In line with this, insurance providers are to be forced to ensure their schemes are independently scrutinised, also by April 2015.Webb said the requirement for governance committees in non-trust schemes means there would be, for the first time, a body acting on behalf of members in every pension scheme.The 75bps charge cap move by the government represents a much harder line than three previous options put out to consultation.In October 2013, the Department for Work & Pensions (DWP) suggested imposing either an absolute 75bps or 100bps cap, or allowing a comply and explain mechanism between the two.The consultation, however, led to further complications for the government, as it was forced to delay its response and suggested measures, with a cap initially expected to be in place by next week, and not 2015.However, after eventually forging a response, the 75bps will also be joined by increased transparency requirements for pension schemes.Under a new legal duty, trustees and independent governance committees will be forced to demand all charge data from providers, in order to scrutinise value for money.The government is also to consult with the Financial Conduct Authority on how to define additional member transaction costs for disclosure, and how to include this in the cap.“Over the next 10 years, the new charge cap will transfer £200m from the profits of the pensions industry to the pockets of savers,” Webb said.“To shine some light into the dark corners of the pensions industry, we will enforce full transparency on all charges faced by pension members. People need to have confidence [they’re] putting money into good pension schemes where their money will be looked after.”In additional moves, the government will also outlaw active member discounts, where charges are added when a member moves employers and ceases contributions.It will also outlaw consultancy charging and commission, where members are charged, via the scheme, for services received by their employer or sales commission. The UK government has moved to cap the charges borne by members saving into auto-enrolment defined contribution (DC) schemes, as its overhaul of the market continues.Announcing the reforms in Parliament, pensions minister Steve Webb said the proposed 75 basis point cap on DC default fund charges would be in place by April 2015.Schemes with all-inclusive annual and default fund charges will also see equivalent caps put into place.The government will also compel DC pension providers to reveal fully all member-borne charges to either trustees or independent governance committees in the case of non-trust DC schemes.
Oldenburg, In. — Combating the drug epidemic plaguing our state continues to be a top priority for legislators, as opioid pain reliever-related deaths have increased almost 2,000 percent since 2000.To help curb this issue, the General Assembly has implemented a three-pronged approach — prevention, treatment and enforcement.Below are some of the new laws I supported during the 2018 session with this approach in mind.PreventionSenate Enrolled Act 221 helps prevent opioid abuse by phasing in a requirement for doctors to check INSPECT, the state’s prescription-monitoring service, when prescribing opioids to patients.TreatmentHouse Enrolled Act 1006 expands the availability of treatment for those in the criminal justice system by creating a pilot program that expands Indiana’s existing mental health and addiction-treatment fund to include not only felons, but also individuals charged with misdemeanors.House Enrolled Act 1007 allows for nine additional opioid treatment programs to be opened throughout the state, making it easier for residents to seek the care they need.EnforcementHouse Enrolled Act 1359 allows for an increase in sentencing for a drug dealer if one of their drug sales leads to a fatal overdose.In addition, I supported Senate Enrolled Act 139, which requires county coroners to further investigate suspected overdose deaths. It is our hope that SEA 139 will give the state more data to use as we fight this crisis.Click here to watch a brief video explaining our efforts to prevent opioid addiction.
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