The government has published its final plan to reform public sector pensions in the Isle of Man.
Fifteen separate schemes will be streamlined, to create a single, unified Manx pension scheme for 7,000 public servants.
Government says it has to act now to protect exisiting and future pensions, and reduce liabilities to the taxpayer.
And it says the new scheme will not 'cap' lump-sum retirement payments, as is being proposed in the United Kingdom.
Staff pension schemes are expected to cost around ?48 million in the current financial year and Chief Minister Tony Brown says many people will have to pay higher contributions to protect their pensions:
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