Another "hint" from Pensions Minister that State Pension Age eligibility will change

SouthCoastBoy

I think length of life is too crude, its quality of life that counts. If you live longer but spend the last 5 years doing not a lot as you can't what is the point of living longer. Quality of live needs to be taken into account 

marlot

SouthCoastBoy said:

I think length of life is too crude, its quality of life that counts. If you live longer but spend the last 5 years doing not a lot as you can't what is the point of living longer. Quality of live needs to be taken into account 

I completely agree.  It is the number of good-health-years I want to optimise in retirement.

My 75-year old neighbour paid privately for a replacement hip for similar reasons.  In the time he'd have waited for an NHS operation, he'd have 2-3 years of gradually declining activity (and muscle strength).  Far better to pay, and get back to living life.

Silvertabby

marlot said:

SouthCoastBoy said:

I think length of life is too crude, its quality of life that counts. If you live longer but spend the last 5 years doing not a lot as you can't what is the point of living longer. Quality of live needs to be taken into account 

I completely agree.  It is the number of good-health-years I want to optimise in retirement.

My 75-year old neighbour paid privately for a replacement hip for similar reasons.  In the time he'd have waited for an NHS operation, he'd have 2-3 years of gradually declining activity (and muscle strength).  Far better to pay, and get back to living life.

Exactly.  My optician says I'm starting to brew cataracts.  Not a problem at the moment, but will need sorting at some point.  A relative recently had hers done, but couldn't even get onto the NHS waiting list (1 year) until her eyes were so bad she couldn't drive and she was even struggling to read.

She was horrified when I said that I would be going private, and accused me of 'leap-frogging' over NHS patients.  Don't see how - by going private I'm leaving what would have been my 'slot' for someone else to be seen earlier.

LV_426

Silvertabby said:

marlot said:

SouthCoastBoy said:

I think length of life is too crude, its quality of life that counts. If you live longer but spend the last 5 years doing not a lot as you can't what is the point of living longer. Quality of live needs to be taken into account 

I completely agree.  It is the number of good-health-years I want to optimise in retirement.

My 75-year old neighbour paid privately for a replacement hip for similar reasons.  In the time he'd have waited for an NHS operation, he'd have 2-3 years of gradually declining activity (and muscle strength).  Far better to pay, and get back to living life.

Exactly.  My optician says I'm starting to brew cataracts.  Not a problem at the moment, but will need sorting at some point.  A relative recently had hers done, but couldn't even get onto the NHS waiting list (1 year) until her eyes were so bad she couldn't drive and she was even struggling to read.

She was horrified when I said that I would be going private, and accused me of 'leap-frogging' over NHS patients.  Don't see how - by going private I'm leaving what would have been my 'slot' for someone else to be seen earlier.

Fair play to you. How much is that procedure costing, if you don't mind me asking?

michaels

LV_426 said:

Silvertabby said:

marlot said:

SouthCoastBoy said:

I think length of life is too crude, its quality of life that counts. If you live longer but spend the last 5 years doing not a lot as you can't what is the point of living longer. Quality of live needs to be taken into account 

I completely agree.  It is the number of good-health-years I want to optimise in retirement.

My 75-year old neighbour paid privately for a replacement hip for similar reasons.  In the time he'd have waited for an NHS operation, he'd have 2-3 years of gradually declining activity (and muscle strength).  Far better to pay, and get back to living life.

Exactly.  My optician says I'm starting to brew cataracts.  Not a problem at the moment, but will need sorting at some point.  A relative recently had hers done, but couldn't even get onto the NHS waiting list (1 year) until her eyes were so bad she couldn't drive and she was even struggling to read.

She was horrified when I said that I would be going private, and accused me of 'leap-frogging' over NHS patients.  Don't see how - by going private I'm leaving what would have been my 'slot' for someone else to be seen earlier.

Fair play to you. How much is that procedure costing, if you don't mind me asking?

Maybe for later life expenditure we should count in units of 'weeks in a private care home'?

Silvertabby

LV_426 said:

Silvertabby said:

marlot said:

SouthCoastBoy said:

I think length of life is too crude, its quality of life that counts. If you live longer but spend the last 5 years doing not a lot as you can't what is the point of living longer. Quality of live needs to be taken into account 

I completely agree.  It is the number of good-health-years I want to optimise in retirement.

My 75-year old neighbour paid privately for a replacement hip for similar reasons.  In the time he'd have waited for an NHS operation, he'd have 2-3 years of gradually declining activity (and muscle strength).  Far better to pay, and get back to living life.

Exactly.  My optician says I'm starting to brew cataracts.  Not a problem at the moment, but will need sorting at some point.  A relative recently had hers done, but couldn't even get onto the NHS waiting list (1 year) until her eyes were so bad she couldn't drive and she was even struggling to read.

She was horrified when I said that I would be going private, and accused me of 'leap-frogging' over NHS patients.  Don't see how - by going private I'm leaving what would have been my 'slot' for someone else to be seen earlier.

Fair play to you. How much is that procedure costing, if you don't mind me asking?

About £3K per eye.  It's a day patient op, under local anaesthetic, so don't have the huge extra costs that a general anaesthetic and overnight nursing care would rack up.

That cost includes pre op assessment, post op care and choice of lens. (The NHS only offer the most basic lens).  

LV_426

michaels said:

LV_426 said:

Silvertabby said:

marlot said:

SouthCoastBoy said:

I think length of life is too crude, its quality of life that counts. If you live longer but spend the last 5 years doing not a lot as you can't what is the point of living longer. Quality of live needs to be taken into account 

I completely agree.  It is the number of good-health-years I want to optimise in retirement.

My 75-year old neighbour paid privately for a replacement hip for similar reasons.  In the time he'd have waited for an NHS operation, he'd have 2-3 years of gradually declining activity (and muscle strength).  Far better to pay, and get back to living life.

Exactly.  My optician says I'm starting to brew cataracts.  Not a problem at the moment, but will need sorting at some point.  A relative recently had hers done, but couldn't even get onto the NHS waiting list (1 year) until her eyes were so bad she couldn't drive and she was even struggling to read.

She was horrified when I said that I would be going private, and accused me of 'leap-frogging' over NHS patients.  Don't see how - by going private I'm leaving what would have been my 'slot' for someone else to be seen earlier.

Fair play to you. How much is that procedure costing, if you don't mind me asking?

Maybe for later life expenditure we should count in units of 'weeks in a private care home'?

I'd rather book in at Dignitas than end up in a care home.

daz378

In a macroeconomic  sense  it makes sense raising pension age, however it feels very unfair personally when it falls on you, I may miss the latest rise to 68   proposed  2042 or 44...May bring forward to 2038/39....I have public sector DB pension to be paid in 2032...but based on  a lowish carers wage of 25k a year...was going to ask for my for my figures at 60 in 2026  , to reduce my hours, will need to clear at 1000 a month to cover bills, and 20 hours a week on Bank to survive,   fiscal drag  maybe a factor over the next few years, that may push that back to 2028

Ganga

daz378 said:

In a macroeconomic  sense  it makes sense raising pension age, however it feels very unfair personally when it falls on you, I may miss the latest rise to 68   proposed  2042 or 44...May bring forward to 2038/39....I have public sector DB pension to be paid in 2032...but based on  a lowish carers wage of 25k a year...was going to ask for my for my figures at 60 in 2026  , to reduce my hours, will need to clear at 1000 a month to cover bills, and 20 hours a week on Bank to survive,   fiscal drag  maybe a factor over the next few years, that may push that back to 2028

By 2026 the state pension might give you over a £1000 a month ,what is the 20 hours a week " on Bank " ?

p00hsticks

Ganga said:

daz378 said:

In a macroeconomic  sense  it makes sense raising pension age, however it feels very unfair personally when it falls on you, I may miss the latest rise to 68   proposed  2042 or 44...May bring forward to 2038/39....I have public sector DB pension to be paid in 2032...but based on  a lowish carers wage of 25k a year...was going to ask for my for my figures at 60 in 2026  , to reduce my hours, will need to clear at 1000 a month to cover bills, and 20 hours a week on Bank to survive,   fiscal drag  maybe a factor over the next few years, that may push that back to 2028

what is the 20 hours a week " on Bank " ?

I'm guessing that daz378 is an NHS worker of some description and is referring to the NHS flexible working bank of staff....