State Pensions - claim early

Wibbles

I believe that certain disabled individuals should be entitled to claim their state pensions, up to 5 years early - especially those who are expected to die early - because we have still made our NI contributions…..

Perhaps those claiming enhanced PIP should be entitled ?

Anyone agree ?

michael57

How do you know your going to die 5 years early I have known people get told they have months left and there still going after many years

Wibbles

Probably won't die 5 years early

I said, "claiming pension" 5 years early

Wibbles

https://forum.scope.org.uk/discussion/comment/1091605#Comment_1091605

I have contributed 40 years worth of NI and if I die before claiming - how is that fair ?

Wibbles

https://forum.scope.org.uk/discussion/comment/1091727#Comment_1091727

Right so you agree with me ?

SwiftFox

Why should it be that if you are claiming a benefit, that should be able get your state pension early?…No other working person would be able to do it, no matter what position they're in.

What makes you or them so special that you could get your pension early because say your getting PiP?. It's a bit like wanting your insurance that covers your death early because you won't be able to spend it when you've gone lol

SwiftFox

But we aren't on about private pensions are? And the first post mentions if claiming pip doesn't it. Please don't go on the defensive bit about who and who can't claim benefits bit as that's getting boring. The poster said about drawing state pension early, maybe if claiming pip.

Wibbles

https://forum.scope.org.uk/discussion/comment/1091884#Comment_1091884

No because you would then be bringing in "means tested" State Pensions - which we do not want to go near !

private pensions are a totally separate thing and nothing to do with State Pensions.

SP's are paid out at 67 - not before under any circumstances - PP's can be paid out from 40's or even before (IHR)

I only mentioned PIP because people trying to claim an early SP would likely be receiving PIP.

Biblioklept

I actually always thought you could claim it early if medically retired 😆🫣 oops!

That highlights I’m talking from a complete place of ignorance and purely voicing some ideas as they come to me, but I suppose the argument could be made it could incentivise people to be found medically unfit- and where do you draw the line?? At what age? At what level of contribution? What conditions?

Right now I can’t keep a stable job and some of my conditions could see me medically retired despite being in my 30s, but in a few years who knows? I’d definitely like to think I’ll be working again and still take the occasional contract

But also if you’ve made full contributions and suddenly can’t work at nearer pension age, maybe there should be a way to access it hmmm

WhatThe

Where's the 'fair' in adding SEVEN years to my retirement age? That is the direction of travel in the name of equality: later not earlier.