image

Has Theresa May got the right financial balance for pensioners?

Theresa May unveils ‘difficult but necessary’ measures to pay for elderly care

Middle-class pensioners are set to lose benefits under Conservative plans to fund social care while means-testing will be introduced on winter fuel payments.

The Conservatives will also pass legislation to ensure nobody has to sell their home to pay for their care during their lifetime, and new rules will allow pensioners needing nursing home treatment to keep more of their assets.

Pensioners will stop paying for their own care once their savings and assets are down to £100,000. At present only £23,250 is protected.

But a person’s home will be counted among their assets when they are means-tested for domiciliary care (currently this only applies to people needing residential care) meaning more people will pay.

No-one will have to sell their home during their lifetime, as they will be able to borrow money which will be paid back from their estate after their death.

The party’s manifesto proposes ditching the “triple lock”, in which the pension is raised in line with the highest of average earnings, prices or 2.5%.

From 2020, its plan is to cut the 2.5% element, to leave a “double lock”.

What are your views? Has Theresa May got the right balance for pensioners? Have pensioners who consistently vote in general elections been targeted? Or is this a realistic solution to help fund social care with an ever growing ageing population and a shrinking pot of money? What would you do?

Has Theresa May got the right financial balance for pensioners?

1190 people have already voted, what's your opinion? Yes No

What are your views?

We'd love to hear your comments

Not a member?

You need to be a member to interact with Silversurfers. Joining is free and simple to do. Click the button below to join today!

Click here if you have forgotten your password
DianeW6
21st Sep 2017
0
Thanks for voting!
Started work at 15.no state pension until 66. Paid tax and ni. worked raised two kids chef cook bottle washer and everything else. 6 years robbery thank you for nothing. politicians!!! don't get started.
snoopy2015
5th Jun 2017
0
Thanks for voting!
seriously ? i would like to know what is middle class how is it defined ? a puzzled old man from the sticks never shown interest in politics before
doenut
31st May 2017
2
Thanks for voting!
Disgusted that T M is a lady born in the 1950's totally ignoring her Sisters born in the 1950's, most not informed by letters in 1995 or 2011 that our pension age was increased to 65 then another year added to 66.
What really anoyes me is T M keeps saying nobody will wait more than 18 months, after 42 years N I payed in I will be waiting an extra 6 years with no notice, in 1995 I did not read the Financial Times, to busy bringing up 3 children holding down a job and supporting my husband on a 3 day week,
No mobile phones or internet then! I will be loosing over £40.000 Gutted.
Jessie14
31st May 2017
2
Thanks for voting!
Exactly the same, born April 1954, Pension November 2019. How on earth can TM say no one has to wait longer than 18mths?? We are living on my husband's pension, I have NO INCOME but 39yrs NI. It's a shambolic mess.
doenut
31st May 2017
1
Thanks for voting!
So sad, living of my redundancy payment for the last three years, but I am one of the lucky ones, others I know not so lucky having to sell there houses, and use food banks, what has the 6th richest country come to, keep your chin up, we can but hope x
Curley
31st May 2017
0
Thanks for voting!
With the debts the country and current Government inherited,
Theresa May has little room to manoeuvre. The country seems to be forgetting what a mess was left.
snoopy2015
2nd Jun 2017
0
Thanks for voting!
and yet the amount for foreign aid is all borrowed money and the country 3 times deeper in debt than when they took over i am no supporter of labour and only slightly for cons i dont know writing this makes me so annoyed when our country is in such a mess
scandiman
31st May 2017
0
Thanks for voting!
If the Tories can't win this election when their main opponents are Corbyn, McDonnell and Abbott, they deserve to lose. All of these are in positions far above their capabilities and none has ever held ministerial office. Their antics, combined with Labour's appalling history with economics should be a gift to the Tories.
May shot herself in the foot with her policies on social care, and it could cost her dearly. What a terrible mess.
cullena
29th May 2017
4
Thanks for voting!
No!!! the majority of pensioners have worked since 15/16 years old and have more than contributed to the economy, if they are going after anybody it should be the BIG earners who can afford it .
Barton babe
26th May 2017
1
Thanks for voting!
The government have got it wrong once more, leave us old folk alone, pick on your own kind for a change.
dementedgranma
26th May 2017
5
Thanks for voting!
My husband and I have worked hard all our lives, I really feel that our pension is what we have paid for over the years, it is not an entitlement, which the government think it is, IT IS OUR MONEY. Stop giving money to countries that A. Do not need it. B. Do not deserve it. Charity begins at home.
This country is run by people who do not have to worry about their old age, with tax payers money making them very comfortably off, having jobs as Board of Directirs in big companies and raking in more money than we can only dream about.
Yepuxl
25th May 2017
1
Thanks for voting!
Are there any politicians who put their citizens first before other countries?
All politicians like to grandstand on the world stage.

There appears to be no penalty to making the country poorer otherwise than losing the next election where the next winners make the country poorer and other countries richer!

A rock and a hard place time!
Lionel
25th May 2017
0
Thanks for voting!
Lionel
24th May 2017
5
Thanks for voting!
Does anyon else find it a little disturbing ... the young people have all the 'rights,' and we who have paid for 'rights,' seem to have fewer and fewer?
Aqt4u2nv
22nd May 2017
7
Thanks for voting!
She has not got the balance right and she is not really interested in the poor, old or vulnerable people only in appeasing her rich cronies
Matilda1
22nd May 2017
6
Thanks for voting!
As pensioners my husband and I have worked hard and at times only managing to bring enough in to buy a home and care for our children. Now things like bus passes and the winter fuel allowance mean that we have some small luxuries that we have earned through a lifetime of contributing to the system. Why should we be penalised?
thefilthycripple
22nd May 2017
4
Thanks for voting!
She needs to define what a " wealthy pensioner " is
Wilf
22nd May 2017
3
Thanks for voting!
I agree. Especially as the value of property varies so much in the UK
Lionel
25th May 2017
1
Thanks for voting!
Wilf, aren't such vague statements just typical of Party Manifesto's? 'We'll invest (nice choice of words) an extra ten billion pounds in the NHS.' Sounds good so far, but it could be over the life of three parliamentary terms! Somewhat devalues the investment.

Both politicians and their manifesto's deal largely in rhetoric. That's not very helpful to voters who wish to know what a party will do with our country over the next five years. But it does give the winning party a huge licence to revert to political type.
djl277
22nd May 2017
3
Thanks for voting!
A u-turn on Social Care reforms? It's a bit late for the PM that some of her manifesto pledges are a big vote loser.

Tories - incompetent liars.

Strong and Stable - don't make me laugh.
thefilthycripple
22nd May 2017
2
Thanks for voting!
The thought of a communist running the state finances , the police and security and an idiot running education ,etc
djl277
22nd May 2017
2
Thanks for voting!
The thought of someone who cannot hold their manifesto pledges together for more than a week leading the most important negotiations for over a generation...
Lionel
22nd May 2017
4
Thanks for voting!
And another who would rob blind the old.

But who to vote for?
Doggyvonne
22nd May 2017
2
Thanks for voting!
The idea of caring for your own parents is fine but some people dont have adult children who are in a position to do this? Consider, disability, incapacity, location and aptitude as well as when your parents first had kids - you may be too old to care for others yourself! I dont think many 75 year olds can care well for a 95 year old parent especially if there are also spouses still alive! Whilst i could believably care for my mother right now at 60 if she lived with us I cannot travel 5 hours on buses and trains to do it and she is unwilling to move! What if you have 2 or more parents and inlaws with longevity???? My sister is only 45 but she has a family, mortgage and has to work. Think again Theresa! People all ready paid taxes to pay for their end of life care.
thefilthycripple
22nd May 2017
2
Thanks for voting!
Lionel
22nd May 2017
6
Thanks for voting!
Yes, Yvonne, my wife and faced this situation days after we married. Her parents lived in what was Worcestershire - now the West Midlands - and we are in East Anglia. I was a truck driver at the time and would be at the wheel nine hours a day. Then, in my new home the phone would ring and we'd set out for Worcestershire, almost three hundred miles by road, sort out the family problem during the night and drive home. Then another nine hours driving. After some months of this I crashed. First dose of glandular fever which I'm this day just getting over another outbreak.

The State could have seen this sort of situation coming - they have had sixty years knowing the Boomers were going to get old. The State has engineered society so women as well as men need to work to provide what is an ever diminishing standard of living. But there has been no provision for this vast rump of population, the Boomers, getting older.

So we are left bringing up grand children, being the bank of mum and dad, coping with a world we decreasingly understand ... and to cap it all, worried about provision for our later life.

I don't wish to be too controversial here, but the £14 billion a year on foreign aid could be a lot better spent on the Boomers - it is after all, our money.
Doggyvonne
22nd May 2017
2
Thanks for voting!
The idea of this dispassionate and greedy state leadership being responsible for elderly care provision when they stand to inherit a massive portion of their life savings and property is completely unethical. Think about it...want more money -let more homeowners die sooner???? This could also be leading to the nurse (state) saying we cannot provide the standards of care you all need with the present NHS and only private medical care can manage it all. The younger people of the country will then be saddled with paying for private health care. The Tories are looking for a reason to dismantle the welfare state and NHS. They have contrived a failing care system so people demand better then they will do what they want in first place and privatise it all. The elderly with capital and property and their loved ones will demand higher standards if the estate is to pay for end of life care and the 'nurse' will then reply she cant afford that so we all all people under retirement age need to pay for private health insurance.
Not everybody has Mary Poppins for a daughter either!
maryroth
22nd May 2017
5
Thanks for voting!
As a pensioner I have worked and penny pinched to buy a home and care for three children and happy to do so .It is a little easier now but has been a long time coming .I enjoy the bus pass and use it to get out and about with friends . The winter fuel payment takes away the worry of putting the heat on .I am nearly of an age for the TV licence but it looks like the could go to .. How do they define better off pensioners? I do not claim anything as just on the cusp of managing . Shame on pensioners for having reasonable time in our twilight years.is that what they are saying?. I do feel for the young that are struggling of course but we have all been there !
TrudyLS
22nd May 2017
2
Thanks for voting!
Why are people so bothered about what assets they leave when they are dead. Better to leave good memories
BarbaraS54
22nd May 2017
2
Thanks for voting!
I just think it's wrong that the home people have worked hard to buy will be taken into account in any case. We need to bite the bullet and increase tax and NI contributions to cover these costs. In most cases their home is the only thing they can pass on to their family to help improve their life. We need to make it more rewarding for people to work, right now some people choose not to work, but they won't have to worry about health care costs.
Ayrshire lass
22nd May 2017
2
Thanks for voting!
My opinion is that we have already contributed to NHS for approximately 40 years and therefore have made a considerable contribution towards care if necessary in our later life. The current younger working population should contribute more towards care for the elderly. I know this will not be accepted but we all hope to grow old without our assets being confiscated by wealthy politicians who have no conception of the sacrifices that were made by the majority of us to accumulate what little assets we have. To see them being taken from us when we are unable to replace them brings a deep feeling of insecurity and possibly depression.
VeraS
21st May 2017
2
Thanks for voting!
I haven't made my mind up yet all I know is if Mrs May upsets the pensioners we will upset her, I will be sure come polling day
Brenmau
21st May 2017
4
Thanks for voting!
Also cant understand why everyone is so surprised that the NHS is going under, it can't possibly do anything else when we have so many extra people in the country!!!
Brenmau
21st May 2017
2
Thanks for voting!
totally unfair to stop winter fuel payment...If you live in Spain you shouldn't get the payment anyway!!! also why should pensioners in Scotland still get the payment? something not right somewhere!
Lionel
21st May 2017
2
Thanks for voting!
At present these are only proposals, a statement of intent. Between now and when the Bill is prepared for the Commons many factors might change or even make these proposals no longer viable. Interest rate hikes, property crash, run on the pound sterling, GDP downturn.

I think we must wait and see what is put before the Commons, but even that must be debated and voted upon.
Paulandminou
21st May 2017
3
Thanks for voting!
Please correct me if I am wrong but at the moment it is my belief that costs for long term care in a nursing or care home already have to be paid for and the value of the family home is taken into account with just around £23k left.

Presumably that figure will now come up to £100k in line with the new rule on home care. So for anyone who has care in a care home the Govt will get £77k less.

For anyone living in poorer areas of the country where the value of a property is lower the Govt will also lose £77k

For those very rich I am sure they will find a way of avoiding payment so the get loses again!

In summary they will not get enough from this new scheme to fund social care but all they are doing is imposing a new inheritance tax on the middle class in the south who are their traditional voters but where they will still win in the election. On the other hand it will be more popular in traditional labour seats where they hope to win seats.

By the way it appears any monies will not be taken whilst a spouse is living in the property.
oscarsmum08
22nd May 2017
1
Thanks for voting!
Hi, yes you are right but the proposal in the manifesto is that the same arrangement will now also apply to care provided in the home. Consequently, the Government will recover some of the 'losses' in relation to care home fees.
This is what people are concerned about and why it has been classed as a 'dementia tax'.
george46
20th May 2017
2
Thanks for voting!
Theresa May is shooting herself in the foot by the triple whammy attack on pensioners who traditionally have supported her government.

She really has not thought this through properly and one starts to doubt her decision making and lack of astuteness.

If she can get this so wrong what hope is there for her negotiating Brexit successfully?

The other topic she has got totally wrong is foreign aid. How can the country afford to be philanthropic when we are running such a huge national debt? The national debt should be paid off to the point where we are a cash rich country then foreign aid could be considered responsibly.
An individual whom is in debt cannot afford to be philanthropic so why should a country?
oscarsmum08
20th May 2017
2
Thanks for voting!
Whilst I acknowledge that tough decisions need to be made and we, as the more senior of our population, need to share in the responsibility of social care for the elderly, I do feel that the combined measures proposed are excessive.
When you have worked, saved and taken responsibility for yourself and your family over the years and thus paid into the welfare fund, it is wrong that your savings and the equity in your house, your inheritance, should then be purloined for this purpose.
If you have not worked or otherwise relied on benefits, do not own your own home and thus rely totally on the State for your income, then your care is paid for. Yes, we need to take care of those who, perhaps through no fault of their own, have not been able to work or have fallen on hard times, but nonetheless I feel aggrieved at this inequity.
I do, however, believe that the Conservatives are the only viable party at the moment to ensure that the Brexit negotiations are conducted in line with the will of the majority of the UK citizens. It is crucial for our Country that we emerge from the negotiations with a fair and reasonable agreement so I will still be voting Conservative.
However, I will be lobbying my MP to express my views and concerns over the care reforms and if we all did this then maybe, just maybe, the Government will listen - assuming the Conservatives are re-elected on 8 June.
DavidB248
20th May 2017
3
Thanks for voting!
I think the winter fuel allowance should be discontinued for the better off but retained for the lower and middle income groups.
However I don't think including the value of ones home when assessing assets to grab from family is acceptable.
And while on my bandwagon I think the gradual erosion/elimination of the savings element of those still entitled to pension credit a gross injustice!
DonS
20th May 2017
6
Thanks for voting!
I think that Mrs. May is biting the hand that feeds her and this may translate into her loosing thousands if not millions of votes.
I believe that there is a solution.
The generation of 'Silver Surfers' have always been a giving generation and where help has been needed anywhere in the world, we have always been 'first at the plate' with our purses and wallets open.
Perhaps, for the time being, It's time to pull back.
Under the EU regulations we have to contribute a percentage of our GDP to the European Foreign Aid budget and this costs the UK approximately £13Billion per year. On top of this figure we have to borrow that £13Billion to give away and so we have to pay interest on top. The actual cost of our contributions to this fund is probably in excess of £14Billion per year.

With what we could save when we leave the EU plus this £14Billion, we should have enough to address the real plight of many pensioners in the UK, we should have sufficient funds to rapidly build the Social Housing that we need, we will have adequate funding to properly look after our military personnel returning from war torn environments and we should have sufficient funds to address the needs of OUR disabled and mentally needy population.

For a limited time...say the lifetime of the next parliament...5 years, We could have an additional £70Billion to spend on the needy in this country.
In other words, it is time to remember that CHARITY BEGINS AT HOME.
Lionel
20th May 2017
0
Thanks for voting!
Commonsense, not political nonsense. Thank you.
TrudieD
20th May 2017
1
Thanks for voting!
RogerL1
19th May 2017
2
Thanks for voting!
When as a pensioner you have budgeted to include the winter fuel allowance, to suddenly have it pulled is unacceptable.
If Mrs. May underestimates the silver vote she may live to regret it.
MichelleR4
19th May 2017
0
Thanks for voting!
With the choice of leaders our country has Theresa May is in my opinion the only person with guts enough to get our country through the next few years, she has been thrown into the lions den by that prat Cameron who didn't have the guts to follow through after the Brexit vote which he instigated hoping for the remain vote to keep him in comfort at no 10 and sit on his arse doing what he was good at nothing.
Well I'm sorry if I offend anyone but Prime Minister May has said what she feels is right and for this Country to go forward and come out the other side of Brexit and prosper in the world which if I may be as bold to say does not start and end in Europe she has had to make tough decisions which we won't all benefit from or like but we all have to appreciate she has to pull the belt tight for the time it takes to complete the job in hand.
I come from a working background and my Father would go bonkers at me if he was still alive that I am voting Tory but in my mind there isn't anyone else that deserves the title of Prime Minister
I too am a pensioner and these cuts will probably affect both me and my husband, but we have children and grandchildren and want them to have a future in a prosperous country run by someone who isn't afraid to be castigated for doing the most unpopular job of bringing this country through a very difficult time in our history.
So to answer the original question Yes I do think she has got it right because if we don't look after ourselves financially then it falls to our children to support us and nurse us which in turns beggars the question who looks after them when they given up all they have for us their parents.
We are not well off we both have ill health but are realistic enough to know that whoever gets the top job there will be hard times ahead but I trust Theresa May will get us through to the other side of all this turmoil with guts and determination for the best result for all of us to benefit from eventually, So she will get my vote on June 8th and I really hope she gets voted in on her own merits not as a by product of an inept ex prime minister and the country gets behind her after all she can't do any worse a job then the Tony Blair/Gordon Brown Government or the Nick Clegg/David Cameron coalition,
As I said I don't mean to annoy or upset anyone it's just my point of view.
Wilf
20th May 2017
2
Thanks for voting!
I think you are right Michelle we have a situation which is bad for a democracy like ours that there is only one person who fits the bill to be PM. Corbyn is a joke and has had a charisma bypass; Fallon looks like he should still be in school and wants another Brexit referendum (I voted to stay in the EU by the way) and UKIP have fallen apart. Even in Mays cabinet its a tough one as there doesn't appear to be a suitable leader-Boris is a clown. Maybe David Davies he always seems to talk straight. I think May has the country at heart and although difficult will get us through the Brexit process
Lionel
20th May 2017
2
Thanks for voting!
Well said Wilf. Once again you've nailed it.
Wilf
20th May 2017
1
Thanks for voting!
Thanks Lionel-much appreciated!
linj
25th May 2017
0
Thanks for voting!
Think Theresa has shot herself in the foot upsetting so many silversurfers. However will still be voting for her but with a slightly heavy heart this time around. The clown Corbin and his croneys does'nt bear thinking about.
Doggyvonne
19th May 2017
3
Thanks for voting!
there should be more positive measures like incentives for generations to live together -suggest grants to add annexes or attic rooms to make a house big enough for granny to move in and then both generations paying a sum back over time instead of paying exorbitant fees to a care home!
babs42
19th May 2017
4
Thanks for voting!
It depends what is meant by better off. Because my husband paid into SERPS it has put us two pounds above claiming pension credit. He paid in for 45 years and we get the lower pension and mine is only basic as many of my former employers did not pay the full stamp unknown to me. We would suffer financial hardship if we were to lose the fuel allowance as a result of pension credit being the cut off point. It makes me wonder if it was worth being responsible as those who haven't been seem to do better.
Bigjohn
19th May 2017
3
Thanks for voting!
I totally agree with the Fuel Allowance on a means test. Jeremy Corburn is a pensioner with a very high income, yet he still accepts the allowance even though he can afford to pay for his fuel costs. He technically is a scrounger as he doesn't state he doesn't need it. When the tories have done their calculations I may come within the test to gain that allowance.
jennysue19
19th May 2017
2
Thanks for voting!
I don't have a problem with removing the fuel allowance for those receiving large personal pensions OR are still working and receiving a salary - like many of our MPs - in addition to the state pension AND all the expats who are living in the sun but still get the fuel allowance.

However for those of us living on state benefits alone, taking the fuel allowance away is cruel and vicious. My state pension and second (contracted in SERPS) pension fall marginally outside the threshold by just a few pennies from where I could get Pension Credit, but I don't qualify for one penny relief from Council Tax which is nearly £1300 p.a Now I look likely to lose another £200 of my annual income. The only place this can come off my budget is by cutting back on food. It's a disgrace.

There are millions of pensioners who will just give up and not even apply for the means tested allowance as they currently fail to apply for Pension Credit.

I hope when Theresa May looks at the stats for the number of people who die of cold next winter, she will feel deeply ashamed of what she has done because it will be on her conscience.
Linda Ward
19th May 2017
1
Thanks for voting!
Its very fair that pensioners living abroad should not receive the winter heating payment. Its also fair that wealthy pensioners should not receive the winter heating payment.
Littlegpd
19th May 2017
1
Thanks for voting!
I agree with Theresa May why should the younger people pay our care costs when we have money to pay be it after death.

Also how can it be right that I have people get the fuel allowance. It's down to greed.

I am a conservative and believe in their principle So?
jennysue19
19th May 2017
3
Thanks for voting!
I suggest you edit your post and make your meaning clear.
Yes there are some people who should not get fuel allowance - like those living abroad in sunny climates, anyone over pension age still receiving a salary.

I suggest this test.

If you get Pension Credit, you get the fuel allowance without further question.

If you ONLY receive state pension including SERPS which is pathetically little in reality, you get the fuel allowance without further question.

If you have any kind of private pension which you receive monthly/weekly AND it exceeds a given amount - say £5,000 p.a. then you don't get the fuel allowance.

If you have an income from investments OR a salary or other income which exceeds the given amount then you don't get the fuel allowance.
scandiman
19th May 2017
7
Thanks for voting!
Afraid I no longer care. Who ever wins the election will do as they please, and there's s.d all we can do about it.
Lionel
19th May 2017
5
Thanks for voting!
Yes, Scandiman, you are quite correct, again.

These are aspiring aparatchiks of the State and whoever is elected the State will do as it wishes. In essence, little change, if any.

I find my level of caring about politics, and my part in it as a voter, diminishing too. This election is so confused I may just vote for someone quite outrageous. Monster Raving Looney, are they still around?
Lionel
19th May 2017
3
Thanks for voting!
If the number of people saying they will not vote Conservative in the election is taken at a national level Theresa May is in real trouble.

Given polls have proven to be notoriously unreliable, and plain wrong in 2015 and in the Referendum, then May is basing her hopes of a majority on the Emperor's New Clothes.

Thus, to answer the question, has she got the balance right? It would appear not.

Best advice to Theresa May, don't bite the hand that feeds (votes for) you. The Grey Vote has always been vital for a Tory victory. In biting us in the backside to save a few pennies, we could well bite back and put her on the back benches.
GeorgeN5
19th May 2017
5
Thanks for voting!
I have paid in to the system for over 49 years they seam to blame the old for living too long also I paid a mortgage which at times was 15% the young have no idea of how good a rate they are getting
Doggyvonne
19th May 2017
5
Thanks for voting!
My husband and I have earned, saved and planned wisely to retire in Sidmouth having accounted for various needs in our family. We downsized from a detached home in Cambridgeshire plus used some small shared inheritance to purchase a 1 bedroom flat in Essex for my bachelor son then 35 who wasnt a high flyer and needed support. The seedy rented room he had in a shared house was not suitable to accomodte his small son on custody weekends.

I was sleeping easy thinking my husband and i would be comfortable but not well off in retirement both even though I have been a housewife working very part time for just a few years. We are just managing at present on Paul’s private pension as we both are still under 65 without state pensions. Not getting my pension and bus pass was a blow but we calculated we could manage if we are careful. Now i am unable to sleep after the announcement concerning elderly care and paying with proceeds of ones home or homes?

My first question is has the government considered what happens to anyone else left living in the house after death and care expenses? Whether it be a partner, spouse, son, daughter, sister, brother unemployed, disabled, mental health patient etc what rights would they have to retain the house ?
The second question is relates to our own second property housing my son now over 40 and still single and struggling on minimum wages and paying us a below market rent for maintenance and bills to be paid . If this is taken in process of paying care fees for us later he will be homeless again . We have only just managed to stabilise his life and get him some security? Not only that we may one day consider taking in my own mother now 83 and the same situation could apply to her if we both died before her. My brother has all ready died.

My third question is about the £100000 cap - is this after the pension pot is spent too ? I have no pension of my own above a reduced state pension so if my husband needs for instance dementia 24 hour care for many years will the pension he planned for us/me still be set aside untouched?

I am very worried.
Lionel
19th May 2017
2
Thanks for voting!
Yvonne, I think it's too early to worry.

Party Manifestos are, of the very nature, broad statements without giving much detail. They give a proposed general policy direction. Seldom do they give a time when a certain policy will be enacted in Law and often, when they get around to it the situation has changed and so does the policy.

In short, we just don't know enough.

But in threatening, or at least frightening the Tories traditional voter base, the Grey Vote, they risk an electoral disaster. Thatcher thought she could get away with it and she lost a lot of seats.

The Prime Minister is expecting to get a thumping majority based on the fact the Tories are the only pro Brexit party. Polls say she may well be correct in that. But polls are notoriously unreliable and very often in recent years, entirely wrong.

Yvonne, the time to worry is when May has a substantial majority in the Commons, sufficient to get her manifesto enacted in Law. And even then we won't know detail until the Bill is published.
Doggyvonne
19th May 2017
3
Thanks for voting!
I spoke to a long term Tory voter age 89 today who feels the same as i do. Both she and I dont have a passport or a driving license and according to another headline today we may not be able to vote in future without them? As so many older folks dont drive or go abroad it means millions could be denied a vote unless they shell out for a passport.
Lionel
19th May 2017
2
Thanks for voting!
Ah, yes. I read this too.

Election fraud is not, I understand, a major problem here so measures to combat it must have an ulterior motive.

Methinks the motive may just be to narrow the voter base. In Labour strongholds up north where I lived for very many years have many people who don't drive legally, nor have a passport. To keep them out of an election would surely favour the Tories whose voter base is those better placed in life who have a licence and a passport.

You see, Yvonne, those enfranchised people in the UK delivered a massive shock to the Tories last year. Brexit. It cost them a Prime Minister. They are shoring up their defences now to be sure such a shock doesn't happen again. But, it's a matter of whether such a plan is constitutional. We don't have a Constitution as such, but we do have Magna Carta, the Bill of Rights of other laws limiting the powers of parliament.

The universal franchise is enacted in law. Like Magna Carta and the Bill of Rights, it may not be tampered with by any UK goernment. It is inviolable. So, when this present move to restrict the voter base is tested in Law it will probably fail because it disenfranchises those who traditionally have the right to vote.
jennysue19
19th May 2017
2
Thanks for voting!
We should have gone for national identity cards long ago. It would solve a lot of problems now.

However, there is no requirement to take your voting card with you to the polling station. Let's say I know another elderly person in a different polling area who I know won't vote in person or by post. I could turn up at their polling station and vote and all I would have to do is quote their address. It is ludicrously insecure.
JohnHerb
19th May 2017
1
Thanks for voting!
I agree with your regarding national identity cards. I also think all males at least should have DNA swabs. It would save the police so much inconvenience and time
BungalowBel
20th May 2017
1
Thanks for voting!
Put your son's flat in his name.
Paulandminou
20th May 2017
1
Thanks for voting!
You are allowed to keep £100k in assets, as far as I can see that would include a second property.

Whilst it may seem very easy to just transfer the property into your sons name as you only have to complete a simple HM Land Registry form please be very careful as this may have tax implications as it would be classed as a gift and there is an annual limit. You would be wise to consult with a solicitor before taking any action.

As regards other people living in the property they do not appear to have taken this into consideration but I think public outcry would be too great if they started throwing people out on the streets. After all another part of the manifesto is to end homelessness.

I do not think you should worry at this stage, thankfully you do not have a degenerative disease and hopefully never will. There are also too many questions to be answered before we know the full scope of this proposal.

Bring on the Pensioners Revolt.
Paulandminou
20th May 2017
2
Thanks for voting!
Looking at the present system where the value of the primary residence is already taken into account if someone needs care in a residential home this is NOT the case if a spouse or dependent lives there, presumably this will still be the case.

See Age UK website for further details.
Doggyvonne
20th May 2017
1
Thanks for voting!
but a second residence with a son living in it?
Doggyvonne
20th May 2017
1
Thanks for voting!
lots of reasons why we would not do that
BarbaraS54
22nd May 2017
0
Thanks for voting!
I have secondary progressive MS and my husband has dementia...... I just can't think about the future.
MaryH5
19th May 2017
6
Thanks for voting!
both my husband and I worked all our lives, he sadly never reached pension age, they are targetting the wrong people all the time we paid all that money in and now have to manage on pension, people say to me you get benefits well yes 25% reduction on my council tax as just me here, heating benefit was cut Why in a house on your own it is much colder than it was when all the family was here, people assume that we all get benefits and if we don't then we are well off well I'm neither
SheilaR14
19th May 2017
4
Thanks for voting!
Both myself and my have continously worked full time since 15yrs old.
(Other than myself 18 months materity leave).
Struggled to pay morgage
Both poor health.
Retired at 60yrs old.
Now I have to wait until 66yrs old for state penison.
With that and the further cuts Teresa May is proposing we are strggling at a time of life where we should be reaping the benefits of our hard work.
Billythequiche
19th May 2017
4
Thanks for voting!
Impossible to say yet, we have no idea where the levels will be to qualify for the fuel allowance. It has to be better than meaningless promises of jam when the economy will only sustain marge. We need to lobby for our due but if we are too greedy there will be a backlash from the younger generation.
Lionel
19th May 2017
4
Thanks for voting!
Billy, your posts are straightforward Northern common sense. Thank you.

Whether we lobby hard for our dues and demands or not, there is a backlash coming from the young. A few years ago the BBC broadcast a TV play about just that - generational warfare. It made very sobering viewing. But, there is nothing factual, nor rational, about their anger towards us older ones. It is a lash back, unreasoned, and impenetrable to anyone of our age. It is anger the country is not as they want it to be; anger they have come to the work place at a difficult time, anger they just can't have whatever they want on a pick and mix basis.

This is endemic in my step family, so I live through it all the time.

We older ones were blamed by the young for Brexit at the Referendum - they didn't mention the pitifully low voter turnout in the sub 30 age group. We're blamed for consuming too big a slice of the national cake, when they don't consider there would not be a national cake if we hadn't baked it!

So, let's just lobby away, in whatever way possible, because our kids will be pensioners in a few years and will ask us why we didn't once again fight for them.
Billythequiche
20th May 2017
1
Thanks for voting!
I'll raise a glass to your comments, cheers. If you discount Liverpool in the seventies, all the common sense comes from the North.
Lionel
20th May 2017
1
Thanks for voting!
Billy, I was a farm worker and shepherd in North Yorkshire for twenty years. It took me that long to think like a Northerner.

Tonight, after a stressful day of family and teenagers, I'll raise a glass to you mate. Please don't desert Silver Surfers, we need your lovely logic.
Billythequiche
20th May 2017
3
Thanks for voting!
I would not think of it, I would not let down people like you or the others who, through this site, have found a voice. I would like to call them friends if that did not offend anyone. I still have the reticence of my generation and upbringing spiced with the danger of ''political correctness''. I enjoy ALL the posts, even the ones diametrically opposed to my views, it is good to be challenged to look again at your beliefs. If the general public could see some of the posts, they would know for sure that there is still political astuteness as well as common sense in our generation. I have half joked in the past about a ''Grey Party'' to represent us, maybe it is not so fanciful.
By the by, have you thought of writing about your experiences on the farm and as a shepherd? As a fan of The Yorkshire Vet and a keen reader, I am sure it would be interesting.
DoreenJ5
19th May 2017
6
Thanks for voting!
Born in 1938 nether claimed dole money or any other benefits . brought my council house because it was cheaper to buy than pay rent it took me 25 years but I did it .I never had much to give my 6 children when they were young looks like they wont get much now they are older . I dont think any of the parties live in the same world as normal people
velocity
19th May 2017
6
Thanks for voting!
We worked and tried to save as we were told to. Now we are to be penalised for doing this. If we had spent all our money and not worked at all all our care bills would have been paid for us. What part of this is fair? The charge on our homes will be charged with interest so surely this could put the remaining £100000 at risk? It's a joke but no party seems to be any better.
Why are M.P's given huge wage rises but we have lost the lock?
JoyceT8
19th May 2017
4
Thanks for voting!
In spite of all her speeches about caring Conservatism Theresa May is showing no understanding and no compassion. Instead of repeating the mantra "Strong stable leadeship" she should get out and meet "Ordinary ... people" instead of small groups of Tory loyalists. She needs to listen to people and understand how these policies will affect people. She is so confident of winning the election that she can ignore older voters.
Lionel
19th May 2017
4
Thanks for voting!
She will ignore older voters at her elctoral peril. Thatcher did and it cost her a lot of seats and made her next four years very difficult to manage.
jennysue19
19th May 2017
2
Thanks for voting!
If Theresa May or any of her friends turn up in Portsmouth, I will go and give them a piece of my mind.

She is alienating the grey vote at her peril
Meg13
19th May 2017
13
Thanks for voting!
Born in 1952 I worked from the age of 15, brought up 3 children whilst working full time. I paid National Insurance and tax at the rates requested never asked for anything from the system. I was one of the (lucky?) ones who only had to wait til 62 and a half to draw my state pension but still felt agrieved. Is it not our money that they are dictating to us when we can have it? We own our house and have a little bit of savings through hard work and sacrifice. My husband and myself have been lifelong conservative voters. Last night my husband unsuscribed from the conservative websites and said that is it and I agree they will not get either of our votes now. I agree we have to sort the countrys problems out and that someone has to pay but to hit the very people who have kept this country going through years and years of turmoil is wrong.
jennysue19
19th May 2017
2
Thanks for voting!
Please, please don't go and vote UKIP! Don't want that passel of fascists in Parliament just when we thought we'd seen the back of them
outdoor girl
19th May 2017
7
Thanks for voting!
I am totally disgusted. Ripping off the pensioners now as they are an easy target. Why are people voting for Theresa May and the Tory party? We are definitely not all well off. I am 70 this year and still working and will have to do so indefinitely. I've never claimed anything from the State and only have my State Pension and a half share of my home including a small business with my daughter. Worried about what the future will hold for her now!
AllanW
19th May 2017
8
Thanks for voting!
We're thinking of gifting the house to the kids now so we end up with no assets at all.
Lionel
19th May 2017
2
Thanks for voting!
Yes, we're going to have that discussion just after the election.
oscarsmum08
20th May 2017
1
Thanks for voting!
Unfortunately, that might not work Allan. Currently, if you were to gift your house to your children, the Council will deem you to have transferred your assets in order to avoid paying for care fees and will still seek to include the value of your house in their calculations. Whether or not that will be the case under the new rules once they are determined is anyone's guess but for now hang fire and, if I might suggest, take some advice before taking this step.
There are also Inheritance tax issues to consider if your estate would attract IHT on your death, so again expert advice will be beneficial.
Whatever you decide to do I wish you good luck.
JuneAA
22nd May 2017
0
Thanks for voting!
That is what we are going to do, at least then we will feel that we have worked for something. Hopefully we will never require residential care, but the system is set that if you have saved and struggled to buy your own home and have some savings, then you will pay. If you have never owned your home and not worked you will not pay. That really is not fair and I like everything to be fair .
JuneAA
22nd May 2017
0
Thanks for voting!
If you have gifted your home and do not need care in the next seven years it would not be seen as a transfer of assets as they do not check prior to the seven years.
GeorgeW3
19th May 2017
7
Thanks for voting!
What in these days is a middle class pensioner ?Is this someone who has worked all their days to make a better life for themselves and their family, Paid Taxes, National insurance contributions and saved to ensure a decent life when they retire, These people along with young people making their way in life are the people we need to look after, Not the Tax Dodgers that Theresa Mays Husband works for to ensure that they pay very little and contribute less to the economy and society
AnneF5
19th May 2017
7
Thanks for voting!
Wish she realised pension is not a benefit I worked from the age of 15 paid into the system then was penalised because I was born in the fifties we should be given a decent rise all mp's are given a decent rise for not doing a very good job and as for winter payments they are having a laugh
JeanJ4
19th May 2017
2
Thanks for voting!
Can anyone answer my question, which is, my hubby and I are tenants in common on our home, which means that we own half the property. Will the £100,000 be based on my share of the property or would the Council be allowed to base the figure on all of the property if only one of us has to go into care.
Lionel
19th May 2017
2
Thanks for voting!
Jean, I am in th same place as yourself. But we have to wait for the Bill to be published before we know any details. I refuse to be spooked by politicians at election time. Let's see the proposal and then turn the thumbscrews on our MP until he/she squeals.
Paulandminou
20th May 2017
0
Thanks for voting!
That is an interesting point which I have also been thinking about but no, no-one, probably not even Theresa May can answer that at this time.

It is the same with money held in a joint account, how can they tell what part belongs to the sick partner and what part to the other?

With my house the position is slightly different in that it is just in my name so presumably if I need care my wife is just left with £100k but if she needs care she does not pay.
SheilaB83
19th May 2017
4
Thanks for voting!
While no one wants to lose money, someone has to admit that we have a major problem with financing people in their old age. When the old age pension was set up, age expectancy was probably early 70's. Now it is a lot older. So tough decisions have to be made. I am not well off, but I will lose out. But I like the idea that one hundred thousand of my assets will protected. I really don't like the idea, that everyone can have everything they want, and it will be financed on borrowed money, which somewhere down the line has to be paid back. I don't believe in Live Now let Some else pick up the bill and pay later.
Lionel
19th May 2017
3
Thanks for voting!
Sheila, the State has had seventy years to prepare for retiring Baby Boomers. It has singularly failed to even look in our direction. Hence we are all in this present mess. They expect us to reduce, reduce, reduce, because of Civil Service and successive governments turning a blind eye, leaving unpopular action to the next administration.

Added to which the vast industry geared to providing private pensions has massively ripped off policy holders over the years meaning what should have been a mostly self funded comfortable retirement has left so many near poverty. My wife is one of those. Following Thatcher's lead in the mid Eighties - before I knew her - she paid into two private pension funds. With my pensions we should have been very comfortable. However, it didn't happen. Massively ripped off, and that legally, we have enough for a very modest retirement, not the one we had provided for ourselves.

Oh, and I haven't mentioned the £5 billion a year tax take on private pension funds instituted by Gordon Brown. That hasn't helped.

I am not willing to further reduce our standard of living, which is already modest, because of successive government failures.
adrianwhitwell
19th May 2017
5
Thanks for voting!
we need to make work pay not by reducing benefits but by increasing wages. To many big companies are being subsidised by the tax payer by paying minimum wages and allowing the tax payer pick up the bill by topping this up with working benefits while the company makes huge profits. Also it is the tax payer who pays for the roads used to transport goods to the companies, the tax payer who pays for the education of their staff, the tax payer who pays for the doctors and nurses who care for their workers. Big business need to realise they have a moral duty to pay their way and not just sit back and say "well we create the jobs so be grateful" it is a 2 way street and profit is not the only thing they should be considering. Mrs May is in the usually Tory mindset of believing that business is king and the workers and pensioners should pick up the bill. Charge more tax to the big companies and give the pensioners some dignity in their retirement
Lionel
19th May 2017
5
Thanks for voting!
Adrian, that's a well reasoned case, one with which I agree. This entire concept of State supported low wages whilst reducing corporation tax is economic madness. It will only ever encourage corporations to offer minimum working hours and very low rates safe in the knowledge the State will make up the lack.

Our postman, who has been a good friend for a dozen years, tells me even Royal Mail have jumped on that band wagon. Some recruits are offered sixteen hours a week and the State tops it up.

It's high time we as a people reined in big business. They occupy far too big a place in society, have far too much clout the while calling the political tune. We must restrict migrant labour inflows because if we Brits say, 'No, we're not working for that low rate of pay,' employers look to Eastern Europe, Romania and Bulgaria for cheap labour. Hence, in the Fens of Cambridgeshire and Lincolnshire we have these incomers working for £3 an hour, gang labour, but that is a small fortune to them. How could we Brits exist on that rate of pay?

Big business has been on a pedastal far too long. Time to clip it's wings and say, no, we Brits, the people, come first. Not shareholders!'
BungalowBel
19th May 2017
5
Thanks for voting!
I am a Pensioner aged 67, receiving my State Pension and a small Local Government Pension. My husband receives his own Pensions.

I think the triple lock is unsustainable and have been saying for ages that it should be a double lock, so I welcome this proposal. It was also a matter of time before the WFA was means-tested; we as a couple almost certainly will not qualify. I accept this.

As for the care fees, well the country can't afford it so I suppose if you have the assets you should pay. As I understand it, if the house has a charge against it, it will not have to be sold until the second partner dies. And you will still be able to leave £100k to your loved ones. Not ideal, but inevitable I think.

Of course, do remember that if you can pay the fees through income and/or savings , then there will not be a charge put on your house and you will be free to leave it to your loved ones unemcumbered.
MikeS2
19th May 2017
9
Thanks for voting!
So the answer is clear sell house, rent flat, spend spend spend (something for the children ) and have 99,999 in the bank.
JohnHerb
19th May 2017
1
Thanks for voting!
That does seem to be the answer. Especially if you have worked hard and paid taxs all your life which most older people have
magic25
19th May 2017
6
Thanks for voting!
I agree with most of the comments and don't like the proposals to target the elderly who have worked hard and tried to prepare for there old age, more has to be done to not only create jobs but make it worth while for people to actually go and earn their money instead of just taking hand outs.
At the moment apart from self respect what incentive is there, work hard, never get family time or holidays (because they are to expensive in school holidays and you have used all your leave to cover child care during school holidays) then when you retire ( if you can ever afford to)give it all back to the government in taxes or for care. A great deal of the so called care is so badly organised/ managed and so expensive. I have experienced with my parents both residential and home care and both left a lot to be desired. The actual carers are usually good, caring and hard working people it's those running these companies creaming all the profits and putting nothing back. Those who run these businesses should be forced by law to invest a high percentage of there earnings back into the care sector in the form of training and education and what they can charge should be reduced and capped to make it affordable and accessible without having to sell your home etc.
SheilaG37
19th May 2017
7
Thanks for voting!
She has sold us down the river. A life time conservative saddened by Mays agenda.
She is penalising hard workers to get more votes, her promised changes are robbing our children of their inheritance.
We who have worked all our lives so that we may have a little security are to be being punished at the end of our lives and our lives work taken away.
We are not rich but we would have been better poor, they are given all that they need for nothing, we with a small amount of security are to lose it.
Where is the justice?
Pensions are meagre, maybe our politicians should try living on it.
Never have I voted away from conservative but no more, Mrs. May, you have betrayed me.
Csilla
19th May 2017
2
Thanks for voting!
So when someone dies owing hundreds of thousands in care fees, does the spouse have to sell up and leave the marital home whilst still grieving?
AllanW
19th May 2017
2
Thanks for voting!
No, but when they die the estate will be sold to pay off the debts save £100k. Not a good inheritance for the dependants. This is the first time property has been included in the assessment of assets, Most people going into care wont be leaving their houses to their children.
LadyG
19th May 2017
14
Thanks for voting!
I am a single mother. I brought my two children up on my own by working. No government handouts, no family credits, no nursery and no maintenance from their father only family allowance. I did not have a spare penny for a private pension. Every penny I earned went on feeding, clothing and keeping a roof over my children's head. Yes I own a house that is my old age investment. Why should I have to give more of my back breaking hard earned cash to the government I am a 1950s child and was really looking forward to retirement with my state pension at 60 only to have that snatched away from me. I have now to work till I am 66 with all the extra years worth of NI contributions (and there is a fair few of them) doing nothing to the pension amount I get. Plus after 2020 I'm not even going to get reassurance of the 2.5 increase yearly. After what will be 50 years of working paying NI at the full rate, not claiming anything but family allowance and I cannot look forward to my old age with the reassurance that the government will look after me in anyway. I will have to still pay my way. Not a lot to look forward to is it!
Wilf
21st May 2017
1
Thanks for voting!
I agree with you. The workers are taxed and then taxed again. I thought we paid tax to help with our own care. If the government thinks the social care bill is too high it needs to start getting efficiency in the system. My old aunt was in an old peoples home for years. Food was terrible-the care was ok but not great but the owners of the homes were making a fortune. They pay staff minimum wages and try and cut back on everything. WE will all (hopefully) be old someday and its not a good place to look forward to
maggie darkes
19th May 2017
4
Thanks for voting!
We've been had again! This is a cheap ploy to get young single votes.
AllanW
19th May 2017
3
Thanks for voting!
Well that will backfire because I've told my children that unless they undertake to look after me and the wife when we need it, they wont be inheriting the family home.
jane63c
19th May 2017
4
Thanks for voting!
I have no issue with the change from triple to double lock on pensions now the damage done by a previous Tory Government has been sorted. I have no problem with the winter fuel payment being means tested.
However the manifesto does not address health and social care at all. There are bound to be loopholes to allow the well off to legally escape the dessimation of their legacy.
Furthermore, none of this is properly and transparently costed - something other parties would be harangued for. The whole thing is vague and devisive relying on sound bites to con the population that they are softening their stance. Let's not be fooled by the nasty party.
iestynlad
19th May 2017
7
Thanks for voting!
I won't be voting conservative now. We've got our pension funds invested in our home after what happened in 2008 to the banks. If something happens to one of us before we get chance to downsize we lose our pension fund. We've paid NICS all our working lives to provide for our old age - we've been defrauded
yogina
19th May 2017
5
Thanks for voting!
It's really sad to hear so many people resentful of the help others get .I know many pensioners who have worked hard scrimped and saved all their lives to get by and who have no generous second pension . Means testing costs more than it's worth so why penalise these people !
Singingpink
19th May 2017
5
Thanks for voting!
The term "pensioner" is used to cover a hugely varied population. Pensioners who are in their seventies, eighties and nineties range from those who worked and got works pensions, some of whom got decent final salary pensions, others who saved in defined pension schemes who got annuities of 10% or more, and the vast majority who struggle on the basic pension, or even less. The Baby Boomers range from age 53 to 71, most of whom are still working. Those of us who have already retired, like myself, similarly have a range of incomes. There are some who got the silver-plated final salary pensions, but the ones who saved for their own private pensions found that annuity rates had fallen drastically. When I converted my pension pot into annuities there was a report about pension savings, and it said that the average pension pot was £25000. The AVERAGE, so given that there would be a sizeable number having pots of millions (why do I say this - because of the cap parliament put on tax-free savings into pensions) that means there was a similarly sizeable number with zero. We also know that women in this generation are badly served in the pension changes in recent years. That average pot in 2011 would have given an annuity of around £40 a month. Add that to even the full State pension at the time and I think you will agree that legislating for the future for all those "wealthy pensioners" out there should be more carefully nuanced. And remembering that the "triple lock" applies only to the State Pension - so usually around an extra £1 or £2 a week. My 88 year-old Mum got an extra 50p a week, and she is trying not to spend it all at once...
Sunfunmama
19th May 2017
4
Thanks for voting!
If you are"borrowing " money out of your estate who is doing the lending and will you be charged interest?
velocity
19th May 2017
2
Thanks for voting!
Yes, you will be charged interest.
Maynot
19th May 2017
8
Thanks for voting!
would be better to stop paying brit's who live outside our country the winter fuel payments and things may change we don't know what or how big an effect brexitt will have on all of us.
sarah jane
19th May 2017
10
Thanks for voting!
We struggled to buy our house, my husband always in work and I worked even when our sons were small ( homework then). We also tried to get a bit of a pension. Very few holidays and treats. This means the only help we get is the fuel allowance.
Then you get people who either never bothered to work or spent their money on holidays and other luxuries getting help with everything.
It makes me wonder who the idiots are!
MikeR
19th May 2017
2
Thanks for voting!
I don't live in the UK now so my comments are based on an expat getting the full UK state pension. My pension is around £160 a week, I also get the yearly increase.

If we lived in the UK and had no other income or savings above the limit me and my wife would get close to double as we would be entitled to additional help.

Keeping the triple lock for UK state pensions should be continued to ensure pensions keep up with inflation, this is in question though.

More needs doing to make people take out private pensions and save for their retirement, to many are just relying on the state pension to live on, which is clearly not enough hence the top up.

Taking money from those pensioners that have saved and invested in private pensions is not the way to go, it takes away the incentive to be self reliant.
Csilla
19th May 2017
2
Thanks for voting!
I did the right thing and took out a private pension. I'm not a risk taker so i took out a low risk, low return policy with a reputable company. They sold it on to a company who sold it on again. I was completely ripped off and I wouldn't recommend a private pension to anyone. As a woman successive governments have also stitched me up by reneging on their commitment to pay my pension at 60 as promised after taking my NI contributions. If a private company did this to their pension scheme they would end up in court.
gillyd4949
19th May 2017
7
Thanks for voting!
Some pensioners, like myself, live alone and don't own their home but pay a hefty rent. My pension does not cover my rent, let alone utility bills, food and clothing. I am very concerned that my pension does not rise with my cost of living and I rely on the heating allowance to help me budget. I work part-time to supplement my pension and fear for the time I cannot work anymore. I am very afraid.
HelenJ5
19th May 2017
7
Thanks for voting!
I won't be voting Conservative now. I have two parents both in their 70s worked and bought their home. Don't smoke or drink Vs others who never wanted to be home owners and spent what they earnt every week. Once a receiver always a receiver. Once a saver never rewarded
CarolA43
18th May 2017
8
Thanks for voting!
Completely out of touch with the real people in this country who are constantly struggling with life as it is nowadays. The ordinary people who don't have massive houses and salaries to match. They'll never know what it's like for us, why? Because they don't want,to!
PatriciaEast
18th May 2017
4
Thanks for voting!
I don't understand where they get the idea that all pensioners are well off from. I have my state pension and a works pension, both of which I worked and paid for and therefore are not 'a benefit'. I manage but would not by any means say that I am well off. I manage, mainly because I was brought up not to be wasteful - I don't throw away food left over from a meal, I use the leftovers in a meal the following day. If something wears out, I'll mend it. My television is one given to me by someone who was going to throw it away because they had bought a newer, bigger set for themselves. I cook proper meals - don't have take aways but am I well off, I don't think so. As long as I have enough money to pay my bills I am happy
JeanS5
18th May 2017
20
Thanks for voting!
For a start, pension is not a benefit. Pensioners have paid well over the years for their pension. The extras, like winter fuel allowance and a free bus pass, were put in place for good reason. If you believe the government, and the media, they want you to think that all pensioners are now so well off, they ought to be stripped of more of this wealth. Young people are blaming the older generation for lack of jobs and being unable to buy a house. Well, that is down to government policies and greedy bankers!
So, why pick on pensioners? Well, it's because the Tories have saturated most other forms of taxation, cut benefits for the poorest in society, and have spotted another source of revenue. I find it utterly disgusting that any party would penalise the most vulnerable sections of society while decreasing taxes for the richest.
Jannysylvac
18th May 2017
2
Thanks for voting!
Well said, I agree with every word.
lyndajw
18th May 2017
2
Thanks for voting!
Well said. I agree.
yogina
19th May 2017
4
Thanks for voting!
I could not agree more pension is not a benefit as you soon find if you have not enough stamps the constant reference to it as a benefit is part of the demonising of pensioners !
Csilla
19th May 2017
3
Thanks for voting!
There are no jobs for the lazy youngsters because the government is making older people, especially women work longer. You can't have it both way either the young have jobs or the old but if you don't train youngsters to work, who's going to do the jobs when we're dead?
DerekF
19th May 2017
2
Thanks for voting!
I agree in principal, but if the economy is as buoyant as they will have us believe, then that in itself would promote greater expansion of companies, more coming into our country and all these creating jobs. Remember the 50's when the slogan was "Never had it so good!" When I left school, I chose my career, approached some companies and got a job .. as easily as that, and have never been out of work till I retired, at which point I started up my own company.
So the point is, if the economy is so good, there are plenty of jobs, and youngsters who want to work go into training positions/apprenticeships, ...old people retire and the economy rolls on. Those who chose not to work receive nothing!
chinagirl39
18th May 2017
14
Thanks for voting!
Mrs. May needs reminding that pensioners are the ONLY people who have paid contributions since they left school. they are only asking for what they have paid into the system, a belief that, if we pay in, we shall be looked after.
Csilla
19th May 2017
3
Thanks for voting!
The vast majority of pensioners and women who have been cheated out of years of their pension started work and paid NI at 16. Most kids these days only start work at 26, if they start work at all.
Jimbo2411
18th May 2017
3
Thanks for voting!
LindaD9
18th May 2017
13
Thanks for voting!
Again support the rich and stitch up the poor and middle classes yes back to the class system!
I just hope people have the sense not to vote Tory!
Lizzy36
18th May 2017
3
Thanks for voting!
I think the point is that most people would prefer and actually receive Care at home. However there is difficulty in funding this, so this is an additional funding route. The bonus is that it doesn't leave you without a home whilst you are still living.
Personally I think the idea that was not pursued was better. I.e every bodies estate pay's circa £10,000. As you have no way of knowing whether you need care.
DerekF
18th May 2017
10
Thanks for voting!
She like all the others continue to rob us of our rights. We who paid our taxes and NH stamp are being constantly penalised, and having to pay for more, whilst, rhose who did NOT pay their taxes and NH stamp for 50!years get everything for nothing. She wants to reduce our pensions by linking them only to the RPI. No interest on our savings.. pensions robbed and the 2008 bank scam blamed. I don't see the MP pensions reduced, in fact they are constantly worth more and more. Sickening... they are thieves, robbers and vagabonds, and they should be jailed for all their expenses theft...
chromehead
19th May 2017
1
Thanks for voting!
Please bear in mind that what you have paid into the system was not invested for the future. What you paid in got paid out straight away to pensioners etc. and it's still the same. It seems to have come as a stunning surprise to Government that the current pensioner population ( Baby Boomers in reasonable good health )were coming. I can see the look on the faces of the civil service mandarins as they shout " Oooh , where did that lot come from?" when we all started getting our pensions. As for your remarks about the honesty of MPs and Bankers? The only way they are going to get sorted is if we oil the wheels of the tumbrils and start rolling them to The City via The Houses of Parliament.
Susansue
18th May 2017
5
Thanks for voting!
With not having to pay for care till after you die are they going to be adding interest on what you owe and for however long they wait for your house to be sold .
BenS
19th May 2017
2
Thanks for voting!
Hi the current deferred parley scheme allows for 12 wells after your death for your property to be sold. If it isn't sold or c the c sent hasn't been cleared by other means then local authorities are permitted to charge interest.
maggie darkes
19th May 2017
2
Thanks for voting!
JohnHerb
18th May 2017
5
Thanks for voting!
As a pensioner I am just confused as I think a lot of fellow pensioners are. one year the government have a £23,000 cap on what you have to have before they or local councils pick up the bill. Now as I understand it its £100,000. Whats the catch I ask and why when the Conservatives are trying to balance the books are they doing this as it seems to me they are giving money away? Or are they trying to bribe us? Who knows? I need to have another read and a think and lie down.
BenS
19th May 2017
3
Thanks for voting!
Hi.

So presently if you receive care at home, and have over £23,250 in income or savings then you are seen as a self funder and pay for your own care. Your property is NOT taken into account. If you have below that limit your local authority will contribute towards your care .

If you currently go into a residential care home, and your partner doesn't line in your home either then the property will be taken into account, and you ill n either have to sell it or sign up to the local authorities deferred payment scheme. Either c way you pay for your care in full until you drop below the financial threshold. However, if the care home you choose charges more than your local authority pays, then when you do drop below the threshold either a relative will need to pay c this extra "third party top up fee" or you will need to move to a cheaper care home

This new deal appears to increase that £23,250 limit to £100,00 but also means that your property will be taken into account when you have care at home. This will mean thousands of people will need to sign up to their local authorities deferred payment scheme.
MartinS6
19th May 2017
3
Thanks for voting!
The catch is that this £100,000 figure now includes the value of your property and there aren't may houses worth less than £100,000.
adrianwhitwell
19th May 2017
1
Thanks for voting!
trying to bribe you, who would have thought. May is just doing the usual Tory thing of not really bothering about working people (and retired) by protecting big business from paying their fare share to support the country, I wonder why? May be because so many of the Tory bigwigs have interest in some large companies.
adrianwhitwell
19th May 2017
3
Thanks for voting!
And the rich will put their properties in trust thus avoiding these charges, a lot of them do this now to avoid inheritance tax and the Tories have been letting them get away with it for years, i wonder why
Wilf
20th May 2017
0
Thanks for voting!
I think even the "trusts" are getting difficult to get away from not paying tax and quite right to. Everyone should pay their fair share

Community Terms & Conditions

Content standards

These content standards apply to any and all material which you contribute to our site (contributions), and to any interactive services associated with it.

You must comply with the spirit of the following standards as well as the letter. The standards apply to each part of any contribution as well as to its whole.

Contributions must:

be accurate (where they state facts); be genuinely held (where they state opinions); and comply with applicable law in the UK and in any country from which they are posted.

Contributions must not:

contain any material which is defamatory of any person; or contain any material which is obscene, offensive, hateful or inflammatory; or promote sexually explicit material; or promote violence; promote discrimination based on race, sex, religion, nationality, disability, sexual orientation or age; or infringe any copyright, database right or trade mark of any other person; or be likely to deceive any person; or be made in breach of any legal duty owed to a third party, such as a contractual duty or a duty of confidence; or promote any illegal activity; or be threatening, abuse or invade another’s privacy, or cause annoyance, inconvenience or needless anxiety; or be likely to harass, upset, embarrass, alarm or annoy any other person; or be used to impersonate any person, or to misrepresent your identity or affiliation with any person; or give the impression that they emanate from us, if this is not the case; or advocate, promote or assist any unlawful act such as (by way of example only) copyright infringement or computer misuse.

Nurturing a safe environment

Our Silversurfers community is designed to foster friendships, based on trust, honesty, integrity and loyalty and is underpinned by these values.

We don't tolerate swearing, and reserve the right to remove any posts which we feel may offend others... let's keep it friendly!