Pensions were the main focus of the Queen’s Speech, delivered in Parliament today, with reforms affecting childcare subsidies and minimum wage dodgers also featuring prominently.

The Queen’s Speech is delivered by the Queen – as the name suggests – but written by ministers and approved by the government.

It outlines policy plans for the year ahead, and today’s speech was the government’s last before next year’s general election.

Pensions came out top with more details on annuity reforms helping people withdraw pension-pots early and a separate bill allowing employees to pay into collective pension funds.

In other announcements, the Queen confirmed changes to childcare subsidies and highlighted help for pub landlords who are exploited by parent breweries.

There was a bill to protect people from negligence claims if they were acting in the public interest, curbs on redundancy payments for well-paid public servants and plans to introduce a 5p charge for plastic bags in England.