We need to focus on state pensions. Because changes are not immediate but in the future it seems to have gone without much comment upto now. But for people born after 1954 they will find they are entitled to a state pension much later than now. For some, they will be aged 68 before they are entitled to any pension at all. This is a serious issue for many people and could leave many in poverty. We may be living longer but is it really feasible that we can work full-time until almost 70? NI contributions have gone up but we are seeing less for our money.
State pensions for all at 65 and not a day later.
Flat Rate Pension leaves current pensioners with far less pension, than the 30 per cent only of new claimants who will get the full flat rate pension, but not Pension Credit or the extra from SERPs / S2P which ends with Flat Rate Pension from April 2016.
Housewives, widows and divorcees as new claimants - nil state pension.
Nil state pension for new claimants aged 80 after April 2016 of Category D pension, if nil Ni credit history, despite lifelong citizen.