful change.

John Boumphrey - Amazon's UK Country Manager - expressed his enthusiasm for these new initiatives, stating that they provide even more choice for employees. He stated:

“I’m delighted to announce these new flexible working initiatives that provide even more choice for current and future employees, enabling them to better manage their home and work commitments.

He added:

“Providing a flexible part-time contract where people can pick the shifts that best suit their needs will support our employees’ partners and other job-seekers with family caring commitments a route back to the workplace, helping to boost household income.”

By offering term-time contracts and flexible part-time options, Amazon say they aim to support its employees' partners and other job-seekers who have family caring responsibilities.  It is hoped these measures not only contribute to improved work-life balance but also help increase household income by providing opportunities for individuals to return to the workplace and contribute to their families' financial well-being.

The introduction of these flexible contracts is a direct result of employees' desires for greater work flexibility. Marianna Desai - Regional Operations Director - expressed pride in the company's ability to introduce new and innovative options based on employee feedback. She said:

“We’ve listened to our employees’ views on flexible working and I’m really proud that we’ve introduced new and innovative options based on their feedback.

“Both of these contracts put a really important emphasis on work-life balance and I’m certain they’re going to make a positive difference for many of our people.”

The Trades Union Congress (TUC) has called for urgent action from the government to address pension inequalities, after new analysis revealed that women are more than twice as likely as men to miss out on automatic pensions enrolment. The TUC's research found that approximately 10.9% of female employees (1 in 9) are in jobs where their employers are not required to enter them into a workplace pension, compared to just 4.3% (less than 1 in 20) of men.

The analysis also highlighted regional disparities, with Northern Ireland (15.2%), the West Midlands (14.5%), and Wales (14.2%) having the highest proportions of women employees who do not qualify for auto-enrolment. On the other hand, London (7%) has the lowest proportion. These discrepancies indicate a pressing need for action to address the gender pension gap, as women continue to be disproportionately affected.

Under current regulations, employers must automatically enrol workers earning £10,000 or more per year into a pension scheme and make contributions on their behalf. However, around 1.4 million women earn less than this threshold, leaving them without an occupational pension. This issue becomes even more concerning when considering the future reforms proposed by the government, such as lowering the age threshold for auto-enrolment to 18. The TUC's analysis revealed that a significant number of young workers, especially women, in low-paid and part-time jobs do not earn enough to be automatically enrolled. Specifically, more than one-third (36%) of younger women and 15% of younger men aged 18-21 fall into this category.

The gender pension gap has reached an alarming level, with an estimated income gap of 40.5% between men and women in retirement. This figure is more than double the current gender pay gap of 14.9% and represents the highest gender pension gap since 2015-16 when it stood at 40.7%. The TUC has identified several key drivers behind this disparity.

Caring responsibilities, where women are more likely to take time off work or work part-time to care for children, significantly impact their ability to accumulate a sufficient workplace pension.

The gender pay gap, resulting from women earning less than men over time, also contributes to the pension gap. Furthermore, gaps in pension auto-enrolment disproportionately affect low-paid workers, who are more likely to be women.

Lastly, historical differences in National Insurance have led to lower state pensions for women on average.

The TUC emphasises that unless these disparities in pension wealth are addressed, the gender pension gap will persist when today's workers reach retirement. TUC General Secretary Paul Nowak has called for increased investment in childcare and social care, industries where women are predominantly employed. He believes that closing the gender pay gap and improving retirement incomes for women starts with these investments.

To address the gender pension gap, the TUC has proposed several measures for the government to consider. Firstly, a statutory requirement for ministers to report on the gender pension gap should be introduced, accompanied by an action plan to tackle this issue.

Secondly, auto-enrolment should be improved to include all workers, irrespective of income, by removing the earnings threshold and lower earnings limit.

Moreover, the government should outline a timetable for increasing statutory minimum employer contributions from the current 3% to ensure all workers receive decent contributions.

Lastly, the introduction of funded, high-quality childcare accessible to all and free of charge is crucial, as caring responsibilities significantly impact women's ability to build up pension savings.

The TUC's findings highlight the urgent need for government intervention to address the gender pension gap and prevent a future generation of retired women from facing poverty. By implementing the recommended measures, the government can take decisive steps toward closing the gap and ensuring that all women have access to a decent income in retirement

In a significant development, three women spearheading the equal pay battle against Next - a prominent high street retailer - have achieved a crucial milestone by gaining permission to proceed with their case to the final stage. Should they succeed, the outcome could lead to Next paying out tens of millions of pounds in backdated pay compensation.

Last week, the employment tribunal in Leeds delivered a unanimous ruling, affirming that the sales consultants - who are predominantly women - perform work that is of equal value to the tasks carried out by warehouse operatives, who are predominantly men. Consequently, the tribunal concluded that both groups should be remunerated at the same rate.

Since the commencement of this legal battle in 2018, more than 2,000 current and former sales consultants have joined forces with the three lead claimants, amplifying the magnitude and impact of the case. It is anticipated that the number of participants will continue to grow as the proceedings progress, potentially surpassing expectations by the time the case reaches its conclusion in May 2024.

In the event that the claimants are victorious, the sales consultants could be entitled to receive up to six years of back pay, covering the period from the initiation of the claim until the case's conclusion. This compensation would bridge the pay disparity between the sales consultants and their counterparts in the warehouse.

Additionally, contracts will be automatically amended to ensure that sales consultants are remunerated equitably for work of equal value in the future. This crucial change aims to rectify the existing gender pay discrepancy within Next.

The determination of the relative value of the sales consultants' work versus that of the warehouse operatives was established based on 11 factors assessed by experts appointed by the tribunal. These factors encompassed various aspects such as the physical skill and effort required for each job, the knowledge necessary and the demanding nature of the working conditions.

Notably, the tribunal found that in nine of the factors evaluated, the sales consultants' roles were deemed equal to or even surpassing the positions held by warehouse operatives. This finding strongly supports the claimants' argument for equitable pay and emphasizes the significance of their case.

Next, which employs over 15,000 sales consultants across its vast network of 400-plus stores in the UK, had initially disputed the notion of equal work between the two groups. However, the recent tribunal ruling has established a crucial legal precedent, shedding light on the gender pay disparity within the company.

This victory marks a significant step forward in the fight for gender pay equality, as it not only brings potential financial restitution to the claimants but also sets a precedent for other retail establishments to re-evaluate their pay structures and ensure equitable compensation for work of equal value. The outcome of this case has the potential to reshape the landscape of retail employment and promote fairness and inclusivity within the industry.