Pensions in the UK are retirement plans that provide income. State pensions are from the government and depend on worker contributions. Private pensions, started by individuals or provided by employers, can be defined contribution (DC) or defined benefit (DB). DC pensions grow with investments and the amount withdrawn depends on contributions and returns. DB pensions provide a promised income based on salary and length of service. Planning for a pension is crucial for retirement in the UK.

Indefinite Leave to Remain (ILR) is a type of immigration status in the UK that permits non-EEA individuals to remain in the country without any time restrictions. It is also commonly known as settled status or permanent residency. An individual who has been granted ILR can live and work in the UK without needing any further permission or sponsorship.

To be eligible for ILR, an individual must have lived in the UK for a certain period of time and meet certain criteria such as passing the Life in the UK test, not having any criminal convictions and proof of English language proficiency. Once granted, ILR opens up various opportunities such as applying for British citizenship, sponsoring family members to come to the UK and accessing public funds.

It is important to note that ILR holders can lose their status if they spend too much time outside the UK, commit a criminal offence or fail to meet the criteria.