• Welcome to the new B.I.R.D. Forum. Please be sure to read the "New Member / New Registered ? Please Read" thread in the Coffee Shop. This contains some important information. To become a full member ( £5.90 a year ) simply click on your user name near the top on the right I hope you enjoy the new site ................ Jaws ( John )

Equality

andyBeaker

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It seems equality is discriminatory if it leaves you worse off.

https://www.bbc.co.uk/news/business-46400290
In fairness a lot of people were screwed by the way this was introduced.

In the same way I was screwed by changing the age you could draw a pension from 50 to 55 - I missed it by ten weeks, again with comparatively little notice.

I know it is easy to say and less easy to do, but we really need to find ways of ensuring that people do not rely on the State pension in coming generations.
 

Jaws

Corporal CockUp
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In fairness a lot of people were screwed by the way this was introduced.

In the same way I was screwed by changing the age you could draw a pension from 50 to 55 - I missed it by ten weeks, again with comparatively little notice.

I know it is easy to say and less easy to do, but we really need to find ways of ensuring that people do not rely on the State pension in coming generations.
Why ?
If they do not want to pay a state pension fine.. stop taking money of people
 

Centaur

Site Pedant
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I believe John is saying, "If the state does not want to pay peeps pensions then they should reduce the NI contribs" Personally I don't see a problem with delaying pensions due to a greater life expectancy. I am very happy with my state pension topping up the company pension I earned. I worked bloody long hours over a lot of years to get that good company pension. I am also happy to pay tax on my pension.
 

andyBeaker

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I believe John is saying, "If the state does not want to pay peeps pensions then they should reduce the NI contribs" Personally I don't see a problem with delaying pensions due to a greater life expectancy. I am very happy with my state pension topping up the company pension I earned. I worked bloody long hours over a lot of years to get that good company pension. I am also happy to pay tax on my pension.
The point I made is that a lot of ladies were suddenly faced with working an extra five years - it was badly handled at the time.

Extended life expectancy does make it sensible to delay state pensions, no argument with that.

I too have no problem in drawing the full state pension - as someone who was PAYE for 40 odd years it will be nice to get something back rather than subsidising work shy thieving scrotes lifestyle.
 

Jaws

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The point I made is that a lot of ladies were suddenly faced with working an extra five years - it was badly handled at the time.

Extended life expectancy does make it sensible to delay state pensions, no argument with that.

I too have no problem in drawing the full state pension - as someone who was PAYE for 40 odd years it will be nice to get something back rather than subsidising work shy thieving scrotes lifestyle.
And my point is the govt should reduce NI for those that have to work longer
 

Murt

Letch
I have always wondered how much the government makes out of the NI payments made by people who pop their clogs just after finishing work.
It must add up to a tidy sum.

Murt
 

Quiney

Registered User
Don't mention woman state pension - Sandra was the wrong side of the cut-off date, by 1 day!

The big problem was the fact that life expectancy had been increasing for years. The government did nothing with state pension to match it, then when they finally realised they did it over a very short time scale.
 

Minkey

Ok it was me
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When I started work I was aiming to retire at 60 and now it is 66 not just that free bus passes are now issued at 66 and many places which had concessions for 60 year olds have now moved them to 65. but you try getting a new job when you are over 55 which is why I work part time in a shop as it is all I could get inspite of having a degree and 38 years experience of working in a laboratory...rant over
 

Stevebrooke

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The pension equality was brought about about a good few years ago after a man tried to get his pension at 60 as he felt he was being discriminated against. The court ruled pensions were discriminatory and in reply the government decided to raise the pension age for women to bring it in line with men. Although it may have been badly handled it has brought about equality so I don't see a problem.

Regarding NI contributions, pensions are paid out of current taxes - we don't pay into our own state pension pot but into the pensions of those who will draw it in future years.
 

ianrobbo1

good looking AND modest
"Regarding NI contributions, pensions are paid out of current taxes - we don't pay into our own state pension pot but into the pensions of those who will draw it in future years."


Maybe they should be.
 

Jaws

Corporal CockUp
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The pension equality was brought about about a good few years ago after a man tried to get his pension at 60 as he felt he was being discriminated against. The court ruled pensions were discriminatory and in reply the government decided to raise the pension age for women to bring it in line with men. Although it may have been badly handled it has brought about equality so I don't see a problem.

Regarding NI contributions, pensions are paid out of current taxes - we don't pay into our own state pension pot but into the pensions of those who will draw it in future years.
And yet I was told that as I had a years stamps missing ( long boring story ) my.. MY pension will be affected
 

derek kelly

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I have worked since I was 16 & am now 61, my forecast is £15 per week short of the max due to the prison service opting out of serps or something like that.
Bev gave up work when our eldest child was born & only went back when our youngest was 13, she then had a couple of years unemployed & about six years ago went back to work part time, her forecast is maximum pension. How does that work?
 

andyBeaker

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I have worked since I was 16 & am now 61, my forecast is £15 per week short of the max due to the prison service opting out of serps or something like that.
Bev gave up work when our eldest child was born & only went back when our youngest was 13, she then had a couple of years unemployed & about six years ago went back to work part time, her forecast is maximum pension. How does that work?
It is worth enquiring about topping up - it seems to vary wildly depending on circumstances. Mrs A hasn't worked for 30 years and it cost surprisingly little for her to make it fully paid. Yet others seem to get quoted silly numbers.
 

Squag1

Can't remember....
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And yet I was told that as I had a years stamps missing ( long boring story ) my.. MY pension will be affected
I was missing a year in their records.
I found the P60(document given by employer at year's end). They gave my the credit based on that.
 

derek kelly

The Deli lama
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It is worth enquiring about topping up - it seems to vary wildly depending on circumstances. Mrs A hasn't worked for 30 years and it cost surprisingly little for her to make it fully paid. Yet others seem to get quoted silly numbers.
Not really fussed about the difference but how can Bev qualify for the full amount?
 

Quiney

Registered User
Not really fussed about the difference but how can Bev qualify for the full amount?

The whole time she was in receipt of family allowance (or whatever its called now) she was credited with full NI contributions towards pension. Only 35 years of contributions need to get a full pension (subject to not being in company schemes etc)
 
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