The repercussions have not been thought through

by Jane
(Gloucestershire)

Having found myself a few years ago to be one year short of the requisite 39 years of NI contributions I paid a years contribution as a lump sum only to find shortly after the number of qualifying years reduced to 30.

Now I find because I reach retirement age pre 2017 my pension although I have contributed for more years than anyone reaching retirement age post 2017(I also paid additional serps contributions in the 70's.) my basic state pension will be less than those with 35 years contributions.

I reached retirement age in 2010 but deferred my pension as I am still working and have all my working life saved a little from my modest income towards my old age.

But a wealthy pensioner who would not be entitled to pension credit retiring in 2017 will receive £144 whilst a pensioner with over £10k savings therefore also not entitled to pension credit retiring pre 2017 will get £107.

Why is it the ones who always play by the rules get shafted over and over again.

I do not begrudge the increase to those who need it but this proposal has not been thought through.

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Jan 15, 2013
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My sentiments entirely
by: Anonymous


I agree with you wholeheartedly. How can this be fair?

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My thoughts on Pension Proposals

by Ann
(Ilkeston Derbyshire)

Having worked all of my life from 15years old (with the exception of looking after my children for a total of approx 7 years) I am now 61, and because of the last changes made have to wait until July of this year to gain my pension.

I am still wroking full time, and everytime I get nearer if seems the goal posts are moved, now I have realised that having worked all of my life and paid into the system, I am not eligible for the increase to £144.00. And yet someone who has decided to live off the state and stay at home and have children, probalby never worked, will now be able to have the increased pension guaranteed of £144.00.

Where is the justice in that !!!

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Feb 05, 2013
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A long time to wait.
by: Anonymous

I totally agree that these reforms are extremely unfair. Speaking to a friend (6 months and 7 days older than me) I find that she will get her pension in January 2014 while I have to wait until March 2015. This is 3 years and 6 months after my 60th birthday. What's fair about that?

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My thoughts on Pension Proposals

by Susan
(Waltham Abbey, Essex, UK)

It does sound fairer in one way, but if self-employed people will also get the same, then they should pay more. Why is a self-employed contribution so small in any event? Surely if they pay more now it would be fair that they receive more than currently.

Under this new scheme I would receive less than currently projected when my SERPS is taken into to account so I would not be happy about that. I am also peeved cos the Government keep moving the goalposts. I will be 60 in 2 months' time but can't get my pension, can't get my fuel allowance, can't get a bus pass and yet I started work at 16 (and did part time work after school and on Saturdays before that - always on the cards) I have so far paid my NI for 42 years without a break (30 years currently being the full amount). They don't say I don't have to pay any more do they?

I am tired and I've had enough. With my commute to work my day is around 12 hours long and yet I cannot afford to retire because they won't pay me my pension for another 3 years. How unfair is that?

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State Pension Reform Totally Unfair

by Jules
(Salisbury)

I have always voted Conservative but won't be doing so in the future. Their new state pension policy is totally unfair to existing pensioners such as myself and amounts to age discrimination.

I have paid towards a state pension all my working life and have some meagre savings. I fail to qualify for pension top-ups by less than £5 per week but under the new scheme everyone will receive the enhanced pension which replaces the need for pension top-ups no matter how wealthy they are.

The Government should start with a level playing field and give this new pension to all pensioners who do not qualify for top-ups under the present scheme.

Why does Mr. Cameron assume that one pensioner needs only £107 per week to live on when another will be given £144 per week (today's equivalent) no matter what their income?

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My thoughts on pension proposals

by Steve M
(Kent)

My wife has worked for 30 years and I have worked for 40 years, yes we should both get a pension. You can not keep changing the years worked when people are trying to plan when to stop work EG increasing years worked from 30 to 35.

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My thoughts on Pension Proposals

by Thomas Moorhead
(Surrey)

Once again the losers will be those that have paid NICs for 40 years and more and those that have not made any contributions will benefit.

I voted for David Cameron because I thought he would make a difference but my vote will go to UKIP IN 2015.

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My Thoughts on Pension Proposals

by Robert Morris
(Muir-of-Ord)

As I retire Dec 2015 I think it is totally unfair that people retiring in 2017 should get a better pension having worked all my working life. What is good for one is good for all!!.

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Sep 17, 2013
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Pension Reform
by: Mike Connor

My wife will lose out being born in 1952.
The proposals are a result of having who hey henry millionaires practicing their economic theories. If they won't listen to reason I hope all affected will respond at the ballot box. It is the only thing that self serving politicians will take notice of.

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