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WASPI Campaign .... State Pensions
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slightlymiffed wrote: »Thank you Saver, you are one of the very few unbiased forum members here.
Pleasure ma'am .... I just tell it like it is.slightlymiffed wrote: ». My sister is happily retired and is angry that her sister (me) has been so disadvantaged. She can see the injustice of it.
Sure she can .... as can most others see it, including a one eye Albanian with fading eye sight.....
There are others blessed with excellent eyesight but easily turn a blind eye when it suits ....slightlymiffed wrote: »When I was told in 2012 (at 58) that my SPA had been increased again from 2018 to 2020 (an 18 month increase), I was just SIX YEARS away from my expected SPA. That is four whole years less than the 10 years notice that is widely acknowledged as being acceptable. There is no slightly about it.
Like I say, some folk have a mighty strange definition of 'slightly'.0 -
Yes, I agree that smoothing it more would have been nice. Say by starting sooner so that both of them get their state pensions at the same age as men of the same birth date doing the same work in the same place. The earlier Act didn't really go far enough as it turns out.Sooo, Mrs Jones who was born circa 1952 gets pension circa 61. Her sister Mrs Smith, who was born circa 1954, has to wait until nearly 66 to get pension. ... A better option would have been ... to smooth that out better ..say!
In the meantime she can do what the rest of us do: get a job. Or if unable or unwilling, rely on her savings and investments. Or those of her spouse. Or if all else fails, there's that means tested safety net of means tested benefits.In the mean time 'if' she qualifies for state benefits she can live on those for the additional years - while big sis can lay back knowing she has her pension coming in for all those years.
I'm not sure that 44 and 39 are the same number. Don't they differ by five years?It was the same for everybody.
There's no guarantee of that. Do remember those who were told with far less notice that instead of getting their pensions at 50 they would have to wait until 55.It will be the same for everybody..... and they will have constant reviews with at least 10 years notice of any changes.
Ten years isn't the minimum acceptable notice, it's just a target that can in the future be changed.some with 6 years notice when the current recommendation is 10 years. So some had just over half the current minimum acceptable notice .....0 -
You're not entitled to a state pension whether you're working or not because you're not old enough. 44 years isn't necessarily enough because it doesn't matter how many years, what matters is the state pension age. If you're not at the same age as a man with the same paying in record then no, it's not enough, you should be getting it at the same age as that man.slightlymiffed wrote: »I am affected but am working (and paying NI) - why should I have to claim means tested benefits in order to get entitlement to a state pension? It was the government who twice moved the goalposts and I already have 44 years NI. Isn't that enough in your opinion?
If for some reason you were unable to work then you might be entitled to means tested benefits, if for some reason you had failed to provide properly for yourself with savings and investments and didn't have a spouse who you planned to rely on. Personally I expect to be ineligible for means tested benefits for the rest of my life due to having accumulated enough savings and investments that I will have too much money to qualify.
My congratulations to your sister, though it is a shame that she has reached her state pension age already, ahead of men of the same birth date. Sadly we can't go back in time now and adjust the ages to get to equal ages sooner and with more notice.0 -
My view is that !!!! happens and if you have not got a suitable plan for !!!! happening then you only have yourself to blame. Those affected will just have to work longer (just like men), I hope they are not saying that they will be too old or infirm - 60 is the new 40 don't you know !
Both myself and MrsM are affected by the 2011 changes but our plans, which were set when we retired in 2009, are robust enough to stand up to the minor inconvenience, nowhere near the £35000 they keep spouting. Mrs M will receive a higher pension than previously planned and we can also purchase an increase to our state pensions, something we could not have done under the old system.
If WASPI had concentrated on only the 2011 changes instead of their stupid "women born in the 50s" stance, acknowledged that it was not just women that were affected, campaigned for alternatives for those really in need and not had a silly name that was the opposite of what they were actually campaigning for then they may have garnered more support outside of their selfish social grouping.0 -
You're not entitled to a state pension whether you're working or not because you're not old enough. 44 years isn't necessarily enough because it doesn't matter how many years, what matters is the state pension age. If you're not at the same age as a man with the same paying in record then no, it's not enough, you should be getting it at the same age as that man.
If for some reason you were unable to work then you might be entitled to means tested benefits, if for some reason you had failed to provide properly for yourself with savings and investments and didn't have a spouse who you planned to rely on. Personally I expect to be ineligible for means tested benefits for the rest of my life due to having accumulated enough savings and investments that I will have too much money to qualify.
My congratulations to your sister, though it is a shame that she has reached her state pension age already, ahead of men of the same birth date. Sadly we can't go back in time now and adjust the ages to get to equal ages sooner and with more notice.
Thanks - I was well aware that I have not reached state pension age yet!
'...failed to provide properly for myself..'?? Words fail me. Do you, as a clearly very self-satisfied baby boomer, have any idea of the average life experiences of a 1953/54 born woman?
But jamesd, the times they are a'changing...:). Crabb, Altmann and Vara now gone. Where are your friends in high places now?0 -
If the 18 month extension to your state pension age is causing you financial hardship, are there no benefits you can claim until you reach pension age?slightlymiffed wrote: »Thanks - I was well aware that I have not reached state pension age yet!
'...failed to provide properly for myself..'?? Words fail me. Do you, as a clearly very self-satisfied baby boomer, have any idea of the average life experiences of a 1953/54 born woman?
But jamesd, the times they are a'changing...:). Crabb, Altmann and Vara now gone. Where are your friends in high places now?0 -
slightlymiffed wrote: »Thanks - I was well aware that I have not reached state pension age yet!
'...failed to provide properly for myself..'?? Words fail me. Do you, as a clearly very self-satisfied baby boomer, have any idea of the average life experiences of a 1953/54 born woman?
But jamesd, the times they are a'changing...:). Crabb, Altmann and Vara now gone. Where are your friends in high places now?
I imagine they're very much like mine - a baby boomer woman born in 1950 who never earned more than the average wage who retired 3 years before my (raised) state pension age.0 -
Yes, I agree that smoothing it more would have been nice. Say by starting sooner so that both of them get their state pensions at the same age as men of the same birth date doing the same work in the same place. The earlier Act didn't really go far enough as it turns out.
Sure.... that would be good. It would have been the same for all ... so Mrs Jones and her sis Mrs Smith would both have had equal time scales. As it happens ....... that did not happen and Mrs Smith and sis Mrs Jones have been given unequal burdens!!
Oh, one point, it is true that women at times have done the same job as men at the same age in the same place .... strangely one was given a higher salary than the other .... I'll let you work out which one .... but if you can't get it by tea time, do come back and ask.....I'm not sure that 44 and 39 are the same number. Don't they differ by five years?
Yeah ...... seems your calculator and mine are singing from the same sheet ..... and for all men it was 44 ..... for all women it was 39 .... thus same for all depending on which group they were in ....There's no guarantee of that. Do remember those who were told with far less notice that instead of getting their pensions at 50 they would have to wait until 55.
Not state pension ... different animal ... different rules ...Ten years isn't the minimum acceptable notice, it's just a target that can in the future be changed.
Indeed..... it could be increased to 15 years ... making it even more unjust for those that had just 6 years notice ....0 -
missbiggles1 wrote: »I imagine they're very much like mine - a baby boomer woman born in 1950 who never earned more than the average wage who retired 3 years before my (raised) state pension age.
According to ONS stats (see my earlier post with link) you are not technically a baby boomer missbiggles and, with all due respect, born in 1950 (and I'm presuming post April 1950), then the maximum increase in your state pension age would have been just 8 months.
Comparing your 8 months SPA increase with my 6 year increase just illustrates the injustice, so thank you for posting.0 -
If WASPI had concentrated on only the 2011 changes instead of their stupid "women born in the 50s" stance, acknowledged that it was not just women that were affected, campaigned for alternatives for those really in need and not had a silly name that was the opposite of what they were actually campaigning for then they may have garnered more support outside of their selfish social grouping.
An alternative might look like???0
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