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Non-Executive Director (Board member)
Positive Money is a leading international think tank and campaign organisation working to redesign our economic system for social justice and a liveable planet. We publish research, advocate for our proposals with politicians, policymakers, and the press, collaborate with civil society, and mobilise our community of supporters with digital campaigns. We work across six key areas: racial economic justice, finance and democracy, green finance, the future of money, housing, and macroeconomics.
We are seeking up to 4 new Non-Executive Directors (NEDs) to join the board of Positive Money UK. Our board is a non-executive body responsible for the organisation’s vision, mission, strategic direction, finances and governance. These positions are voluntary and unremunerated. Our board meets four times per year at our office in Vauxhall, and NEDs also support the organisation via membership of occasional working groups, or in reviewing policies or other documents.
We are looking for people who will bring strategic insight and either have, or wish to develop, a good understanding of governance. At a time when the funding landscape for our sector is volatile, we are also seeking people who can bring insight, experience or new connections to our fundraising efforts. We are also seeking a candidate with a strong finance background to take over from our current Non-Executive Finance Director, who will be retiring at the end of his term by the end of 2027. We are not seeking all these attributes in each candidate, and recognise that different candidates will bring different strengths and skillsets. See our application pack (link below) for full details
We are committed to diversity, equity, inclusion, and accessibility and aim to dismantle oppression in all areas of our work. If you have any questions or considerations you would like us to accommodate in the recruitment process, please contact us.
Contract: Voluntary unremunerated position
Time commitment: Attendance at four board meetings annually, including at least three in person. NEDs may also be asked to review policies, proposals or other documents for the organisation or serve on occasional working groups. NEDs generally spend 3-5 hours per month on Board work.
Deadline: Closing date for applications is 9am Mon 7th Sept with interviews held on Wed 16th Sept
There will also be an open webinar on Wed 26th August at 6pm at which some current board members and Co-ED’s at Positive Money will speak a little more about the organisation and the role, and take questions.
Start Date: We aim to appoint new NEDs formally at our Dec board meeting. We may also invite successful candidates to attend some upcoming strategy development sessions this autumn, see application pack for dates and further details.
How to apply: Please visit our website vacancies page to view a full application pack and details of how to apply.
The client requests no contact from agencies or media sales.
Actively Interviewing
This organisation is scheduling interviews as applications come in. They're ready to hire as soon as they find the right person. Don't miss your opportunity, apply now!
About QuilomboUK QuilomboUK is an organisation that works for fairness and social justice. We believe in a "People First" way of working. Our goal is to make sure every person is heard and respected in the workplace. Join our remote team to help people find jobs and feel like they belong.
Role Overview As the Manager: Placements, you will lead the entire Placements Department. Your job is to make sure your team finds paid jobs for our participants at other companies. You will manage the Team Leaders and ensure the department hits its high performance targets. The ideal candidate has strong leadership skills and deep experience in the recruitment industry.
Key Responsibilities
Department Leadership: Take full responsibility for the Placements Team and ensure all staff follow mandatory protocols.
Strategy: Mana
Performance Targets: Ensure the department reaches the 95% weekly completion target and follows the "ABC" method.
External Relations: Build high-level partnerships with external companies to create more job opportunities for our participants.
Commission Management: Oversee and approve the commission payments for each successful placement made by your team.
Problem Solving: Identify gaps in the recruitment process and use AI or new strategies to fix them.
Quality Control: Ensure every participant is correctly matched and that their First Day Training (FDT) is confirmed by the employer.
Key Skills & Qualifications
Experience: 3+ years of experience in recruitment or placement services, with a history of managing teams.
Education: A degree in Human Resources, Business, or a related field is preferred.
Leadership: Strong ability to lead and motivate a large remote team.
Communication: Excellent skills in professional UK English to influence senior stakeholders.
Decision Making: Ability to make quick decisions to move candidates forward within 48 hours.
Technology: Highly skilled in using MS Office and Applicant Tracking Systems (ATS).
The Professional Development Programme with Quilombo UK is a 16-week unpaid Professional Development Programme. It requires a commitment of at least 12 hours per week, typically across two 6-hour workdays (Monday to Friday).
QUILOMBO UK wants an inclusive workplace where everyone is treated fairly. We follow the Equality Act 2010 and do not tolerate discrimination of any kind.
Why Join QuilomboUK?
Impact: Lead the team that directly helps people move into paid employment.
Growth: Develop your senior leadership skills in a values-driven environment.
Culture: Join a collaborative team where authenticity and courage are celebrated.
Flexibility: Work from home with autonomy to lead your department.
Actively Interviewing
This organisation is scheduling interviews as applications come in. They're ready to hire as soon as they find the right person. Don't miss your opportunity, apply now!
Branch Coordinator
Across the UK, our 65 local branches help disabled people live more independently. Our network of skilled volunteers respond to thousands of requests each year to design and make customised equipment free of charge.
As our local Branch Coordinator, you’ll take the lead in making sure your local branch works as effectively as possible. You’ll recruit, induct, and support other branch volunteers to make sure your branch’s activities meet the needs of your local disabled community.
You’ll bring your leadership, management, communication, organisation, and motivation skills to this role.
Most importantly, you’ll help disabled people to live more independent lives.
What the role involves
This role may vary depending on local needs but is likely to include:
• Coordinating the activities of our local branch to undertake and meet the needs of referrals in your area
• Coordinating and chairing the branch meetings
• Leading the branch’s shared responsibility for planning and completing referrals
• Coordinating the recruitment, induction, and ongoing support of new local branch volunteers
• Approving income and expenditure with the other branch bank account signatories and ensuring with the Treasurer that our financial requirements and policies relating to branches are followed
• Ensuring the branch’s activities comply with policies to keep people safe
• Regularly communicate and act as a key contact between staff and volunteers
What you need for this role
Essential
• Confident in leading and chairing a meeting
• Confident using Microsoft Office, the internet and email
• Willingness to attend local events to promote the charity’s work
• Ability to understand and follow external and internal policies and procedures
Desirable
• Self-aware of own management style and ability to lead a team, taking a supporting and coaching approach with other volunteers
• Able to communicate to different audiences, including decision-makers and volunteers
• Able to delegate and motivate the activities of others
• Enthusiastic about raising awareness of the charity’s work in the local area
• Willingness to develop skills and experience
To volunteer in this role, you will need to:
• Complete references
• Complete induction including online and virtual training- as directed by central staff
• Undertake a PVG check if it is necessary for the role
Additional information about our Volunteering programme:
When you volunteer with us, you join a community of committed people with a passion for helping to improve the lives of others. To undertake this specific role, you do not need to be an engineer/skilled craftsperson.
REMAP exists to improve the quality of life for people who experience short or long-term disability through infirmity, illness or ageing.
Actively Interviewing
This organisation is scheduling interviews as applications come in. They're ready to hire as soon as they find the right person. Don't miss your opportunity, apply now!
The Volunteer Team Leader / Deputy Team Leader leads the local volunteer team by motivating and supporting members to deliver agreed objectives. The role provides strategic direction, management, and guidance while ensuring a positive, inclusive, and effective team environment.
What will you be doing?
To lead, motivate and support the local volunteer team in developing, delivering and monitoring a yearly local strategy that aligns with Crimestoppers's vision, mission and organisational priorities.
What are we looking for?
What difference will you make?
As Volunteer Team Leader / Deputy Team Leader, you will play a key role in empowering people to create safer communities.
You will lead the local volunteer team, setting direction and ensuring activity aligns with Crimestoppers’ mission that people are the ones who stop crime.
You will working closely with the Police, Community Safety Partnerships, and local organisations, and help deliver campaigns and events that improve community safety.
Through regular communication with regional and national staff, you will ensure your volunteers stay informed, connected, and supported.
You also help to recruit, support, and develop volunteers, creating an inclusive and motivated local team.
Volunteer Team Leader / Deputy Team Leader applicants must live in the local area where you are applying.
This role requires a commitment of around three years to support continuity and effective delivery. Monthly time commitments vary and may include:
Actively Interviewing
This organisation is scheduling interviews as applications come in. They're ready to hire as soon as they find the right person. Don't miss your opportunity, apply now!
Volunteer Branch Organiser
Across the UK, our local branches help disabled people live the lives they choose. Every year, our skilled volunteers respond to thousands of requests, designing and creating bespoke equipment free of charge.
As a Branch Organiser, you’ll play a key role in helping to make sure your local branch runs smoothly and effectively. You’ll recruit, welcome, and support volunteers, ensuring the team’s work meets the needs of disabled people in your area. You’ll bring motivation, leadership, and strong communication and organisational skills to the heart of your branch.
What the role involves
This is a varied role where local needs shape what you’ll be working on, but it often includes:
• Coordinating the activities of our local branch to undertake and meet the needs of referrals in your area
• Organising and chairing the branch meetings
• Leading the branch’s shared responsibility for planning and completing referrals
• Coordinating the recruitment, induction, and ongoing support of new local branch volunteers
• Approving income and expenditure with the other branch bank account signatories and ensuring, with the Treasurer that our financial requirements and policies relating to branches are followed
• Ensuring the branch’s activities comply with policies to keep people safe
• Acting as a key point of contact, maintaining regular communication between volunteers and staff.
What you’ll need for this role
Essential
• A love of being organised.
• Confidence in leading meetings.
• Ability to use Microsoft Office, the internet, and email.
• The ability to understand and follow internal and external policies and procedures.
• A commitment to keeping personal information safe.
• Willingness to follow REMAP’s policies, procedures, and values.
• Occasional availability to attend local events to promote the charity’s work.
Desirable
• Confidence communicating with a wide range of people.
• Ability to delegate tasks and motivate others.
• Enthusiasm for raising awareness of the charity locally.
• A willingness to develop new skills and experience. You’ll also be asked to complete our induction checklist.
Why volunteer with us?
When you volunteer with us, you become part of a supportive community of people who are passionate about improving the lives of others. We are a volunteer-led organisation, and we couldn’t do what we do without your skills, commitment, and generosity of spirit.
Please note: We reimburse all reasonable out-of-pocket expenses.
REMAP exists to improve the quality of life for people who experience short or long-term disability through infirmity, illness or ageing.
The client requests no contact from agencies or media sales.
Actively Interviewing
This organisation is scheduling interviews as applications come in. They're ready to hire as soon as they find the right person. Don't miss your opportunity, apply now!
The Volunteer Team Leader / Deputy Team Leader leads the local volunteer team by motivating and supporting members to deliver agreed objectives. The role provides strategic direction, management, and guidance while ensuring a positive, inclusive, and effective team environment.
What will you be doing?
To lead, motivate and support the local volunteer team in developing, delivering and monitoring a yearly local strategy that aligns with Crimestoppers's vision, mission and organisational priorities.
What are we looking for?
What difference will you make?
As Volunteer Team Leader / Deputy Team Leader, you will play a key role in empowering people to create safer communities.
You will lead the local volunteer team, setting direction and ensuring activity aligns with Crimestoppers’ mission that people are the ones who stop crime.
You will working closely with the Police, Community Safety Partnerships, and local organisations, and help deliver campaigns and events that improve community safety.
Through regular communication with regional and national staff, you will ensure your volunteers stay informed, connected, and supported.
You also help to recruit, support, and develop volunteers, creating an inclusive and motivated local team.
Volunteer Team Leader / Deputy Team Leader applicants must live in the local area where you are applying.
This role requires a commitment of around three years to support continuity and effective delivery. Monthly time commitments vary and may include:
Actively Interviewing
This organisation is scheduling interviews as applications come in. They're ready to hire as soon as they find the right person. Don't miss your opportunity, apply now!
The Volunteer Team Leader / Deputy Team Leader leads the local volunteer team by motivating and supporting members to deliver agreed objectives. The role provides strategic direction, management, and guidance while ensuring a positive, inclusive, and effective team environment.
What will you be doing?
To lead, motivate and support the local volunteer team in developing, delivering and monitoring a yearly local strategy that aligns with Crimestoppers's vision, mission and organisational priorities.
What are we looking for?
What difference will you make?
As Volunteer Team Leader / Deputy Team Leader, you will play a key role in empowering people to create safer communities.
You will lead the local volunteer team, setting direction and ensuring activity aligns with Crimestoppers’ mission that people are the ones who stop crime.
You will working closely with the Police, Community Safety Partnerships, and local organisations, and help deliver campaigns and events that improve community safety.
Through regular communication with regional and national staff, you will ensure your volunteers stay informed, connected, and supported.
You also help to recruit, support, and develop volunteers, creating an inclusive and motivated local team.
Volunteer Team Leader / Deputy Team Leader applicants must live in the local area where you are applying.
This role requires a commitment of around three years to support continuity and effective delivery. Monthly time commitments vary and may include:
The client requests no contact from agencies or media sales.
Actively Interviewing
This organisation is scheduling interviews as applications come in. They're ready to hire as soon as they find the right person. Don't miss your opportunity, apply now!
The Volunteer Team Leader / Deputy Team Leader leads the local volunteer team by motivating and supporting members to deliver agreed objectives. The role provides strategic direction, management, and guidance while ensuring a positive, inclusive, and effective team environment.
What will you be doing?
To lead, motivate and support the local volunteer team in developing, delivering and monitoring a yearly local strategy that aligns with Crimestoppers's vision, mission and organisational priorities.
What are we looking for?
What difference will you make?
As Volunteer Team Leader / Deputy Team Leader, you will play a key role in empowering people to create safer communities.
You will lead the local volunteer team, setting direction and ensuring activity aligns with Crimestoppers’ mission that people are the ones who stop crime.
You will working closely with the Police, Community Safety Partnerships, and local organisations, and help deliver campaigns and events that improve community safety.
Through regular communication with regional and national staff, you will ensure your volunteers stay informed, connected, and supported.
You also help to recruit, support, and develop volunteers, creating an inclusive and motivated local team.
Volunteer Team Leader / Deputy Team Leader applicants must live in the local area where you are applying.
This role requires a commitment of around three years to support continuity and effective delivery. Monthly time commitments vary and may include:
• Local or national meetings
• Planning activities
• Partnership engagement
• Ongoing support for volunteers
The client requests no contact from agencies or media sales.
Actively Interviewing
This organisation is scheduling interviews as applications come in. They're ready to hire as soon as they find the right person. Don't miss your opportunity, apply now!
The Volunteer Team Leader / Deputy Team Leader leads the local volunteer team by motivating and supporting members to deliver agreed objectives. The role provides strategic direction, management, and guidance while ensuring a positive, inclusive, and effective team environment.
What will you be doing?
To lead, motivate and support the local volunteer team in developing, delivering and monitoring a yearly local strategy that aligns with Crimestoppers's vision, mission and organisational priorities.
What are we looking for?
What difference will you make?
As Volunteer Team Leader / Deputy Team Leader, you will play a key role in empowering people to create safer communities.
You will lead the local volunteer team, setting direction and ensuring activity aligns with Crimestoppers’ mission that people are the ones who stop crime.
You will working closely with the Police, Community Safety Partnerships, and local organisations, and help deliver campaigns and events that improve community safety.
Through regular communication with regional and national staff, you will ensure your volunteers stay informed, connected, and supported.
You also help to recruit, support, and develop volunteers, creating an inclusive and motivated local team.
Volunteer Team Leader / Deputy Team Leader applicants must live in the local area where you are applying.
This role requires a commitment of around three years to support continuity and effective delivery. Monthly time commitments vary and may include:
• Local or national meetings
• Planning activities
• Partnership engagement
• Ongoing support for volunteers
The client requests no contact from agencies or media sales.
Actively Interviewing
This organisation is scheduling interviews as applications come in. They're ready to hire as soon as they find the right person. Don't miss your opportunity, apply now!
The Volunteer Team Leader / Deputy Team Leader leads the local volunteer team by motivating and supporting members to deliver agreed objectives. The role provides strategic direction, management, and guidance while ensuring a positive, inclusive, and effective team environment.
What will you be doing?
To lead, motivate and support the local volunteer team in developing, delivering and monitoring a yearly local strategy that aligns with Crimestoppers's vision, mission and organisational priorities.
What are we looking for?
What difference will you make?
As Volunteer Team Leader / Deputy Team Leader, you will play a key role in empowering people to create safer communities.
You will lead the local volunteer team, setting direction and ensuring activity aligns with Crimestoppers’ mission that people are the ones who stop crime.
You will working closely with the Police, Community Safety Partnerships, and local organisations, and help deliver campaigns and events that improve community safety.
Through regular communication with regional and national staff, you will ensure your volunteers stay informed, connected, and supported.
You also help to recruit, support, and develop volunteers, creating an inclusive and motivated local team.
Volunteer Team Leader / Deputy Team Leader applicants must live in the local area where you are applying.
This role requires a commitment of around three years to support continuity and effective delivery. Monthly time commitments vary and may include:
Actively Interviewing
This organisation is scheduling interviews as applications come in. They're ready to hire as soon as they find the right person. Don't miss your opportunity, apply now!
Branch Coordinator
Across the UK, our 65 local branches help disabled people live more independently. Our network of skilled volunteers respond to thousands of requests each year to design and make customised equipment free of charge.
As our local Branch Coordinator, you’ll take the lead in making sure your local branch works as effectively as possible. You’ll recruit, induct, and support other branch volunteers to make sure your branch’s activities meet the needs of your local disabled community.
You’ll bring your leadership, management, communication, organisation, and motivation skills to this role.
Most importantly, you’ll help disabled people to live more independent lives.
What the role involves
This role may vary depending on local needs but is likely to include:
• Coordinating the activities of our local branch to undertake and meet the needs of referrals in your area
• Coordinating and chairing the branch meetings
• Leading the branch’s shared responsibility for planning and completing referrals
• Coordinating the recruitment, induction, and ongoing support of new local branch volunteers
• Approving income and expenditure with the other branch bank account signatories and ensuring with the Treasurer that our financial requirements and policies relating to branches are followed
• Ensuring the branch’s activities comply with policies to keep people safe
• Regularly communicate and act as a key contact between staff and volunteers
What you need for this role
Essential
• Confident in leading and chairing a meeting
• Confident using Microsoft Office, the internet and email
• Willingness to attend local events to promote the charity’s work
• Ability to understand and follow external and internal policies and procedures
Desirable
• Self-aware of own management style and ability to lead a team, taking a supporting and coaching approach with other volunteers
• Able to communicate to different audiences, including decision-makers and volunteers
• Able to delegate and motivate the activities of others
• Enthusiastic about raising awareness of the charity’s work in the local area
• Willingness to develop skills and experience
To volunteer in this role, you will need to:
• Complete references
• Complete induction including online and virtual training- as directed by central staff
• Undertake a DBS/PVG check if it is necessary for the role
Additional information about our Volunteering programme:
When you volunteer with us, you join a community of committed people with a passion for helping to improve the lives of others. To undertake this specific role, you do not need to be an engineer/skilled craftsperson.
REMAP exists to improve the quality of life for people who experience short or long-term disability through infirmity, illness or ageing.
Actively Interviewing
This organisation is scheduling interviews as applications come in. They're ready to hire as soon as they find the right person. Don't miss your opportunity, apply now!
The Volunteer Team Leader / Deputy Team Leader leads the local volunteer team by motivating and supporting members to deliver agreed objectives. The role provides strategic direction, management, and guidance while ensuring a positive, inclusive, and effective team environment.
What will you be doing?
To lead, motivate and support the local volunteer team in developing, delivering and monitoring a yearly local strategy that aligns with Crimestoppers's vision, mission and organisational priorities.
What are we looking for?
Strong leadership, interpersonal, and networking skills
Experience leading teams, meetings or projects
Confidence engaging with senior stakeholders and external partners
Ability to support and motivate volunteers from diverse backgrounds
Understanding of the local geographic area and community needs
Willingness to learn and develop knowledge of Crimestoppers's strategies and plans
What difference will you make?
As Volunteer Team Leader / Deputy Team Leader, you will play a key role in empowering people to create safer communities.
You will lead the local volunteer team, setting direction and ensuring activity aligns with Crimestoppers’ mission that people are the ones who stop crime.
You will working closely with the Police, Community Safety Partnerships, and local organisations, and help deliver campaigns and events that improve community safety.
Through regular communication with regional and national staff, you will ensure your volunteers stay informed, connected, and supported.
You also help to recruit, support, and develop volunteers, creating an inclusive and motivated local team.
Volunteer Team Leader / Deputy Team Leader applicants must live in the local area where you are applying.
This role requires a commitment of around three years to support continuity and effective delivery. Monthly time commitments vary and may include:
The client requests no contact from agencies or media sales.
Actively Interviewing
This organisation is scheduling interviews as applications come in. They're ready to hire as soon as they find the right person. Don't miss your opportunity, apply now!
The Volunteer Team Leader / Deputy Team Leader leads the local volunteer team by motivating and supporting members to deliver agreed objectives. The role provides strategic direction, management, and guidance while ensuring a positive, inclusive, and effective team environment.
What will you be doing?
To lead, motivate and support the local volunteer team in developing, delivering and monitoring a yearly local strategy that aligns with Crimestoppers's vision, mission and organisational priorities.
What are we looking for?
What difference will you make?
As Volunteer Team Leader / Deputy Team Leader, you will play a key role in empowering people to create safer communities.
You will lead the local volunteer team, setting direction and ensuring activity aligns with Crimestoppers’ mission that people are the ones who stop crime.
You will working closely with the Police, Community Safety Partnerships, and local organisations, and help deliver campaigns and events that improve community safety.
Through regular communication with regional and national staff, you will ensure your volunteers stay informed, connected, and supported.
You also help to recruit, support, and develop volunteers, creating an inclusive and motivated local team.
Volunteer Team Leader / Deputy Team Leader applicants must live in the local area where you are applying.
This role requires a commitment of around three years to support continuity and effective delivery. Monthly time commitments vary and may include:
The client requests no contact from agencies or media sales.
Actively Interviewing
This organisation is scheduling interviews as applications come in. They're ready to hire as soon as they find the right person. Don't miss your opportunity, apply now!
The Volunteer Team Leader / Deputy Team Leader leads the local volunteer team by motivating and supporting members to deliver agreed objectives. The role provides strategic direction, management, and guidance while ensuring a positive, inclusive, and effective team environment.
What will you be doing?
To lead, motivate and support the local volunteer team in developing, delivering and monitoring a yearly local strategy that aligns with Crimestoppers's vision, mission and organisational priorities.
What are we looking for?
What difference will you make?
As Volunteer Team Leader / Deputy Team Leader, you will play a key role in empowering people to create safer communities.
You will lead the local volunteer team, setting direction and ensuring activity aligns with Crimestoppers’ mission that people are the ones who stop crime.
You will working closely with the Police, Community Safety Partnerships, and local organisations, and help deliver campaigns and events that improve community safety.
Through regular communication with regional and national staff, you will ensure your volunteers stay informed, connected, and supported.
You also help to recruit, support, and develop volunteers, creating an inclusive and motivated local team.
Volunteer Team Leader / Deputy Team Leader applicants must live in the local area where you are applying.
This role requires a commitment of around three years to support continuity and effective delivery. Monthly time commitments vary and may include:
The client requests no contact from agencies or media sales.
Actively Interviewing
This organisation is scheduling interviews as applications come in. They're ready to hire as soon as they find the right person. Don't miss your opportunity, apply now!
VOLUNTEER ADMINISTRATOR / COORDINATOR
Across the UK, our 65 local branches help disabled people live the lives they choose. Our network of skilled volunteers respond to thousands of requests each year to design and make customised equipment free of charge.
As an Administrator/ Coordinator you’ll support your Chair or Coordinator in making sure your local branch works as effectively as possible.
You’ll bring your leadership, communication, organisation, and motivational skills to this role.
What the role involves
This is a varied role where local need shapes what you’ll be working on, but it can include:
• Supporting the Chair/Coordinator in organising branch activities, from setting up branch meetings to planning and completing referrals
• Helping the Chair/Coordinator oversee the recruitment, induction, and ongoing support of new volunteers
• Deputising for the Chair/Coordinator when necessary
• Acting as a key contact between staff and volunteers
What you’ll need for this role
Essential
• Confident in leading and chairing a meeting when required
• Confident using Microsoft Office, the internet and email
• Willingness to attend local events to promote the charity’s work
• Ability to understand and follow external and internal policies and procedures
• Able to keep people’s personal details safe
• Willing to follow Remap policies and procedures – and a commitment to our values
Desirable
• Confident in communicating with different audiences, including decision-makers and volunteers
• Able to delegate and motivate the activities of others
• Enthusiastic about raising awareness of the charity’s work in the local area
• Willingness to develop skills and experience
You’ll also need to complete the induction checklist and reference check, and you may need a DBS check if you also have another client facing role.
Why volunteer
When you volunteer with us, you join a community of committed people with a passion for helping to improve the lives of others. We’re a volunteer led organisation and we couldn’t do what we do without your hard work, skills and commitment.
N.B. We’ll reimburse any out-of-pocket expenses during your time with us.
REMAP exists to improve the quality of life for people who experience short or long-term disability through infirmity, illness or ageing.