Sad thing about the state pension has been the life-changing changes they have made to it at pretty short notice.
The latest scheme has not yet been finalised yet it started earlier this year - this creates an additional hazard of people being over-paid and having to make repayments.
Its been over two years that I have been trying to get a state-pension forecast and I still haven't managed to obtain one.
There are a lot of traps, there are loads of people that made voluntary contributions to pension schemes but have gained very little (or even nothing).
The national insurance credits system desperately needs to be re-vamped, I lost one years credit due to one single day missing thanks to an administrative mistake - fortunately I noticed and was able to have it corrected albeit it took a lot of messing around over a number of months. Credits should be done on a weekly or monthly basis.
My expected state pension (subject to them sorting out the rules) has halfed in the last two years. Pensions are supposed to be a life-long planning but massive changes at short notice make this a farce. The Government are supposed to maintain stability not increase instability.
Building a bigger soapbox for my next outburst on the subject.
In a time of universal deceit - telling the truth is a revolutionary act. George Orwell
When the debate is lost, slander becomes the tool of the loser. Socrates