PS Quote David “etc… for retired people who haven’t planned in advance,”
Not sure what you mean by that.
I paid National Insurance contributions and employers pension schemes for all my working life, having been assured of three things, –
1) The NI contributions are compulsory, for my OAP.
2) When my state pension was worked out, they counted how much I had paid in over my working life.
3) No matter how long I live, I won’t get it all back.
The employers schemes all vanished into the mist.
So what do you mean by “haven’t planned in advance”?
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