Category Archives: pensions

National newspaper incites hatred against disabled people, low-paid workers and pensioners

Targeted: this poster appeared in 2019 so the number of sick and disabled people who have died is likely to be far higher – especially after the Covid-19 pandemic. Papers like the Telegraph seem to be trying to make that number skyrocket.

What’s going on at the Daily Telegraph? First we find that the paper has been spreading falsehoods that the boss of a supermarket chain that keeps its groceries as cheap as possible and pays its workers more than most has blamed the minimum wage for inflation (he hasn’t); now this:

Prem Sikka has archived the article so you can read it for yourself:

And the website to which Samuel Miller links, here, pulls no punches – claiming the tool to calculate “how much of your salary bankrolls the welfare state” is “straight out of the Nazi handbook”:

The Telegraph article states: “Of the 5.2 million people claiming out-of-work benefits, roughly 3.7 million have been granted indefinite exemptions from finding a job, following a surge in claims of mental health issues and joint pain during the pandemic, it emerged last week.”

The Mary Sue piece responds [boldings mine]: “As a propaganda piece, it’s not subtle. “Roughly 3.7 million have been granted indefinite exemptions from finding a job” is a funny way of saying that 3.7 million disabled people, who cannot work due to their disabilities, have been awarded up to £515.40 a month (maybe going all the way up to £782.35 if they’re severely disabled) in order to keep them from starving to death on the streets.

“Putting this number down to “a surge in claims of mental health issues and joint pain during the pandemic” is derisive and clearly intended to diminish the reader’s perception of what are, in fact, disabling conditions to live with that, yes, actually were caused by the pandemic—either a result of infection with the virus itself or the psychological impacts of lockdown, mass death, and the other sociological effects of a global pandemic.”

The Torygraph continues: “On top of this, the controversial decision to maintain the state pension triple lock is estimated to cost taxpayers £1,000 each over the next four years, according to calculations by the TaxPayers’ Alliance, a think tank.

“It raises the question, just how much of our hard-won salaries are spent on the benefits of those who do not work? With the calculator below, Telegraph Money can now reveal how much of your salary goes towards bankrolling the welfare state.”

In fact, none of our salaries are spent on benefits. The system doesn’t work that way. The government of the day sets its spending levels and then taxes us enough to keep that spending from pushing inflation too high (not accounting for interference from external influences like foreign wars and Brexit).

But let’s not allow trifles like the facts to get in the way of the Torygraph‘s argument.

Back to Mary Sue: “Note the emphasis on “do not work” and how it conflates the people who cannot work due to age or disability with the fantasy figure of the refusenik, who lounges around at home, wilfully choosing not to work, all on the government’s tab. It should be clear by now that the purpose of this article is to raise outrage against both the welfare system itself and the most vulnerable people who are dependent on it, but still, there’s more.”

The Torygraph states: “Despite Rishi Sunak’s insistence that he is a “low tax conservative” who wants to “bring people’s taxes down”, his chancellor, Jeremy Hunt, has implemented a combination of frozen thresholds, removed investment incentives, and increased corporation tax – all while keeping welfare spending close to £300bn a year.

“Economists now predict it will be decades before the tax burden returns to pre-pandemic levels.

“At the same time, welfare spending was the single biggest component of public sector expenditure in the financial year 2021-22, at £298.7bn out of a total of £952.3bn. For the typical taxpayer, this amounts to close to a third of their annual tax bill of £6,500 paid directly towards benefits.

“Using the latest public spending data, our analysis shows someone with the average UK salary of £33,000 sees £2,000 a year spent on welfare.”

Mary Sue responds: “The authors of the piece, Alex Clark and Tom Haynes, go on to object to the marginal and long overdue increase of corporation tax (even though the U.K. still has the joint highest uncapped headline rate of tax relief among G7 countries), the freeze on higher rate tax thresholds (meaning the wealthiest aren’t getting a tax cut), and the fact that this didn’t coincide with a lowering of government welfare spending, as if the former requires the latter as a form of penance.

“They seem outraged that most public sector spending goes toward the welfare state, with around a third of the average individual’s tax bill going toward it—this despite acknowledging that the percentage of public spending that goes toward welfare benefits has actually gone down while overall spending has gone up.”

The Torygraph: “Many high earners are now paying relatively more towards the welfare state because of the lowering of the 45p tax threshold in 2023-24, which now stands at £125,000, down from £150,000 before. Telegraph analysis shows 6pc of the average salary goes towards paying for benefits, compared to 13pc of a high earner’s salary.

“Someone earning £150,000, five times the average salary, contributes close to £19,000 towards the welfare state – more than nine times the contribution of someone on the average salary.”

Mary Sue: “But of course, the greatest outrage in this piece is reserved for the very wealthiest, who, due to earning significantly more than people in lower tax brackets, accordingly pay more tax and therefore contribute more to the welfare system. Leaning heavily on the fact that the highest tax bracket’s threshold was lowered from £150,000 pa to £125,140 this year, requiring the people in that gap to pay a whole 5% more on anything they earn above that limit, Clark and Haynes bemoan that a larger percentage of their tax bill goes towards maintaining the welfare system than lower earners. Someone earning five times the average U.K. salary pays up to nine times the amount towards the welfare system, we are told, as if this isn’t the entire point of staggered tax rates and how the system is supposed to work.”

Mary Sue then makes a hugely important point [boldings mine, again]: “It’s incredibly difficult to successfully apply for disability benefits of any kind in the U.K. According to a recent government study, the release of which is suspiciously close this particular Telegraph article’s publication, “the health assessment system for deciding if someone can claim disability benefits is grueling and often incorrect.” 90% of PIP (the most common benefit) claimants are denied on their first attempt with 89% of them denied again on their second round.

“The difficulty and sheer mental and physical stress involved in first applying and then attempting an appeal has led to a significant number of disabled people giving up, not because they don’t need the help after all but because the process is simply impossible for them to navigate with their disabilities. Reasons for denial are frequently absurd, and many disabled people have been reporting for years now that their assessor wrote down and submitted completely different information than they providedmisinformation that led to their claim being denied.

“While 3.7 million people considered too disabled to work may seem like a lot, when the total number of disabled people across the country is taken into consideration, 12.1 million, it suddenly seems a lot more reasonable. There aren’t too many people in receipt of benefits, or capable of working but given a pass not to—it’s the exact opposite, and the amount of money disabled people are awarded by the government is, in most cases, barely enough to live on.”

Mary Sue then goes on to consider the comparison it has made with Nazism: “This kind of rhetoric is dangerous, and comparing this calculator, and the article that accompanied it, to Nazism is neither figurative nor hyperbole. One of the very first things that the Nazis did, as a deliberate first step on their path to the Holocaust, was stir up hatred and resentment of disabled people based on the idea that their continued existence is a financial burden to the state.

“Labelling them as “useless eaters,” people who required care and support while being unable to contribute to the state, the Nazis distributed a flurry of propaganda focused on presenting disabled people as a financial burden to everyone else—a burden that prevented “good Germans,” who worked and paid taxes, from being able to access the resources they needed. This propaganda was so ubiquitous that it even made its way into children’s maths books.

How many steps is a calculator—designed to let you know exactly how much enabling disabled people’s continued survival costs you personally—removed from this? How far off is an article dedicated to decrying the expense of disabled lives as an undue burden, especially on the upper classes?”

Charitably, the author of the Mary Sue article doesn’t believe those who wrote the Torygraph piece were deliberately trying to stir up hatred: “it seems very likely that the authors have bought into the British right wing cultural obsessions of benefit frauds and disability fakers, a group of people that are vanishingly rare but which conservatives see as boogeymen around every corner. I’m sure they believe all those people now experiencing joint pain and mental health problems, as a result of a mass disabling event which caused those specific medical problems on a large scale, are just lying to get out of having to work.

“It’s a very convenient thing to believe if you want to pay lower taxes and are resentful of having to share even a fraction of your wealth with people less fortunate than yourself. It ties in very nicely with all the other conservative ideals that The Telegraph and its readers stand for, and that’s why it’s so dangerous: That’s exactly how and why it worked so well the last time.

Painting a group of people as too expensive to keep alive is literally the first step to genocide, and given the political environment, in which hate speech against a number of groups as well as legislation targeting them has become normalized, in both the press and parliament, its very concerning that The Telegraph felt comfortable publishing an article that so openly expresses these sentiments.

“I wonder how many people’s disability benefits the coronation could have paid for instead. Funny how papers like The Telegraph didn’t have an issue with taxpayers funding that.”

In fact, some of us would suggest that the genocide has been happening, quietly, for more than a decade – since before the Conservatives came back into office in 2010, in fact.

Back in 2015, after This Writer (that’s me) forced the government to honour a Freedom of Information request I had submitted, we all learned that 2,400 people had died between dates in 2011 and 2014 – within two weeks of being denied the sickness benefit ESA on grounds of being “fit for work”.

Nobody knows how many have died over a longer period after being found “fit for work” because the Department for Work and Pensions has never bothered to check. But the newspapers have been full of stories telling how people have died of starvation, of ill-health due to their disabilities, or simply committed suicide in despair because of the cruelty of the system.

Changes to the way ESA is assessed – removing the admittedly-hated “Work Capability Assessment” in favour of the even-worse Personal Independence Payment assessment – are expected to deprive a million people of the benefits they need to survive.

And benefit sanctions – which have been proved to be useless in getting people with long-term illnesses and disabilities back to work – are to be stepped up, pushing more vulnerable people towards taking their own lives.

As This Writer has stated many times over more than a decade in which I’ve been writing about it, this is genocide by proxy. The government creates conditions that force sick and disabled people to die, and then claims to be totally innocent of causing the deaths.

And it is at a time when these changes are being introduced that bosses of a national, right-wing, newspaper decide to publish an article demonising the sick and disabled (together with other benefit claimants and pensioners).

Going back to Mary Sue‘s “Nazi” motif, everybody know by now (don’t they?) that before World War II the Daily Mail actually supported Hitler’s regime in its articles.

Now it seems to be the Telegraph that has taken up the baton of the fascists.


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WASPI women win victory over Ombudsman in pension-age change row

The campaigning group Women Against State Pension Inequality (WASPI) has won an out-of-court victory in its battle to get compensation for women born in the 1950s whose pension age has been raised by government decision.

WASPI is not arguing that the pension age should not have been raised, stating that this was done by democratic government decision – but that the way the Department for Work and Pensions provided information about it meant that women were unable to make appropriate choices that they would have made if they had known earlier that their State Pension age would increase, and that this has had emotional and financial impacts on their lives.

The group is arguing for fair, fast and straightforward compensation for the emotional and financial losses – both direct losses and lost opportunities – that women have suffered.

The Parliamentary and Health Service Ombudsman has been charged with producing three reports. The first was to establish whether there was maladministration by the DWP in failing to inform affected women that they would not receive their pension when they expected to do so, and that they should make appropriate financial plans.

That report has been published and has stated that there was maladministration.

The second report was to establish whether six sample complainants had suffered any direct financial loss because of DWP maladministration, or any loss of opportunities to make different financial choices.

That report was published and stated that none of them had suffered any such losses.

WASPI argued that the Ombudsman’s reasoning was legally flawed and this would impact on decisions affecting all 1950s born women who were victims of the DWP’s maladministration and said it would bring a judicial review if he would not withdraw the Stage 2 report and think again.

A decision last week means the Ombudsman will indeed withdraw that report.

It is now considered to be legally flawed, and a court will be asked to make a quashing order (because the Ombudsman has no power to withdraw a report that has been sent to complainants and MPs).

The Ombudsman will then reconsider the question of injustice in a re-written second report that must be changed to accommodate the agreement that the original report was flawed.

When a new second report is accepted, the process will move on to a third report which will consider what remedies are necessary for the injustices done to 3.6 million women.

It must also consider whether such remedies should be given to the estates of women who have died in the time since the change to their state pension age was announced.

You can find more complete details here.

This Writer’s view is that this is not a total victory; the Ombudsman may merely seek – and find – another excuse to deny women born in the 1950s any compensation for the injustice they have suffered and campaigners need to be aware of that.

And WASPI accepts that it doesn’t speak for all women who have been disadvantaged by the pension age change. Some are campaigning for full compensation – payment of the amount of pension they would have received if the age change had not happened. WASPI does not think the government will accept such demands.

It is a step forward – but the battle for compensation is a long way from being over.


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Never mind the Budget: you’ll be paying a lot more in April with less cash

Brace yourself for another attack on your wallet.

Even if you receive benefits that are going to be uprated in line with the lowest possible level of inflation the government thinks it can get away with, it probably won’t cover the increases in your costs.

Rises to the different level of the minimum wage certainly won’t. It’s not a living wage, despite being called that by Tories.

Let’s have a look at what’s coming:

Council tax to rise

The majority of households in England will be hit by a whopping 5% in April in fresh cost of living misery for families. Three struggling councils have been given special permission by the Government to impose higher rises – up to 10% for Thurrock and Slough, and an eye-watering 15% for Croydon.

Band D properties will pay around an extra £100 if they don’t receive any discounts.

Water bills to increase

From April, average water bills will again increase by less than inflation, meaning prices will continue their decade-long fall in real terms. Bills will rise by an average of £31 to £448 a year (equivalent to around 60p more each week)

Support for low-income households is also being increased to its highest level ever. More than 1 million households already receive help with water bills, which is being increased to 1.2 million over coming months.

Wages will increase

The National Living Wage and National Minimum wage will rise for all kinds of workers across the country. Depending on your age and work status, you will receive one of the following increases:

  • National Living Wage – Increased to £10.42 (annual increase of 9.7 per cent)

  • 21-22-year-old rate – Increased to £10.18 (annual increase of 10.9 per cent)

  • 18-20-year-old rate – Increased to £7.49 (annual increase of 9.7 per cent)

  • 16-17-year-old rate – Increased to £5.28 (annual increase of 9.7 per cent)

  • Apprentice Rate – Increased to £5.28 (annual increase of 9.7 per cent)

  • Accommodation Offset – Increased to £9.10 (annual increase of 4.6 per cent)

Broadband and mobile bills will increase

From April, broadband and mobile phone customers can expect to face monthly bill increases of at least 14% from April.

Providers link their annual price rises to January’s consumer price index (CPI) or the retail price index (RPI) which was 10.5% and 13.4%. BT, EE, Plusnet and Vodafone broadband contracts allow prices to go up by CPI plus 3.9%. At TalkTalk, it is CPI plus 3.7%, while Shell Energy can add CPI plus 3%. Sky and Virgin Media contracts allow mid-contract price increases but they do not stipulate a pricing formula in the same way as rivals.

Universal Credit, PIP and pension to increase

Inflation-linked benefits and tax credits will rise by 10.1% from April 2023, in line with the Consumer Prices Index (CPI) rate of inflation in September 2022. Jeremy Hunt said the ‘expensive commitment’ worth £11 billion means 10 million working-age families will see a much-needed increase next year and, on average, a family on universal credit will benefit next year by around £600.

The benefit cap will rise from £23,000 to £25,323 for families in Greater London and from £20,000 to £22,020 for families nationally. Lower caps for single households without children will rise from £15,410 to £16,967 in Greater London and from £13,400 to £14,753 nationally.

Benefits which will rise by 10.1% include Universal Credit, Housing Benefit, Pension Credit, Disability Allowance and Personal Independence Payment.

Source: Cost of Living: 5 big changes coming into effect in April that everyone should know about


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France riots against pension-age rise. Here’s why the UK isn’t the same

The reason people in the UK don’t riot about the rising pension age: politicians stab them in the back by pretending they could be rich one day, and keeping the pension age down will mean they’d lose the money in taxes given to pay for someone else’s retirement.

Would you like to know why France is on fire over the increase in the pension age there?

It’s really very simple.

Pensions are paid from taxes, and French taxes are progressive – that is, those with more money pay more in tax.

The younger the age at which people retire, the more taxes are needed to support them, and the greater the burden on those with the most money.

So the point of raising the age at which pensions may be claimed is to help the rich keep more of their money.

In France, where working people staged a revolution against rich people who wouldn’t share their wealth, that idea is anathema.

And that is the reason they are rioting in that country.

In France, the emergency services seem not to be quite such puppets of the politicians as in England – so we see such spectacles as large numbers of police stepping down in order to join the protests:

Firefighters, too:

But what about the UK?

We should – but you know why we aren’t?

Because the Tories fool so many of us by claiming that we can be rich too, if we all work hard. It’s a lie.

Nobody who worked for an employer ever got rich – that is, nobody who actually did the work, rather than being an executive, director or suchlike.

Wages for the masses are strictly controlled in order to force you to keep working. In the UK, employers won’t accept that people might actually stay in their jobs and put more value into them if their pay packets were a little larger.

But the pretence paralyses the gullible.

And that’s why nobody in the UK has been rioting about pensions.


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Watch Martin Lewis’s appraisal of Jeremy Hunt’s Budget

He was name-checked by Jeremy Hunt in his Budget statement on Wednesday, and Martin Lewis went on to provide an instant response to it after the Chancellor sat down.

Here it is:

For me – and for Mr Lewis, it seems – the interesting aspect was one that Hunt didn’t mention in his speech. MoneySavingExpert.com discusses it as follows:

The maximum annual tax-free amount you can save into a pension once you’ve taken money out of it will rise from £4,000 to £10,000 from 6 April. Meanwhile, the amount you can save into your pension tax-free each year is also set to rise, as is the amount you can save into pensions over a lifetime.

You can find out more about that in the MoneySavingExpert article.


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You might be able to boost your state pension by tens of thousands of pounds. Here’s how

Every little helps: but a bit of quick work checking your pension entitlement and the amount you need to pay to ensure you get extra cash could earn you a fortune in pounds, rather than pennies, in the long run.

This could help millions of people.

It’s possible that you could boost the amount of money you receive when you start getting the state pension – possible by tens of thousands of pounds.

It takes a bit of doing but it looks well worth it.

And the deadline for doing it has been extended from April 5 to August 31.

I’ll hand you over to Money Saving Expert Martin Lewis:

I’m going to check this. Are you?


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Women in government pension trap are facing extreme financial hardship

WASPI protesters: it seems the government isn’t even bothering to engage with these ladies.

It must have been bad enough when the UK wasn’t in a Tory-created financial crisis, but now the strain on women who were born in the 1950s must be phenomenal.

These are women who weren’t properly informed that instead of retiring at the age of 60, as they expected, the government was raising the age at which they would receive a state pension to 66.

More than 200,000 women have died without receiving satisfaction from the government.

80 per cent of those affected have suffered financial hardship and 30 per cent are in debt. This could have been avoided if they had been properly informed of what was happening and its implications, according to campaigners.

One shocking aspect of this report is that the government hasn’t bothered to engage with campaigners since 2016.

Since then, the effects of Brexit, Covid-19 and the current inflation crisis have harmed millions of people across the UK – including these already-disadvantaged ladies.

But the Tory response is: can’t be bothered.

Have YOU donated to my crowdfunding appeal, raising funds to fight false libel claims by TV celebrities who should know better? These court cases cost a lot of money so every penny will help ensure that wealth doesn’t beat justice.

https://www.crowdjustice.com/case/mike-sivier-libel-fight/


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Will Sunak bow to pressure over cost of living – or will he stick to doing the wrong thing?

Rishi Sunak: he knows he’s doing wrong but he’s doing it anyway.

With Parliament about to reconvene with a new legislative programme, Chancellor Rishi Sunak is being urged to (at last) address the cost-of-living crisis.

The British Chambers of Commerce have called for a three-point plan that would slash VAT on energy bills from 20 per cent to five per cent, offer free Covid tests for companies and the reversing of a recent National Insurance hike.

You can read the rationale for it here.

Sunak is making vague noises about tax cuts – which would be just as well, considering his government has inflicted more tax hikes on the UK’s population than any other in decades.

But he hasn’t actually done anything yet.

Instead, it seems, he’s taking billions from pensioners by freezing something called the Lifetime Allowance for five years.

Confused? So was I. Here‘s the lowdown:

The Lifetime Allowance is currently £1,073,100, which may seem substantial to many.

However, many could find themselves propelled over this sum due to the Chancellor’s decision to freeze the Lifetime Allowance for five years.

It is thought a saver who withdraws cash in a lump sum will lose an extra £180,125 to the taxman by 2025.

The figure represents the tax payable on the difference between the frozen lifetime allowance and the £1.4million had the sum been unfrozen.

Apparently this means he’ll take £6 billion off of people, when he’s being asked to let us keep more.

How is that supposed to help?

Source: Rishi Sunak urged to announce emergency budget as living costs spiral

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Guaranteed Minimum Pensions holders set to lose thousands due to DWP disdain

The Tory government has shafted pensioners – again.

Around 11 million people were contracted out of the State Earnings-Related Pensions Scheme by their employer, on condition that they would receive an index-linked guaranteed minimum pension.

This arrangement, for anyone in the private sector, was scrapped when the new state pension was introduced in 2016 – but remains in place for public sector workers.

The decision to scrap it was never mentioned in Parliament or in any Pensions legislation.

Women are the most seriously affected. Everybody involved is losing cash ranging from a few pounds a week to tens of thousands over the lifetime of their pension.

That’s the historical situation.

Now, after two people won £1,250 each in compensation after complaining to the Ombudsman, the government has decided not to ensure that everybody affected – who might also deserve payment – is told.

The Ombudsman recommended action “to ensure that affected individuals receive appropriate communication from the DWP [Department for Work and Pensions] about their state pensions”.

But in response, all the DWP has done is publish a factsheet on the GOV.UK website. It has not informed anybody who is affected by the changes that the factsheet exists, or even put out a press release.

You can read the factsheet here – and by publishing the link, This Site has done more to inform those affected than the UK government.

Taking this into account, it should be no surprise that only 6,922 people have read the factsheet and only four people (according to DWP Permanent Secretary Peter Schofield) have made inquiries about it.

None received any compensation because Schofield said they were not eligible.

So, of a possible 11 million people affected by the GMP change, the DWP’s tailor-made strategy (in response to an Ombudsman’s recommendation, remember) has reached nobody.

As intended?

Read a deeper analysis of the implications here: Rip off: DWP to take no further action to compensate millions who lost thousands of pounds of extra pensions | Westminster Confidential

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Lords defeat Tory plan to remove pensions triple lock

Pensions: it seems this time the Tories have been prevented from stabbing our senior citizens in the back.

This is excellent news – and a welcome surprise after Labour Baron Prem Sikka signalled that the Lords had failed to support his amendment to save the triple lock.

It seems they then supported a cross-party amendment to keep the pensions triple lock in place.

Peers by 280 votes to 178 backed a cross-party motion to keep retirement payouts linked to earnings – a large majority of 102.

Under the amendment the so-called “triple lock” would stay in place but adjustments would be allowed to be made for the effects of the Covid-19 pandemic.

The defeat means the government will either have to accept the amendment, or send its original plan back to the Lords again and risk prolonging the political row.

The Tories are now whining that they have only suspended the triple lock for a single year – but Baron Sikka demonstrated yesterday that this would result in a loss of more than £30 billion to pensioners by 2027:

Under the triple lock, the state pension rises every year by the general rate of increase in earnings, the rate of inflation, or 2.5 per cent – whichever is the highest.

Because earnings fell dramatically during the first part of the pandemic and then rebounded quickly, an unmodified version of the pension triple lock would see a sharp rise in the state pension of around 8 per cent. The government wants to pass legislation that would stop this from happening automatically, and says it will reinstate the policy after the pandemic.

Source: Boris Johnson suffers heavy defeat in House of Lords over pensions triple lock | The Independent

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