Under current proposals the DRA will be phased-out from 6 April 2011. Compulsory retirement will be unlawful unless it can be objectively justified. Employers will need to review policies on how to deal with ageing employees without contravening legislation. Trustees will need to review scheme rules for changes required to permit late/flexible retirement. Problems may be encountered with insured death benefits, as insurance for over 65s may be expensive.