state pension age

Discussion in 'Bulletin Board' started by jedi one, Oct 19, 2020.

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  1. Red

    Red CB Well-Known Member

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    My wife was born the same month as you & you are spot on, she was 65 + 6 months , I was born in 52 & got mine when I turned 65
     
    Red CB, Oct 19, 2020
    #21
  2. Brush

    Brush Well-Known Member

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    Can you spare us a bob mate?
     
    Brush, Oct 19, 2020
    #22
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  3. tingleytyke

    tingleytyke Well-Known Member

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    Get mine on Thursday. However I’ve already been retired 11 years. As I type I have my feet up toasting them in front of a log fire in my gaff in Seahouses.
    It’s easy this retirement lark.
     
    tingleytyke, Oct 19, 2020
    #23
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  4. Hooky feller

    Hooky feller Well-Known Member

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    Arrrr much. :eek:
     
    Hooky feller, Oct 19, 2020
    #24
  5. Ses

    Sestren Well-Known Member

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    I'm 35 and will probably get about that - should be just about enough for two pints and a cheese cob every Friday!
     
    Sestren, Oct 19, 2020
    #25
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  6. Mis

    MiserablePontyEnder Well-Known Member

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    2047.... FFS!!! :(
     
    MiserablePontyEnder, Oct 19, 2020
    #26
  7. Mr Badger

    Mr Badger Well-Known Member

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    Sorry, I meant £175.
    Clerical error !!!! :D
     
    Mr Badger, Oct 19, 2020
    #27
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  8. Tek

    Tekkytyke Well-Known Member

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    My missus was one of those born in the 50s that got caught out. Due to get Pension at 60 and then m,eoved to 63. No complainta plenty of warning. but then the bs'tards 'accelerated the process' and she suddenly found herself with not much notice relatively (retirement plan in place having to wait until she was 65 and 10 months)

    On top of that she gets a Teacher Pension so even though she had 40+ years contributions she did not qualify for the full state Pension as although they paid superannuation from their salary towards their Pension the Govt regard it as partial 'Opt out' and so she gets a reduced amount. I always found the system bizarre since it is based on years rather than amount paid in NI. Someone on a high salary could pay more in 20 years in NI and then for some reason be unable to work than someone paying the bare minimum for the qualifying 35 years but end up with a reduced Pension.
    We worked out that the 1st change postponement of pension meant she lost out on over £40k and the 2nd change cost her around £20k

    Since she has a decent Teachers Pension on top we manage OK as she was able to get that at 60 before the rules were changed although our life savings were
    eroded . However IMO the WASPI women (Born mid '50s) have a point as some of them found themselves high and dry when the second change came in and found lost out as they were reliant solely on the State Pension that they suddenly found was no longer available to them.
    MY issue is they include the first change in the Legal action (60- 63ish), a case they were never going to win, as in fairness, we had adequate warning. Again IMO though, the second change WAS unfair and unreasonable since, although like I said people NOT solely reliant on the SP coped although we had already committed to our retirement plan and costed in the anticipated boost to retirement income at 63. They then pulled the rug from under us and we had to downscale our plans. We managed but, like I said thousands of women lost out badly.

    The Courts, of course!, have sided with the Govt and in reality the cost of backtracking the legislation would be an absolute non starter in especially in the current situation. Nevertheless they COULD have looked at those who suffered poverty and hardship due to the 2nd'short notice' change and made some sort of deal. Aa it is statistics show quite a few have died in poverty that otherwise might have been OK had they received the State Pension when they expected to.
     
    Tekkytyke, Oct 20, 2020
    #28
  9. arabian_ian

    arabian_ian Well-Known Member

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    You senile old git
     
    arabian_ian, Oct 20, 2020
    #29
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  10. Tyke_67

    Tyke_67 Well-Known Member

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    a senior moment :D
     
    Tyke_67, Oct 20, 2020
    #30
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  11. Tyke_67

    Tyke_67 Well-Known Member

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    Sorry buddy, you'll never reach state retirement age. By the time you get to your 60s they will have changed the retirement age to 75. By the time you get to your 70s, they will have changed the retirement age to 85.

    Rinse and repeat :D
     
    Tyke_67, Oct 20, 2020
    #31
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  12. Marlon

    Marlon Well-Known Member

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    The ones who put up the state pension age have been voted back in three times since that action .
    Either it wasn’t an unpopular move or Brexit was more important ?
     
    Marlon, Oct 20, 2020
    #32
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  13. Old Goat

    Old Goat Well-Known Member

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    I'll be in the same boat when I start getting my state pension. Anyone paying into a local government pension scheme pre-2015 (ish) was benefitting through paying reduced NI contributions. The money went instead into their local govt scheme. My LGPS pension is therefore higher than it would have been. The reduction in state pension is to adjust for that. Otherwise I'd be having my cake and eating it, so to speak, at the expense of the taxpayer.
     
    Old Goat, Oct 20, 2020
    #33
  14. springvale red

    springvale red Well-Known Member

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    Thought you'd been getting it for 5 years
     
    springvale red, Oct 20, 2020
    #34
  15. Egh

    Egham Tyke Well-Known Member

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    Only if you send your bank details to that nice man in Nigeria who told you that;)
     
    Egham Tyke, Oct 20, 2020
    #35
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  16. tosh

    tosh Well-Known Member

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    Looks are often deceiving aren't they
     
    tosh, Oct 20, 2020
    #36
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