Pension60

Now that the schools are breaking up for the summer, you might spare a thought for the over 143,000 children in food poverty, in families mostly in work, with over a quarter of all foodbanks referrals being where both parents are in work. As the schools are closed, these kids do not have access to school lunches or school breakfast clubs. To help if you might care to volunteer or donate as individuals or as companies with surplus foods, like supermarkets, food shops or coffee shops, is what little I can do to be of help, with my suggestions on my google plus page:

IF YOU HAVE MONEY BE CAREFUL WITH IT THERE IS NO SOFT LANDING WITH THE MYTH OF THE FLAT RATE PENSION One of the speakers, Mr Paul Lewis says the truth of the cuts to pensioner benefits, by informing in the past how the savings component of Pension Credit has been reducing each year since 2010. THE FLAT RATE PENSION ABOLISHES PENSION CREDIT New claimants of savings Pension Credit will never get this pensioner benefit as it is abolished for those retiring on and from 6 April 2016. THERE IS NO FLAT RATE Steve Webb put out the deceit that everyone retiring on and from 6 April next year, 2016, would get a flat rate of £155 per week, which is more than the current full basic state pension of £115.95 per week. But never mentioned how the SERPs opt out CUT the pension to the nothing, even by the years not contracted out since 1978, when it began. Lowest forecast seen so far is £8.39 per week after 45 years in work. SO THE ACTUAL RATE IS DIFFERENT FOR EACH AND EVERY ONE WITH A PENSION PAY OUT DATE ON AND FROM 6 APRIL NEXT YEAR, 2016 The state pension is payable if remain in work or not, or retire and then do some other job afterwards. Well over half will not get the £155 per week figure. A full SERPs pension is £276.10 per week this year, but many millions, especially in the public sector, were contracted out even without their knowledge. SEEK ADVICE AT THE RETIREMENT SHOW Do not cash in your pension pot, do not spend it on trivia like a cruise. Do not defer pay out of your state pension, and drag it under the flat rate cuts and losses. Do not top up your state pension if you have ever been opted out of SERPs, because you cannot possibly make up the difference. Take advice on life assurance for the wife, if the wife has less than 10 year National Insurance record in her own right. This year is the last year than you get any state pension from 1 year NI history onwards, pro rata. The Housewife Pension is gone for new claimants with the flat rate law, and no Widows Pension, as the wife will no longer also be able to inherit your state pension, at that same 60 per cent of full rate. Ladies will no longer be able to claim against their husband's National Insurance contribution history, for a state pension if they have less than 10 years NI history themselves. So need to be even more risk adverse on any other pension. Take advice on how the SERPs opt out has hit your works and / or private pension and how best to do other options. THE PETITION My petition is more about informing people of the massive pension changes that have already happened since 2010, but more about the Pension Bill 2014 that introduced the flat rate state pension law that comes into force on and from 6 April next year, 2016. The information on my petition has come from pension industry experts and published law, including in Hansard. Not permitted to put a link here to my petition. But you might be able to find it if you Google search phrase: 38 Degrees petition. Women's pension 60. Against tax allowance loss 65. Yes, my petition also includes against the granny tax that began in 2013 to those men and women who turned 65 that year from April. Be careful out there!

The one person attending not to believe one word is the recently Lib Dems Steve Webb, Minister of State for Pensions 2010-2015, who was not re-elected. Mr Webb lied and lied again in his 'web of deceit' on the flat rate pension, where everyone will get different amounts, and will never be a single tier pension. Lowest forecast seen so far is £8.39 per week after 45 years in work. Others are in huge numbers far less than the current basic state pension. A full SERPs pension, with no years opted out since 1978, is this year £276.10 per week, made up of the full basic state pension and the SERPs top up. SERPs never existed. It is a myth. Never was extra money contributed to pay for the top up to the basic state pension. You jsut kept paying the full standard rate of National Insurance (aka State Earnings Related Pension Scheme). The State Second Pension (that SERPs was called after 2002) was also paid out of mythical extra money. Many women end up with no state pension for life, when have no other pension provision in life, which continues today as auto enrolement (like the National Insurance Fund) leaves out the poorest workers. But the SERPs opt out will hit workers with long working lives, in wiping out flat rate state pension from next year, as will as hitting the guaranteed minimum pension of works and private pensions. The Flat rate pension was a cut to the state pension and an abolition of pensioner benefit. FIGHT AGAINST THE LIE THAT IS THE FLAT RATE See who loses at end of my petition, in my WHY IS THIS IMPORTANT section.

Welfare benefits are made very difficult indeed to access. The requirements would not help the over 60s. Jobcentres and work programmes give no rights to water or toilets, whilst expecting you to stay for hours or be sanctioned. Sanctions have massively increased, shown by the trebling of Department of Work and Pensions sanction decision-makers. Housing Benefit is being capped. Universal Credit will all but wipe out benefit by permanent sanctions. FIGHT AGAINST THE CUT OR TOTAL LOSS OF STATE PENSION NEXT YEAR AND THE END OF PENSION CREDIT (SAVINGS) There is no flat rate for all new pensioners from next year, on and from 6 April 2016, of £155 per week. That was a lie from day one. Everyone will get different amounts forever from each other. Lowest forecast seen so far is £8.39 per week flat rate after 45 years in work. The other myth is that the state pension and pension credit is safe from the even deeper austerity cuts to come. And of course, the flat rate is a CUT TO STATE PENSION as the current full basic state pension combined with Pension credit is MORE THAN the full flat rate. And then there is the SERPs opt out that merges with your National Insurance history for the first time next year, to wipe out NI record. SERPs opt out also hits works and private pensions. Some have stopped opting out since 2012. But the SERPs opt out is not formally ended in law til next year. SERPs began 6 April 1978, and strange to relate, the opt out began the same day. But it has been a mis-selling we can do nothing about, as done by government. Because with SERPs and 30 years of NI and SERPs together, you could have gained a state pension of £276.10 per week. The flat rate pension raises the required NI and SERPs to 35 years. This will especially hit women.

Do not even think of topping up your state pension, until you find out if you were contracted out of SERPs. The SERPs opt out and your National Insurance record wipe each other, by the merger of calculating your state penson by these two things. You cannot possibly make up the difference if you were opted out for some or all of your employment history. Even the years you were contracted out are effected as the government then takes an average over your entire working life as the calculation. WANT OT FIGHT TO HAVE ANY STATE PENSION AT ALL FROM NEXT YEAR. Lowest forecast seen so far is £8.39 per week after 45 years in work. https://you.38degrees.org.uk/petitions/state-pension-at-60-now

Since this article the Pension Bill 2014 was passed, that brought the flat rate state pension law on and from 6 April 2016. The Carers Allowance is on course to be lost for up to 40 per cent of current claimants, as will paid only to those eligible for the new coming Universal Credit. It was mooted by the Tories that disability benefit and Attendance Allowance would be taxed at source, and Bedroom Tax would rise and might effect pensioners. The state pension was never going to be enough to live on. This is why you can get your state pension payout and remain in work. But the flat rate state pension has given an expectation of all new pensioners on and from 6 April next year, 2016, getting the flat rate of £155 per week. When in fact most will get as low as £8.39 per week after 45 years work (lowest forecast seen so far gained by one man). For the first time the SERPs opt out is being merged with the National Insurance record to wipe each other out. Added to the fact that as they wipe each other in NI history, there is a nil pay out for 10 years or less NI record. Now you get some state pension from 1 year NI record. The housewife pension is also gone from next year for new pensioners. This is just the ongoing woe from the scandal of the married woman's stamp that ended up giving no state pension. Needed by me is help to aid others in sharing my petition widely in your social media of Facebook and Twitter, so people do not rely on the state pension, and cash in their pension pot or defer their state pension if they can get it this year.

The state pension was never going to be enough to live on. This is why you can get your state pension payout and remain in work. But the flat rate state pension has given an expectation of all new pensioners on and from 6 April next year, 2016, getting the flat rate of £155 per week. When in fact most will get as low as £8.39 per week after 45 years work (lowest forecast seen so far gained by one man). For the first time the SERPs opt out is being merged with the National Insurance record to wipe each other out. Added to the fact that as they wipe each other in NI history, there is a nil pay out for 10 years or less NI record. Now you get some state pension from 1 year NI record. The housewife pension is also gone from next year for new pensioners. This is just the ongoing woe from the scandal of the married woman's stamp that ended up giving no state pension. Needed by me is help to aid others in sharing my petition widely in your social media of Facebook and Twitter, so people do not rely on the state pension, and cash in their pension pot or defer their state pension if they can get it this year.

This might put the cat amongst the pigeons. I've had a thought. Have we been the victim of flimflammery about the state pension since 1978?

This might put the cat amongst the pigeons. I've had a thought. Have we been the victim of flimflammery about the state pension since 1978? Make your own decision, after reading my blog below: http://swansengland.blogspot.co.uk/2015/05/did-government-hoodwink-us-all-as-far.html

ALL UK WIDE PARTIES BIG ENOUGH TO RULE UK PARLIAMENT MINORITY / HUNG PARLIAMENT OFFER NIL STATE PENSION FROM 2016 NEITHER DOES UKIP NOR THE GREENS Meaning WORK TIL YOU DIE OR STARVE IF YOU CAN'T forever in old age. See why at end of my petition, in my WHY IS THIS IMPORTANT section, at: https://you.38degrees.org.uk/petitions/state-pension-at-60-now

The welfare state is well whittled down year on year and benefits getting more and more difficult to get for the most trivial of reasons, even with a full NI record history. Once you are 2 years not on benefit or working paying NI, you do not get contribution based but income based benefit and even a tiny works pensions of 4 per cent lowest income (Institute of Fiscal Studies says this is about £500 per month- 2014) is deemed too much money. Council tax benefit got cut down from £16,000 savings to £6,000 savings to get. Can you inherit your husband's private pension? Is your state pension the 60 per cent housewife's state pension from your husband's NI contribution history? You are lucky, as this is lost to new claimants who retire next year. As is inheriting state pension if none of your own as your husband's married widow. Pension Credit (savings) ends on and from 6 April 2016. Ask Age UK what is left for the over 65s in the way of benefit. There are charitable over 60s lunch clubs for free meals. Use libraries to keep warm during the day, before they are all shut down by the cuts. The top up to a part basic state pension called a Category D pension is not paid from 2016 for someone turning 80 next year. You might care to sign my petition to save what is left of the state pension as it may cause the state pension to whittle away to nothing even for current pensioners, as it may well end for new claimants from 2016: See detail of why not even half of new pensions from next year will get from around £55 to NIL STATE PENSION in the Why This Important section at: https://you.38degrees.org.uk/petitions/state-pension-at-60-now

Current state pensioners will stay on the £113.10 plus the additional pension of SERPs / S2P and Pension Credit (savings). More than half of all pensioners who retire on and after 6 April 2016 will not get the £148-£155 flat rate state pension. In fact, people are getting flat rate state pension forecasts who are retiring next year on and from 6 April 2016 of as little as £55 per week, with no additional pension, even with 35 years of National Insurance record needed. See detail in the Why This Important section below petition: https://you.38degrees.org.uk/petitions/state-pension-at-60-now

Because of the raised retirement age, people 60-68 are liable for all the benefit sanctions that have reached 1 million per year, leaving people with no funds for months at a time. A man on Universal Credit benefit, informed his retirement age is 68, has found under the UC benefit rules that as his wife is 5 years younger than him, he will not be granted his state pension payout til he is 73. This means any such person is still liable to the Bedroom Tax, benefit sanctions and the losses of benefit for disability / chronic sickness.

SERPS (that became State Second Pension 2002) is abolished by the flat rate pension, so you will not get the full state pension that is added by the additional pension.

No.

The flat rate pension actually leaves a substantial number of women born from 1953 and men born from 1951 with NIL STATE PENSION FOR LIFE and for the bulk of the rest LESS NOT MORE state pension. https://you.38degrees.org.uk/petitions/state-pension-at-60-now The money is sitting pretty and wrongly being called a surplus by all parties in the ring fenced and full National Insurance Fund since 2013, when the payout at 60 to a woman and 65 to a man was not paid out, so beginning the loss of 7 years payout to a couple. There are all kinds of reasons why this is happening under the Pension Bill 2014 that brought in the law of the flat rate pension 2016. See my petition as to why for each group who lose vital food and fuel money. The flat rate pension also does not pay out at all the tiny top up to even tinier part basic state pension to someone who turns 80 in 2016. https://you.38degrees.org.uk/petitions/state-pension-at-60-now For many people, the state pension is the sole income in old age as they never had enough money to pay for a private pension and works pensions can have been lost or be the average for the low paid of merely 4 per cent lowest income. Half of over 50s / over 60s are within the working poor, and the state pension is payable if remain in work or lose your job with all the massive austerity job cuts that will now double since the Autumn Budget. As it would absolutely nothing to repeal the Pension Bills 2010-2014 and revoke the flat rate pension 2016 (by revoking the Pension Bill 2014), paying the state pension at 60 to the wife, would also cut the benefits bill. Because as state pension law stands now, the over 60s may remain on benefit for the rest of their lives, with no other income, and benefit may cease altogether, with the Autumn Budget telling us that state spending will return to the levels of the 1930s, before the 1945 welfare state. 97 per cent of benefits bill is to the working poor and poor pensioners, with the bulk going to those in work on wages far far below a living wage and the poor pensioners, only on state pension, far far below the breadline (2.6 million - source Age UK). You gain the state pension and save people your own age from a penniless old age, with no money at all for food and fuel. So give the Xmas gift that keeps on giving to us all. https://you.38degrees.org.uk/petitions/state-pension-at-60-now