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Justice for marginalised pensioners

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Is it just me, or does anyone else agree that a minority of responsible pensioners are being marginalised, exploited, excluded, and ignored by the UK government?

There are 12,640,000 (rising daily) pensioners in the UK and by far the majority are well catered for by the state with the provision of social security benefits, pension credits and the like; over and above the basic pension.

For those in genuine need this additional welfare disbursement is right and proper.  Among this number though there is a minority of responsible pensioners who are consistently marginalised, exploited, excluded, and ignored by UK Government.

Read on and determine for yourself whether you fall within the category of responsible marginalised pensioners.

Did you pay taxes all of your working life?
Did you fulfil your obligation on National Insurance Contributions (NIC)?
Did you make provision in order not to become a burden on the state: SERPS, modest works or private pension, annuity, whatever?
Are you still paying tax in retirement?

Perhaps like me you are now beginning to wonder whether or not it was all a waste of time?  You look around and see other pensioners who contributed little or nothing to the system drawing largesse from the public purse while you are excluded, struggle to make ends meet with the ever-spiralling cost of living, and find yourself delving into meagre savings just to stay afloat.

Justice for marginalised pensioners You pay in, they draw out; you get next to nothing!

Do you pay full council tax?
If you pay rent, do you pay the full amount?
Do you pay for eye care?
Do you pay for dental care?

Are you excluded from these state benefits?

Pension credit
Council tax relief
Rent allowance
Cold weather payments

Then you come across a government announcement that provides a glimmer of hope:

UK PENSIONERS MISS OUT ON OVER 2 BILLION OF CASH - A quarter of all pensioners (or over 3.16million) are not claiming their pension credits.  Over 2 billion worth of pension credits will go unclaimed this year...

Oh yes?  Try claiming pension credit if you fall within my definition of marginalised pensioner.  All you will get is a curt answer advising that you are above the threshold and therefore excluded.  Do not misunderstand me...  Where legitimate need is identified, I am all for state intervention to ease the way, but the system is unfair, discriminatory, and the disbursement of welfare assistance uneven.

In excessively cold weather for example, do marginalised pensioners not freeze as much as those on benefits who qualify for cold weather payments?  You are being marginalised, exploited, excluded; ignored by UK Government - and all because throughout your working life you were responsible and contributed in full to the system!

And not only will this injustice continue; it will get progressively worse for future generations of responsible marginalised pensioners unless we stand up now and be counted by exercising a concerted voice of protest.

  1. Would you agree that UK Government operates an uneven policy in its welfare disbursements to pensioners?
  2. Would you agree that responsible pensioners who veritably paid their dues during the working life should be exempt from council tax in their seventies, eighties, and beyond?
  3. Would you be interested in joining a Marginalised Pensioners Protest Campaign?
  4. Would you be proactive in promoting it?

If you agree with my gripe please sign the following petition:

Justice for Marginalised Pensioners


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Brinkmanship

Brinkmanship

After 45 years of wroking in London I can no longer afford to live there. I am being driven by the yuppies of the City of London who throw their ill gotten gains everywhere, raising all the prices for everyone else. I can no longer eat out or afford a proper square meal full of sustenance, vitamins and protein, when the average meal out of very poor quality is £20.

Councils, Water company, Utility companies, Landlord service charges, Banks, Pension funds have all pushed me to the brink of insolvency.
Brinkmanship
27th Apr 14 14:13

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0
Fed up pedestrian

Fed up pedestrian

I have been reading that many people are paying so much in charges on their private pension funds that they can lose as much as 40% of the final pot. The whole system is so complex that few people understand exactly what they are signing up for.

So little time, so many ways to rip us off!
Fed up pedestrian
17th Jan 13 20:00

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-4
Penurer

Penurer

All prospective pensioners in this country have been robbed by the Government and financial system everywhichway

Will annuity rates rise? Unlikely!
The main reason why annuity rates have fallen so much is the big fall in Government Bond yields caused by the Government's policy of quantitative easing, or printing money as some prefer to describe it. The Bank of England has injected money into the UK economy by buying gilts and this has pushed up prices and consequently yields have fallen.

The government has taxed your pension funds billions over the last 10 years.

Welcome to "penury", the new name for a pension.
Penurer
5th Feb 11 12:27

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pop

pop

It is appaling that having worked for a pension some people fail to qualify for pension credit as there works pension keeps them marginaly outside qualifying for pension credit. Should your meagre works pensions be clased as savings and kept outside of qualifying for pension credit .
I know some people that failed to get pension credit as thier works pension at 60 was a few pounds over the qualifying rate bit mean !!!!!!
pop
20th Oct 10 22:29

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-14
Darrener

Darrener

I'm more upset about having my SERPS pension frozen. Can't we havve a petition about that? Write to your MP and prospective MP and ask the Chaqncellor to look again at this discriminatory action.
Darrener
15th Dec 09 14:39

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-6
ere we go round the mulberry

ere we go round the mulberry

Pensioners should stop having babies. Most cannot afford them, nor can we expect the State to look after them when they are gone. Every pensioner should be given an approved state begging bowl, of a nationally approved standard size. Those on Maundy Money benefit should be taxed on capital gains.
ere we go round the mulberry
14th Sep 09 14:15

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-11
old girl

old girl

how mush saving are you allowed on state pensions
for myself and my husband
old girl
14th Sep 09 11:39

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-8
chris

chris

Mike. I read what you say but I would assume that as a pensioner you will still have to pay full tax (currently 22%) on your state pension even in 2010, which means as always it sounds good when they say you will get full pension, but forget to add the bit about paying tax on it, so you will get some and so will the government, therefore not a full 100%.

I hope in 50 to 60 years when the cretins who call themselves terminators(they are pobably more like the 7 stone weakling that used to get sand kicked in his face in the charles atlas adverts) get whats coming to them, ie no pension at all, because that I fear is what is going to be the case, and if they havent provided for the future, which I suspect they wont,(probably jobless at the moment and sponging off us, which of course they expect as a right) lets see how brave they are then when sitting in some unheated house, moaning about not having any, money and the younger generation getting it all and not them
chris
1st May 09 16:48

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-5
MikeP

MikeP

You are correct, this is unfair, but cut off dates always disadvantage someone.

This is not correct :
"From April 2010, any male reaching the age of 65 will get 100% pension whether or not full NI contributions have been made."

The correct version is :
"From April 2010 any male reaching the age of 65 only needs to have made 30 years of contributions (previously it was more) to qualify for full pension."
MikeP
10th Apr 09 11:01

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3
Anonymous

Anonymous

Unfair government policies!

Here's another one for the list. Due to redundancy I have not paid enough NI contributions to get the full state pension and neither has a friend of mine. From April 2010, any male reaching the age of 65 will get 100% pension whether or not full NI contributions have been made. I attain the age of 65 in March 2010 and will not get 100% pension, my friend is 65 in April 2010 and will get 100% pension. Where is the logic in that. Instead of cut-off dates, why not apply a rule from the date of announcement and only announce when applicable? Joined up thinking? Ministers are not capable of such a thing.
Anonymous
10th Apr 09 10:39

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-14
sexless

sexless

I can not get enough sex and my husband does not have enough stamina. What am I going to do?
sexless
22nd Mar 09 17:07

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-8
Exterminator XXIII

Exterminator XXIII

Well done the Irish. Their government has clawed back the pensions of their pubic services retirees. Belonging to the Euro-system they can't print money anymore. So watch out for our Government. They are already got printing presses rolling.
Exterminator XXIII
22nd Feb 09 19:35

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-16
Stromboli,(always active).

Stromboli,(always active).

Hello all you 'Exterminators'.Just pause for a moment,remember why you were given two ears,two eyes and one mouth.I was what you are,you will be what I am,if you're lucky.
Young men think they know it all,old men know they don't..Good luck with your Life..
Stromboli,(always active).
9th Feb 09 18:46

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-12
Exterminator XVII

Exterminator XVII

What's manners got to do with it? You are old Father WiIliam and your hair has become incredibly grey, as have your views. You are not with it. Euthanasia is all the rage. Most politicians agree that there are going to be far too many oldies for the nation to support in the not so distant future. They will be supporting laws to cull the excess. If we don't take action soon enough, the four horsemen of the apocalypse will - Pestilence, Famine, War and Death - a veritable Malthusian end to a decaying rotten nation.
Exterminator XVII
31st Jan 09 21:19

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-7
Old Guy with a Beard

Old Guy with a Beard

You've just proved my point Ex. X111.

Try this one on for size...

http://teach-me-some-manners.org/wimps
Old Guy with a Beard
31st Jan 09 12:33

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-10

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