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Had you planned to retire earlier than you are now able to?

Changes in 1995 and 2011 to the state pension age mean women born on or after April 6, 1951 can expect to retire up to six years later than they had originally planned.

A group of ladies called WASPI (Women Against State Pension Age Inequality) have been tirelessly campaigning and have waged a fierce media protest in recent years against changes to the State pension age which were first brought about in 1995 to bring women’s state pension age in line with men’s.

It would have originally seen them working five years longer, from 60 to 65, before being entitled to a basic state pension.

Many of them were not informed about the change, leaving some in financial limbo at the verge of retirement.

News today suggests that older women lobbying the Government against rises to their state pension age have no hope of success, the new pensions minister has said, as he insisted they will not be granted any further financial help.

In his first interview since his appointment at the Department for Work and Pensions, Richard Harrington MP, told the Daily Telegraph he wanted to make “very clear” that the demands of the pressure group, known as the Women Against State Pension Age Inequality, would not be met.

He confirmed that the Government will make no further changes to their pension age or pay them compensation.

He added that some politicians had given them “false hope”, leading them to believe that their efforts may result in the Government giving them special treatment.

The state pension age is currently 65 for men and just over 63 for women. The pension age for women will keep rising steadily every few months and equalise at 65 for both sexes in 2018. It will then increase every few months for men and women, reaching 66 by 2020.

The next stage of planned increases, towards age 67, is due to begin in 2026 and conclude in 2028.

What are your views? If you are a woman born after 6th April 1951 how will you be affected by the changes announced in 1995 and then in 2011 to raise the State Pension Age for women to 67?  How do you feel about the changes in state pension age for women changing to be the same as for men? What financial plans are you making now? How do you feel about your working life being extended? What impact will these changes have on your family? Is it time to be realistic and accept there is not enough money left in the pension pot and some of us will have to work longer?

Had you planned to retire earlier than you are now able to?

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patcaf
22nd Dec 2016
0
Thanks for voting!
I agree there should have been a better transition arrangement but the facts are that male and female pension arrangements needed to be equalised and there was plenty of forewarning on the change.

Like many women my wife was made redundant at 60 and never worked again as there is so much age discrimination out there. She had to wait until she was 63 to get her pension but we knew that even before she was made redundant. There was so much publicity about this change in the papers, on TV and on the internet it is hard to see how people did not know about it.

Remember this change was initiated and fully supported by Labour. There was a transition arrangement which is how my wife received her pension at 63 but it was unfair to many people and has caused a great deal of misery. The government should bite the bullet and look again at transition but no matter what they do some women will be disadvantaged. Men are also having to cope with an ever increasing state pension age too.
strongbow15
11th Dec 2016
0
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Very upset I work in a very heavy demanding job !!!
mccollmbe
25th Oct 2016
1
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Just spotted this post on twitter thanks for highlighting waspi
jentie51
28th Sep 2016
1
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Whoops - omitted the word "jungle!"
jentie51
28th Sep 2016
1
Thanks for voting!
Earlier in my life, my plan was to retire at 60, but a change of circumstances led to me reconsider this & to continue working. However, serious illness led to the cancellation of my contract on the grounds of ill health.

This occurred 6 months before I qualified for State Retirement Pension, so I decided to go for it. However, I now realise that I should have challenged this as I would have received more in compensation, as the original plan was to work for as long as possible. At the time, following the stress of a gruelling treatment regime & disgraceful treatment from my then employer, enough was enough & I walked!

Financially, it's a struggle, but I have peace of mind - my former work place is now a (metaphorical) with gross mistreatment of the staff, so in retrospect, glad to have my freedom!
major red
23rd Sep 2016
0
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no 34 was to early disability robed me of a working life and my dream of having my own butchers shop
Maryt55
21st Sep 2016
3
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I have to wait until I'm 66 to retire. I started work at 16 and have never been unemployed. This means that I have paid NI contributions for 45 years. Once you reach the required number of years you should either be allowed to retire or stop having to pay. They will get another 5 years from me but as far as I am aware I will not get a penny extra on my pension.
mccollmbe
25th Oct 2016
0
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Jane55
21st Sep 2016
1
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Having worked since age 16 and paid full national insurance all my working life, I planned to retire at 60, I have not been kept informed of all the changes to the pension like many others. We have been promised fairness and equity and equality by our new prime minister, we have evidence that the pension pot has money available, and new evidence that the research carried out that bought about the pension changes is wrong, a new recent report that shoes that compensation would be £8b and mot the £30b the government says. We have been told that we cannot be treated as a special case.

It's time the government acknowledged that we have paid in, it's not their money it's ours, and they have no right to withhold our hard earned cash. As members of parliament they are privileged, they get a large pension after being in government for only a few years, ( not fully paid NI for 40+ years) so they are ok, how fair is that, a few years and full pension for life regardless of age. All of us who are suffering or about to suffer due to the changes in pension have the ability to target our votes towards those MPs who refuse to climb down from their ivory towers to support us ... The I'm alright Jack has to stop.

However thanks to those MPs who have pledged their support to continue use to help with our plight.
Alicia
21st Sep 2016
3
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I wish people would stop complaining about the state pension changes, we all have to face it and there is nothing we can do.
scandiman
22nd Sep 2016
2
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Unfortunately Alicia, this is always the British attitude, 'nothing we can do, so put up with it'. Blow that, start getting angry and protest.
Make a noise, bombard MPs with letters and emails. Marches. Make enough fuss and they'll have to listen.
Oh dear, I expect this communication is being read by some government agency and I'll get a knock at the door and taken away for 're-education '. Think I'm joking? It's coming!
Jane55
21st Sep 2016
1
Thanks for voting!
You are probably right, and clearly not suffering as some of these ladies are, some of us stand up and fight for our injustices, no matter how futile others think it might be.
scandiman
22nd Sep 2016
2
Thanks for voting!
Jane55- I have to wait until I am almost 66 to receive the pension. My comment was directed at a government that has no idea and doesn't care about, the effects of its policies. The other parties are no better. Policies are usually great in theory, but bear no relation to reality.
scandiman
20th Sep 2016
2
Thanks for voting!
The govt. neither knows nor cares about the effect the pension changes will have on so many, who will be badly affected. I have concluded that they are hoping that many of us may die before reaching retirement, thus saving the country money. Cynical? No, I'm a realist.
Lionel
21st Sep 2016
1
Thanks for voting!
Rather sadly, I've concluded you're quite correct!
JackieL3
20th Sep 2016
1
Thanks for voting!
Having worked all my life and contributed more than 30 years contributions I am still paying NI towards a pension I can't get till 2023 as I was born in 1957 at no higher rate than those receiving OAP at 60 shouldn't we receive discounted rate NI if we are still working have made enough contributions to receive a full pension. Especially as my husband is younger than me so his is not happening for another 12 years
Wilf
17th Oct 2016
0
Thanks for voting!
It does seem crazy that they are making women work more years. the main issue with this is it was never communicated . My wife is in the same situation-never knew anything about it until recently
JanMS
20th Sep 2016
0
Thanks for voting!
I had to retire in September 2015 after working as a nurse in the NHS since I qualified in 1975. Over 40 years!!! Unfortunately I had to give up my job as an Advanced Nurse Practitioner in General Practice, which I loved because in 2013 I was diagnosed with a Plasmacytoma of my sternum. I managed to continue working for a further two years but my immune system was so low I caught ever single virus that patients brought into the surgery. I had plans to supplement my income as State Pension is not available for me until I am 66 due to the changes. I was able to take my NHS pension which I did and have an income of approximately £750 a month as my pension is taxed.
However this year I have been diagnosed with multiple plasmacytoma in my rib cage and am now undergoing chemotherapy. I have been given a treatment not cure diagnosis and a probability of 10 years of life left. It would be great to have some way of getting my pension early after all I paid into it all my working life and have a shortened life expectancy.
MrsPat
20th Sep 2016
2
Thanks for voting!
It hasn't made much of a difference to me. I would have liked to retire as early as I could but do enjoy work to a degree just wish I could do fewer days at work and have more holidays but then that's the same for all of us.

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