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5 Year Pension Gap Year nw
24 October 2017 06:47 Post ID: #1558480
MOnster
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I am writing about pensions at the moment and I remembered a thought I had years ago. Should people get the right to have up to 5 years off paid by the government (everyone else) in return for a flexible state pension draw down date?

If the Government starts giving every single person £10,000 a year benefits whether you work or not, then it doesn't really matter. But until then, should you have the choice to retire at 73 / 74 instead of 68 / 69? then you get to choose years you want off.

For instance, there's probably a whole lot you'd like to do as a thirty year old as opposed to being 70. While people are living longer, this new contract with the government doesn't exactly ensure you are able bodied at the latter age. Living longer doesn't exactly equate to being more able later on, does it? Just frail for longer.

If government has the right to extend education until 20 - poor fuckers, and then extend statutory pensionable age to 68, why can't the people ask for five years of their pension years when they're younger? After all, you only have to put in for ten years NICs to get the basic pension. A sweeping change from the 30 and 40 odd years of contributions by previous generations. (I don't actually understand why that is but...)

I managed to take seven months off this year, the advantage of paying £140 rent in the east I suppose. Perhaps a bad idea as working hard to get money in again but I believe there shouldn't be a problem to have a 5 years paid pension gap year when you're younger.

Edited by numbernine 24/10/2017 06:50
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24 October 2017 07:51 Post ID: #1558484 - in reply to #1558480
Supreme MO
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Lee, you may be better off planning a Hatton Garden type job when you reach retirement age, you will hold the Freedom Pass to get there and back and carry your cutting equipment on the bus.
The only problem at that age is every plan has to involve piss-stops and chances are a few of the gang will have incontinence in all probability.
Good luck with your plan but for all the statistics showing longer living, I witness on a daily basis at my mothers hospital the problems of poor health among the relatively young.
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24 October 2017 11:27 Post ID: #1558499 - in reply to #1558480
Supreme MO
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I would like the state pension to be bought into line with private pensions, whereby you can claim it upon reaching the age of 55, but with the state pension you can claim it once you have paid in for 40 years, so in my case i started working full time at 17 so should be entitled to my state pension at 57.
Also if someone were to die before they took their pension their next-of-kin should be entitled to at least one year of their pension, as all to often people are given a paupers funeral due to them not having a pot to piss in, when if more was made available they would get a good send off without skinting their family and friends.
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24 October 2017 11:44 Post ID: #1558501 - in reply to #1558480
MOnster
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Currently it's 3 months.
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