Tag Archives: life expectancy

Planned pension-age rise means most will die before ever seeing it

Iain Duncan Smith is a genuinely evil little man, isn’t he?

He spent years orchestrating the deniable deaths of uncounted (literally – the Department for Work and Pensions deliberately did not check on what happened to these people) sick and disabled people by changing the benefit assessment system to make it easier to cancel their payments.

Now the Centre for Social Justice think tank, of which he is chairman, is recommending that the age at which we may qualify for the state pension should be raised to 75 by the year 2035.

(Its previous big success – ha ha – was Universal Credit, which it dreamed up on the back of a fag packet in 2009 and which David Cameron adopted as Coalition government policy a year later.)

Apparently all the state-shrinking cuts inflicted by the Tories, along with the tax cuts they have given themselves and their super-rich friends, mean that the Treasury can no longer afford the ballooning cost of supporting an ever-increasing elderly population while the birth rate continues to decline.

Importing workers from other countries would have helped, but Brexit and the xenophobia the Tories have nurtured alongside it have put an end to that.

The aim, of course, is to avoid paying the state pension at all – to make ordinary people work until they die.

This is one of the reasons the Tories have been working to ensure that life expectancy – the age at which we may expect to die – falls.

They have succeeded in this aim, as David Hencke noted in an article last year:

“Britain is literally dying. Ever since the Tory and Liberal Democrat coalition came to power a 50 year improvement in the death rate year on year went into reverse.”

He wrote that the lowest life expectancy in April 2018 was in Glasgow, Blackpool, Dundee, West Dunbartonshire and North Lanarkshire, where men could expect to live until the age of 75.4 at the most.

Under Iain Duncan Smith’s plan, that means most men living in these places would never draw the state pension, despite having paid into it for the whole of their working lives.

As comedian George Carlin told Americans, the same now applies in the UK: “They’re coming for your social security money, they’re coming for your retirement money. They want it back.”

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Austerity IS killing people and Corbyn must man up about it

You can probably tell from the headline that This Writer is a little disappointed in the Labour leader.

Jeremy Corbyn told Aneurin Bevan Day celebrants in Tredegar there was “mounting evidence” that Tory austerity has been killing people.

He said: “There is clear and mounting evidence that austerity and inequality are killing people.

“For years people were living longer and life expectancy was increasing. That has now ground to a halt and in some parts of the country life expectancy is falling. This is unprecedented.”

Mounting evidence? We’re eight years into Tory austerity and the evidence is all around us!

We know that Tory changes to benefit eligibility have killed thousands because This Site forced the government to admit it after a two-year Freedom of Information battle.

We know that Tory changes to health and social care have killed more than 120,000 people because, again, the Conservative government has admitted it.

We don’t need more proof that Tory austerity is lowering life expectancy.

We do need a Labour government that will launch an investigation into the number of avoidable deaths that were caused by Tory policies – immediately upon taking office.

We need a government that will seize all relevant papers from all relevant goverment departments immediately, and that will follow all evidence trails without fear or favour, no matter where they lead.

The dead demand it.

Corbyn’s words are not strong enough.

He needs to man up and take the Tories to task over the mass deaths they have caused.

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Britain’s starvation crisis won’t bother our new millionaires at all

Britain's shame: The front page of yesterday's Daily Mirror.

Britain’s shame: The front page of yesterday’s Daily Mirror.

So the United Kingdom now houses more millionaires than ever before – but at the huge cost of forcing hundreds of thousands of people to seek help from food banks or starve.

This is David Cameron’s gamble: That enough people will profit from the misery of the huge underclass he has created to vote him back into office in 2015, to continue his attack on anybody who takes home less than £100,000 pay per year.

Are you really that selfish?

Do you think this is any way for a civilised, First-World society to order itself?

No – it’s more like the description of the Third World that became prevalent towards the end of the 1960s: A country with low economic development, low life expectancy, high rates of poverty, and rampant disease. They are also countries where a wealthy ruling class is free to exploit the population at large who, without money or force of arms, are powerless to stop them.

Let’s see now… The UK definitely has low economic development. Neoliberal governments since 1979 have decimated our industrial base and the so-called recovery we are currently enjoying has yet to show any worthwhile results, despite the dubious rises in employment and wages that are making headlines this week.

Low life expectancy? Yes, we have that. People in lower-class residential areas are expected to live only a few years into their retirement, if they make it that far, while those in rich areas may continue into their late eighties. Sharp readers will recognise that, although we all pay the same amount into the state pension, the rich get more from it as they live long enough to receive larger amounts.

High rates of poverty? According to the Trussell Trust, the number of food parcels it handed out per year tripled from 346,992 in 2012 to 913,138 last year, with 330,205 going to children. Another 182,000 were provided by 45 independent food banks. The government says poverty is falling but bases its figures on a proportion of the median wage, which has been dropping for the last six years. This means government claims that worker wages are rising must also be lies.

Rampant disease? Perhaps we should not go as far as to suggest this is happening – but the British Isles have witnessed the return of diseases long-thought banished from these shores, like Rickets and Scarlet Fever, along with an increase in Tuberculosis. These are all poverty-related, as they are caused by malnourishment. You can thank your Tory government for forcing so many people out of work and diverting so much NHS funding into privatisation.

As for a wealthy working class exploiting the population – the evidence is all around us.

Look at the reasons people are being driven to food banks, according to the Daily Mirror article from which I quoted the food bank figures: “Benefits cuts and delays, the rising cost of living and pay freezes are forcing more and more people into food banks, experts have long warned.” All of these are the result of Tory government policy.

The government is, of course, unrepentant. I had the misfortune to see Treasury minister David Gauke – who found infamy when he signed off on huge “sweetheart deals” letting multinational firms off paying billions of pounds of income tax they owed us – saying he was not ashamed of the huge food bank uptake. He said they were doing a valuable job and he was glad that the government was signposting people to them. Nobody seemed to want to ask him: In the country with the world’s sixth-largest economy, why are food banks needed at all?

Of course, I’m not likely to persuade anyone to change their political allegiance over this. You all know where I stand and, besides, this blog is simply not big enough to make a difference.

So I’ll leave you with the words of someone who is far more popular: Eddie Izzard, writing in (again) the Mirror:

“A million food parcels. How did our Britain get to be so hungry? Our country, where even after the Second World War, we still had the ambition to feed our poorest people and build a better country.

“This government said it wanted to reform the British welfare system. Instead, it has broken it. The proof is here in the desperate families who have had to turn to their GP, not for medicine, but for vouchers to be able to eat.

“Instead of supporting the most vulnerable people in Britain during the recession this government has hit them with a wave of cruel cuts and punishments – sanctions, Bedroom Tax, welfare cuts.

“The zero hours economy it champions is not enough to put food on tables. It’s done nothing to tackle food and fuel costs.

“No wonder that today, 600 faith leaders, dozens of charities and 40 bishops are telling David Cameron he is failing the country’s poorest people.”

Perhaps you are not affected, like all those new millionaires on whom the Tories are relying. Do you think that makes it all right for this to be happening here?

You can use your vote to share your opinion.

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Hypocritical Tories plan attack on pensioners while protecting themselves

Someone's raiding the pensions piggy-bank: Government changes mean the rich will be subsidised by the poor.

Someone’s raiding the pensions piggy-bank: Government changes mean the rich will be subsidised by the poor.

It seems the Conservatives cannot wait to betray their most loyal voting group. If you are a pensioner – beware!

As trailed on Vox Political last November, the Department for Work and Pensions appears to be planning to delete the cold weather payment from its chequebook, along with free bus passes and free TV licences.

We already know that the age at which the state pension will be paid is rising, meaning people will have to continue working for longer before they qualify for the £144/week payment (with a minimum National Insurance record of 30 full years). This is a betrayal of promises made by both the Conservatives and the Liberal Democrats in their document ‘The Coalition: Our Programme for Government’.

Because life expectancy depends on where you live and your social class, this means many poorer people will enjoy only three-to-six years of retirement on average, while richer pensioners get 17-20 years of pension payments. That’s right – rich people even get a better deal from the state pension.

Meanwhile, the taxpayer is being asked to fund three-fifths of the pension scheme for members of Parliament, who qualify at the age of 60 after 20 years’ service (or after 15 years if aged between 60 and 65) and receive an average of £353/week (see House of Commons Library SN6283: MPs’ Pension Scheme – 2012 onwards).

MPs (along with civil servants and judges) will receive transitional protection as the pensionable age rises – meaning they won’t lose out. More than 700,000 working women, on the other hand, have received less than two years’ notice of changes that will deprive them of up to £7,500 per year.

Iain Duncan Smith announced at yesterday’s meeting of the Commons Work and Pensions Committee that he was considering removing benefits that are exclusively for pensioners, in order to bolster his Benefit Cap.

He said: “We need maximum flexibility with the cap. Pretty much all existing ringfences will have to disappear.”

Asked if pensioner benefits would be included in the cap, he said: “These are matters which are still under discussion.”

The Benefit Cap was hailed as a hugely popular policy after its introduction last year, but it is now questionable whether pensioners will be quite so enthusiastic.

Including pensioners’ benefits among those that are capped means they may have to be means tested in the future, as the number of pensioners grows – putting pressure on the £200 billion benefits budget.

The Daily Mirror reported that Treasury sources played down this prospect last night, saying the annual spend on pensioner benefits was dwarfed by other payments. This is disingenuous as the annual spend on pensions is more than on all the other benefits combined. Cutting pensioner benefits and forcing people to work longer before they receive their pensions will deprive senior citizens of billions of pounds.

While changes to pensioners’ benefits are still under discussion, changes to the age at which pensions are paid have already become law.

The hypocrisy of MPs in imposing new rules that disadvantage ordinary people while protecting themselves, judges and civil servants has led to the creation of a petition on the 38 Degrees website, calling for the changes to be reversed.

The petition states: “It is discrimination to impose ‘rules’ that disadvantage one group of people more than another. It is against the law to treat someone less favourably than someone else. How can this Government be allowed to get away with this?

“Because of this broken promise those of us affected are now being forced to work longer and wait longer to receive our state pension, which is an entitlement and something to which we have contributed, all of our working lives.

“These changes will also have a detrimental impact upon employment opportunities for young people. The longer we are being forced to work, the fewer jobs there will be for them. Is this an honourable way to treat people?

“The right to retire with financial security, at the age that has been promised throughout our working lives, has been denied.

“This broken promise is unfair, unnecessary and totally unacceptable. Ministers need to do a u-turn on this mean-spirited move and honour their word.”

The petition currently (February 4) has around 7,100 signatures. If you agree with it, please visit the 38 Degrees website and sign.

And don’t forget to mention it to anyone you know who is coming up to retirement age.

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The great pensions rip-off

Someone's raiding the pensions piggy-bank: Government changes mean the rich will be subsidised by the poor.

Someone’s raiding the pensions piggy-bank: Government changes mean the rich will be subsidised by the poor. [Picture: The Guardian]

We all know that pensioners have a charmed life under the current government – right? Pensions take up around half the £160 billion social security budget and there are other perks like the cold weather payment during the winter months, free bus passes and free TV licences – right?

They get a triple-lock inflation guarantee, under which the state pension rises according to the highest of CPI inflation, the rise in earnings or 2.5 per cent. They get Pension Credit (otherwise known as the Minimum Income Guarantee) to ensure they receive a weekly minimum of more than £140.

So no matter what happens to the rest of us, they’re in clover – right?

Not really.

Just taking those examples, Tory Liam Fox wants to cut the cold weather payment down to nothing, and the Liberal Democrat Vince Cable wants to means-test or tax pensions. The free TV licence will disappear if the rising clamour to privatise the BBC receives government blessing.

Then there’s the fact that the age at which we can start drawing our pensions is rising – from 65 (for men) and 60 (for women) in 2010 to 68 (for both) by 2046, which may seem a long way into the future but in fact affects people from 2016 onwards.

The government is bringing this in because people are living longer, and this may seem like a reasonable idea – until one takes into account the fact that life expectancy is hugely dependant not only on where you live but on your social class as well.

For example, in Kensington and Chelsea, average male life expectancy in 2010 was 85.1 years, and average female life expectancy was 89.8 years. In Glasgow at the same time, average male life expectancy was 71.6 years – 13.5 less than men in Kensington and Chelsea – and average female life expectancy was 78 years – 11.8 years lower than in Kensington and Chelsea.

Between 2004 and 2010 the gap in life expectancy between the two places increased by one year and 1.7 years for men and women respectively, indicating that health inequalities across the UK are increasing.

Social class also has a huge effect on life expectancy, with people in higher managerial and professional occupations likely to live 3.5 years longer than those in routine occupations.

But they all pay National Insurance contributions for the same period of time – 30 years – in order to qualify for the state pension. This means working class people living in social housing are likely to be paying towards the pensions of upper-middle class professionals in penthouses, as well as their own.

Now the government is introducing the flat-rate pension for people reaching the state pension age who have made 35 years’ National Insurance contributions. The payment will be £144 per week at today’s prices.

People who have built up large savings for their retirement will be considerably better-off because pensions will no longer be means-tested (Pension Credit will be phased out).

Existing pensioners will remain in the old system and are likely to be worse-off than those who qualify for the new pension.

People aged in their 20s at the moment may also be worse-off than under the current system (so, even with pensions, the Coalition government has found a way to attack the young).

And people who have not paid National Insurance for at least seven years in total will not qualify for the new single-tier state pension at all.

Workers who belong to contracted-out final salary schemes pay lower NI contributions at present, but these will rise after 2016. Public sector workers in such schemes will have to pay more.

The couple’s pension rate, which is lower than the individual rate, is being phased out. This means around 30,000 women due to retire in and around 2016 are expected to lose out, as they were relying on their husband’s NI record for a state pension income and will no longer be entitled to it.

We already knew all of that.

Now, the National Federation of Occupational Pensioners says the government is proposing changes to workplace pension schemes that will undermine benefits, increase pension poverty and widen the gap between the private sector and public sector schemes, according to Mature Times.

The proposed changes mean companies will be allowed to change their scheme rules to remove the inflation link for pensions, increase their pension age and get rid of other benefits such as pensions for spouses. This significant downgrade of pension provision means scheme members could reach retirement and then realise that the expected return from their pensions has been severely reduced.

Put it all together and the less wealthy are being subjected to another rip-off – this one delayed until retirement. Who knows how much energy bills will cost by then? How many of us will have rent to pay, or mortgage payments to complete? How much will the weekly groceries cost? Will the equivalent of £144 per week be enough, by then?

And – in the current cutthroat times – how many of us will survive to find out?