State Pensions - claim early

Wibbles
Wibbles Community Member Posts: 3,686 Championing
in People power

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 ?

Comments

  • michael57
    michael57 Community Member Posts: 3,368 Championing

    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
    Wibbles Community Member Posts: 3,686 Championing

    Probably won't die 5 years early

    I said, "claiming pension" 5 years early

  • Wibbles
    Wibbles Community Member Posts: 3,686 Championing
    edited December 2025
    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
    Wibbles Community Member Posts: 3,686 Championing
    https://forum.scope.org.uk/discussion/comment/1091727#Comment_1091727

    Right so you agree with me ?

  • Wibbles
    Wibbles Community Member Posts: 3,686 Championing
    edited December 2025
    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
    Biblioklept Community Member Posts: 634 Trailblazing

    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
    WhatThe Community Member, Scope Member Posts: 6,173 Championing
    edited December 2025

    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.

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