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#992384 - 20th Nov 2015 11:59pm Pensions - Another Gift to the Rich?
diggingdeeper Offline

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Registered: 9th Jul 2008
Posts: 10276
Loc: Birkenhead
Osborne has just given another rise to the state pension - but who gets this rise.

A poor pensioner only on state pension will NOT get a rise because their pension is topped up to 151.20 by pension credit.

A rich pensioner not receiving pension credit will get the full rise.
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#992386 - 21st Nov 2015 12:18am Re: Pensions - Another Gift to the Rich? [Re: diggingdeeper]
granny Offline

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Registered: 29th Jun 2011
Posts: 14435
Loc: Wirral
Well count me as a rich pensioner as I get 5 a week over and above the pension credit criteria. That means I have to pay full council tax, and full everything else.

So I am worse off, the one who paid into a pension fund once I earned enough to do so which doesn't even cover my council tax. So thank you Mr Osborne, about time the under privileged voice was heard.
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Humankind has not woven the web of life. We are but one thread within it. Whatever we do to the web, we do to ourselves. All things are bound together. All things connect.
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#992388 - 21st Nov 2015 12:40am Re: Pensions - Another Gift to the Rich? [Re: diggingdeeper]
diggingdeeper Offline

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Registered: 9th Jul 2008
Posts: 10276
Loc: Birkenhead
Double check, I just threw some figures into the pension credit calculator intentionally totalling 5 a week over the 151.20 (single) pension credit and it told me I was entitled to 12.92 a week.

I used ....

115.95 state pension
40 private pension

Which totals 155.95 a week

PENSION CREDIT CALCULATOR
_________________________
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

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#992421 - 21st Nov 2015 11:33am Re: Pensions - Another Gift to the Rich? [Re: diggingdeeper]
granny Offline

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Registered: 29th Jun 2011
Posts: 14435
Loc: Wirral
On that basis, you would get 12.92 plus exemption from council tax which could be anything up to 150 per month. So take an average of 100 equivalent to another 25 per week on top of.
Have a look at the 'savings credit'. It's too darn complicated for me. All I know is, I get 'nowt in the way of freebees, unlike others.


Edited by granny (21st Nov 2015 11:33am)
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Humankind has not woven the web of life. We are but one thread within it. Whatever we do to the web, we do to ourselves. All things are bound together. All things connect.
~Chief Seattle

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#992422 - 21st Nov 2015 11:53am Re: Pensions - Another Gift to the Rich? [Re: diggingdeeper]
granny Offline

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Registered: 29th Jun 2011
Posts: 14435
Loc: Wirral
For anyone else who might be confused !


http://www.which.co.uk/money/retirement/...ion-will-i-get/
_________________________
Humankind has not woven the web of life. We are but one thread within it. Whatever we do to the web, we do to ourselves. All things are bound together. All things connect.
~Chief Seattle

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#992430 - 21st Nov 2015 2:41pm Re: Pensions - Another Gift to the Rich? [Re: diggingdeeper]
BandyCoot Offline

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Registered: 7th Dec 2008
Posts: 5360
Loc: Birkenhead
Another gift to the rich my arris. It's an increase to the basic state pension. Don't get tax credit myself but pay tax on the bit I get over the odds and pay for my dental treatment etc etc. Everybody is different so it's a waste of time trying lump everyone into categories in this case. I can't see anyone dipping out. They're trying to straighten out the anomalies and it's bound to upset someone.
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#992442 - 21st Nov 2015 4:23pm Re: Pensions - Another Gift to the Rich? [Re: diggingdeeper]
diggingdeeper Offline

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Registered: 9th Jul 2008
Posts: 10276
Loc: Birkenhead
Someone on basic state pension with pension credit will not get any rise out of this increase (they were getting 151.20 in total and will still get 151.20 in total), what they gain in state pension they lose 100% in pension credit.

Someone getting a million pounds private pension and state pension will get an increase.

Some people currently just below pension credit threshold will be pushed out of pension credit and will lose many other benefits (free dental, glasses, prescriptions, reduced council tax etc) which will cost them more than the increase - so they will lose money.
_________________________
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

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#992443 - 21st Nov 2015 4:29pm Re: Pensions - Another Gift to the Rich? [Re: diggingdeeper]
dustymclean Offline

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Registered: 18th Sep 2013
Posts: 345
Loc: birkenhead
Someone getting a million pound private pension will be calling his state pension a tax refund.

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#992449 - 21st Nov 2015 4:53pm Re: Pensions - Another Gift to the Rich? [Re: diggingdeeper]
granny Offline

Wiki Master

Registered: 29th Jun 2011
Posts: 14435
Loc: Wirral
Ha ha ! Don't get to depressed. Mr Osborne is to announce that Council Tax will be allowed to rise up to 2% from next year.

So those who don't gain in the state pension stakes, will gain in the concessions on council tax. Those who benefit from the rise will be paying more council tax.

So who are the losers ?

Signed

The Rich Bitch
_________________________
Humankind has not woven the web of life. We are but one thread within it. Whatever we do to the web, we do to ourselves. All things are bound together. All things connect.
~Chief Seattle

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#992530 - 22nd Nov 2015 12:30pm Re: Pensions - Another Gift to the Rich? [Re: diggingdeeper]
diggingdeeper Offline

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Registered: 9th Jul 2008
Posts: 10276
Loc: Birkenhead
The 2% is a new "social care precept" so will be additional to the council tax rise - but there will be the usual bribery/penalties to try and limit any chances of a rise in council tax.

Basically the government are introducing a new tax so they can still boast that the old tax hasn't increased.
_________________________
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

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#992539 - 22nd Nov 2015 2:12pm Re: Pensions - Another Gift to the Rich? [Re: diggingdeeper]
jimbob Online   content

Forum Addict

Registered: 26th Nov 2008
Posts: 1550
Loc: Birkenhead
Its good to hear I am Rich { quote from DD } due to having paid into a separate pension pot which exempts me from any form of top up from the state which means I will get the rise. Oops just got the heating allowance perhaps I should send it back, along with my bus pass.
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Ships that pass in the night, seldom seen and soon forgoten

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#992540 - 22nd Nov 2015 2:32pm Re: Pensions - Another Gift to the Rich? [Re: diggingdeeper]
Pinzgauer
Unregistered


Oh yes, the Heating Allowance. I'd forgotten that was coming up anytime now. Thanks Jimbob. Well, that's Christmas sorted !!!! grin


Edited by Pinzgauer (22nd Nov 2015 2:32pm)

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#992548 - 22nd Nov 2015 5:23pm Re: Pensions - Another Gift to the Rich? [Re: diggingdeeper]
diggingdeeper Offline

Wiki Master

Registered: 9th Jul 2008
Posts: 10276
Loc: Birkenhead
I never said all people that would get the pension increase are rich, a few people have put words in my mouth.

What I said was the the rich would get a rise and the poorest wouldn't - I didn't mention or imply anything about the in-betweens.

I would get the increase if I was old enough, that doesn't stop me from seeing the injustice.
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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

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