{"id":354948,"date":"2026-01-06T10:04:08","date_gmt":"2026-01-06T10:04:08","guid":{"rendered":"https:\/\/www.newsbeep.com\/uk\/354948\/"},"modified":"2026-01-06T10:04:08","modified_gmt":"2026-01-06T10:04:08","slug":"three-major-pension-reforms-happening-in-2026-what-you-need-to-know-money-blog-money-news","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/uk\/354948\/","title":{"rendered":"Three major pension reforms happening in 2026 &#8211; what you need to know | Money blog | Money News"},"content":{"rendered":"<p>\n                                    &#8216;My sister doesn&#8217;t have internet or a smartphone &#8211; how can she get online when she&#8217;s on benefits?&#8217;\n                                <\/p>\n<p>Every Tuesday, we get an expert to answer your financial problems or consumer disputes &#8211; you can\u00a0WhatsApp us\u00a0<a href=\"https:\/\/api.whatsapp.com\/send\/?phone=447583000853&amp;text&amp;type=phone_number&amp;app_absent=0\" target=\"_blank\" rel=\"nofollow noopener\">here<\/a>\u00a0or email moneyblog@sky.uk. Today&#8217;s problem is&#8230;<\/p>\n<p>My sister would like to get broadband\/WiFi where she lives. She is 69 and receives a state pension, but has no other form of income. She also gets housing benefit, soon to be transferred to universal credit &#8211; but is just over the amount to receive pension credit. She doesn&#8217;t have a landline, only an analogue mobile phone. She has a Gmail address. Is she eligible for a social tariff to enable her to receive cheaper broadband access? If not, are you aware of any companies that provide cheaper broadband deals? Any advice\/help would be most useful. <br \/>Ann Bettles<\/p>\n<p>Money blog editor Jimmy Rice tackles this one&#8230;<\/p>\n<p>Thanks for your email, Ann &#8211; there are a few routes to get help for your sister.<\/p>\n<p>As she&#8217;ll soon be on universal credit, she will be eligible for social tariffs with most broadband providers. They might be called &#8220;essential&#8221; or &#8220;basic&#8221; plans and they&#8217;re available to anyone on universal credit, pension credit, jobseeker&#8217;s allowance and a few other benefits.<\/p>\n<p>I&#8217;ve had a look, and the cheapest available right now are for \u00a312.50 a month with\u00a0<a href=\"https:\/\/www.virginmedia.com\/broadband\/low-income-families\" target=\"_blank\" rel=\"nofollow noopener\">Virgin Media<\/a>\u00a0and\u00a0<a href=\"https:\/\/communityfibre.co.uk\/35-mbps\" target=\"_blank\" rel=\"nofollow noopener\">Community Fibre<\/a>.\u00a0<\/p>\n<p>The\u00a015Mbps fibre\u00a0Virgin deal comes with free set-up and &#8211; this is significant &#8211; it would only tie her in for a rolling 30-day period.<\/p>\n<p>The Community Fibre deal also has free set-up and has a much better speed of 35 Mbit\/s &#8211; ample for keeping in touch with family and friends, and streaming TV shows &#8211; but would tie your sister in for 12 months.<\/p>\n<p>You can find a full list of the providers that have social tariffs via Ofcom <a href=\"https:\/\/www.ofcom.org.uk\/phones-and-broadband\/saving-money\/social-tariffs\" target=\"_blank\" rel=\"nofollow noopener\">here<\/a>. It would just be a case of calling &#8211; though without current access to the internet, your sister may need your help to find contact numbers.<\/p>\n<p>You mention your sister has an analogue phone. If at any point she were to get a smartphone, she might be able to access free data via the National Databank. Find out more details <a href=\"https:\/\/www.goodthingsfoundation.org\/our-services\/national-databank\" target=\"_blank\" rel=\"nofollow noopener\">here<\/a>.<\/p>\n<p>There are also several phone providers that offer social tariffs\u00a0 &#8211; O2&#8217;s costs \u00a310 a month and EE&#8217;s is available for \u00a312 a month.<\/p>\n<p>Both would provide an alternative route to internet access &#8211; though I appreciate your sister may not be in a position to afford either.<\/p>\n<p>The other route worth investigating is a local digital inclusion hub.<\/p>\n<p>The <a href=\"http:\/\/the https:\/\/www.goodthingsfoundation.org\/our-services\/national-digital-inclusion-network\" target=\"_blank\" rel=\"nofollow\">National Digital Inclusion Network<\/a>, run by Good Things Foundation, is made up of 7,300 organisations across the UK that offer access to the internet for free to those who are digitally excluded.<\/p>\n<p>Often these organisations also offer free digital skills sessions or even devices, so it&#8217;s well worth checking out.<\/p>\n<p>Finally, in your email you told us your sister didn&#8217;t have a landline. It&#8217;s worth knowing that BT and KCOM provide cheaper voice-only landline tariffs to eligible households, so you could look into that.<\/p>\n<p>This feature\u00a0is not intended as financial advice &#8211; the aim is to give an overview of the things you should think about.\u00a0Submit your dilemma or consumer dispute via:<\/p>\n<p>WhatsApp\u00a0<a href=\"https:\/\/api.whatsapp.com\/send\/?phone=447583000853&amp;text&amp;type=phone_number&amp;app_absent=0\" target=\"_blank\" data-sleek-node-id=\"d2bc88\" rel=\"nofollow noopener\">here<\/a>Or email moneyblog@sky.uk with the subject line &#8220;Money Problem&#8221;<\/p>\n","protected":false},"excerpt":{"rendered":"&#8216;My sister doesn&#8217;t have internet or a smartphone &#8211; how can she get online when she&#8217;s on benefits?&#8217;&hellip;\n","protected":false},"author":2,"featured_media":354949,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[84,4176,4174,4175,56,54,55],"class_list":{"0":"post-354948","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"tag-business","9":"tag-finance","10":"tag-personal-finance","11":"tag-personalfinance","12":"tag-uk","13":"tag-united-kingdom","14":"tag-unitedkingdom"},"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/354948","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/comments?post=354948"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/354948\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media\/354949"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media?parent=354948"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/categories?post=354948"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/tags?post=354948"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}