GROSSLY UNFAIR ---- MISSING OUT !!

by Tony Babington
(Sale, Cheshire)

My wife worked as a teacher and then ran her own nursery school for many years. She is now 64.

On approaching retirement age she was given an estimate as to what pension she would expect (based on the number of years she paid NI contributions)Max £84.00 a week. As this fell short of the maximum she could get, she was told that she could 'make up' the shortfall by paying extra amounts (actually several thousand pounds) for the years missing.

At the time this seemed worth paying as the extra pension gained soon paid off the extra lump sum payments. The new pension proposals fly in the face of my wife's situation and no doubt thousands in the same boat.

Why on earth is she being penalised by about £70 per week (£3640 a year) compared to the proposed £155 a week for fully qualifying pensioners on the proposed basis. This is completely and utterly unfair and should be addressed before the proposals are ratified.

Surely the premise for the new proposal is that it is considered by the Government that pensioners require £155 a week to live on ? They are therefore turning their back on the likes of my wife by expecting them to live on a 45% less pension. It is incomprehensible!!!!!!!

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May 09, 2013
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Different Era
by: Anonymous

Many tend to forget that times were much different. Woman were not encouraged to pay pension and ill advised to save their money and claim on their husbands contributions. Not any more! The proposals do not allow for wives or partners to claim from their husbands contributions after 2016 and will lose any pension altogether. If wives are older than their husbands and are of pensionable age now but their partner is not eligible until after 2016. They will not receive a pension as they are deemed not to have contributed. No proposals have been put forward for these woman which is despicable.

Life was much different then in the 60's when wives were expected to stay at home to look after their children. In fact it was not until the late 70's that child allowance was paid for the first child.

Whilst I applaud women for being independent they are being fooled by this government if they believe they will be better off in the future. Like us the goal posts will be moved at the last second rendering your planned income for retirement much less as in our own case. Robbed!

Jan 29, 2013
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Grossly Unfair-----Missing Out
by: Jane

The whole pension thing is grossly unfair, I missed ten years because I left work to raise my daughters, then went back part time and as I was not earning much paid "married woman's contributions" which unknown to those who went this route stuffed me good and proper as my pension is now peanuts. I retired to join family in Canada along with my husband and now our paid for state pension (he paid in for 44 years)is frozen at the first payment amount. If we lived in the USA just a few miles away we would get our rightful cost of living increases. Unfair? You bet. Theft? You bet. Discrimination? You bet. A disgraceful rip off of seniors and this government couldn't care less.

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My thoughts on Pension Proposals

by Jane G

The difference between existing pensioners and new pensioners will be approximately £37 per week. However, for a couple this is a difference of £300 per month. This is a massive amount for most people.

Also it will be £300 for the first year only. In future years taking into account index linked rises the new pensioners will receive a larger increase every year.

Whilst it is always difficult to be completely fair this is very divisive. What with the loss of annuity rates and saving rates this is another blow to existing pensioners.

So much for us all being in this together!

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Can this robbery be legal?

by Marge
(Coventry)

I was born on 17th April 1953 - I have been robbed of 3 years pension by 11 days and no-one has lifted a finger to do anything about it. That's all there is to it.

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May 09, 2013
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You and Many Others!
by: Anonymous

You are not the only one to lose out. My wife is already of pensionable age but cannot receive a pension until I reach retirement age which is after the proposed change. In which case she will lose it if my death precedes her.

No one has taken any notice of this either. I would have expected the opposing party's to jump on
the band wagon. Unfortunately, they are too busy looking after themselves claiming expenses for attending Parliament!

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