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Benefit change affects millions Benefit change affects millions
(about 1 hour later)
BBC Radio 4's Money Box Saturday, 11 April 2009 at 1204 BST On Radio 4 and OnlineBBC Radio 4's Money Box Saturday, 11 April 2009 at 1204 BST On Radio 4 and Online
Millions of people who claim weekly social security benefits will begin to get them less frequently or later from this week.Millions of people who claim weekly social security benefits will begin to get them less frequently or later from this week.
Lone parents, widows, disabled and unemployed people are among those affected by the change in the way that benefits are paid.Lone parents, widows, disabled and unemployed people are among those affected by the change in the way that benefits are paid.
The government is switching most people from weekly to fortnightly payments and all money will eventually be paid in arrears.The government is switching most people from weekly to fortnightly payments and all money will eventually be paid in arrears.
The process of converting customers began on 6 April and will continue over two years up to 31 March 2011.The process of converting customers began on 6 April and will continue over two years up to 31 March 2011.
On Money Box on Saturday, we ask Government Minister Rosie Winterton why the change is being made and discuss the implications with Eddie Graham of Child Poverty Action Group and Liberal Democrat MP Steve Webb.On Money Box on Saturday, we ask Government Minister Rosie Winterton why the change is being made and discuss the implications with Eddie Graham of Child Poverty Action Group and Liberal Democrat MP Steve Webb.
Further information: Benefits: Your questions In depth: Benefits and tax credits External internet links and helplines Further information: Benefits: Your questions In depth: Benefits and tax credits External internet links and helplines
The future of pensionsThe future of pensions
Money Box asks the experts what lies ahead for your pension savingsMoney Box asks the experts what lies ahead for your pension savings
It is not a good year for pensions. The plunging stock market has wiped more than £161 bn off the pension pots of millions of people who followed government advice to save for retirement.It is not a good year for pensions. The plunging stock market has wiped more than £161 bn off the pension pots of millions of people who followed government advice to save for retirement.
And many companies are closing down or restricting their own schemes which used to offer the best guarantees for a decent pension in retirement.And many companies are closing down or restricting their own schemes which used to offer the best guarantees for a decent pension in retirement.
Over the next two weeks, Money Box will debate the future of pensions with four experts in the field.Over the next two weeks, Money Box will debate the future of pensions with four experts in the field.
We start with a look at company schemes and speak to:We start with a look at company schemes and speak to:
  • Joanne Segars of the National Association of Pension Funds
  • Tom McPhail of independent financial advisers Hargreaves Lansdowne
  • Glynn Jenkins of Unison
  • John Ralfe, independent pensions consultant
  • Joanne Segars of the National Association of Pension Funds
  • Tom McPhail of independent financial advisers Hargreaves Lansdowne
  • Glynn Jenkins of Unison
  • John Ralfe, independent pensions consultant
Have Your Say: The future of pensions
Further information: Recession hits private pensions Aon to cut pension contributions Pension fund deficits at new high External internet links and helplines Further information: Recession hits private pensions Aon to cut pension contributions Pension fund deficits at new high External internet links and helplines
XL compensationXL compensation
The leisure group collapsed leaving customers out-of-pocketThe leisure group collapsed leaving customers out-of-pocket
It is more than six months since the collapse of holiday firm XL and some customers who paid on a credit card are particularly frustrated that they have still not got their money back.It is more than six months since the collapse of holiday firm XL and some customers who paid on a credit card are particularly frustrated that they have still not got their money back.
If they paid for their holiday through an Atol-bonded travel agent they should have had dual protection - from the Atol compensation scheme and their credit card company.If they paid for their holiday through an Atol-bonded travel agent they should have had dual protection - from the Atol compensation scheme and their credit card company.
But in some cases neither is accepting responsibility, leaving some worried they will never get their cash back.But in some cases neither is accepting responsibility, leaving some worried they will never get their cash back.
Bob Howard reports.Bob Howard reports.
Further information: Holiday refund scheme criticised External internet links and helplines Further information: Holiday refund scheme criticised External internet links and helplines
Benevolent fundsBenevolent funds
Benevolent funds help people with their costs in times of hardshipBenevolent funds help people with their costs in times of hardship
With more than 4,000 people losing their jobs every working day it is hardly surprising that charities that give money to those in hardship have seen an increase in the number of people needing help.With more than 4,000 people losing their jobs every working day it is hardly surprising that charities that give money to those in hardship have seen an increase in the number of people needing help.
Many are people who never thought they would need to go to charity for help.Many are people who never thought they would need to go to charity for help.
If you have worked in specific industries, there may be benevolent funds available to help you with mounting costs, even if you are in work.If you have worked in specific industries, there may be benevolent funds available to help you with mounting costs, even if you are in work.
We hear from Mike Carter, chair of the Association of Charity Officers.We hear from Mike Carter, chair of the Association of Charity Officers.
Further information: Holiday refund scheme criticised External internet links and helplines Further information: Holiday refund scheme criticised External internet links and helplines
BBC Radio 4's Money Box will be broadcast on Saturday 11 April 2009 at 1204 BST.BBC Radio 4's Money Box will be broadcast on Saturday 11 April 2009 at 1204 BST.
The programme will be repeated on Sunday, 12 April at 2102 BST.The programme will be repeated on Sunday, 12 April at 2102 BST.