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The Sackers Quarterly Briefing Q3 2026 examines critical developments in pensions law and regulation, including the Pensions Schemes Act 2026, risk transfer strategies for small schemes, and emerging regulatory frameworks. The briefing provides comprehensive analysis of pension transfers, collective defined contribution schemes, pensions dashboards, and the evolving consumer duty landscape.

Many DB pension schemes approaching buy-out face unexpected obstacles from legacy hybrid underpin benefits that don't fit standard insurance models. These complex benefit structures can narrow insurer appetite and complicate risk transfer, but trustees have options to simplify them through actuarial equivalence exercises before entering insurance contracts.

The use of AI tools (eg ChatGPT or Claude) by pension scheme members is no longer hypothetical. It is already reshaping how some complaints are drafted, framed and pursued.

The normal minimum pension age is set to increase from 55 to 57 on 6 April 2028, creating important implications for pension scheme trustees and members. Understanding protected pension age provisions...

The UK government has unveiled proposals for automatically consolidating small deferred pension pots through multiple consolidator schemes, addressing the growing challenge of 13 million pots worth less than £1,000. The consultation explores a federated delivery model with central oversight, examining authorisation regimes, data infrastructure requirements, and regulatory frameworks across both trust-based and contract-based pension schemes.

The Pension Schemes Act 2026 (“PSA26”) will introduce a raft of new measures for DC schemes.