The Government's pension reforms - Work and Pensions Committee Contents

Written evidence submitted by M Seal

My submission consists of a comparison between my own State Pension circumstances and those of my sister-in-law, who is three years six months my senior, and of the inequity of our two cases.

(Please note I have nothing against my sister-in-law).

Firstly, my own State Pension circumstances are:

Date of Birth is December 1953. I have paid full National Insurance contributions throughout my working life. The DWP Forecasting Team on 16 February 2011 gave my details as follows.

5 April 2010 Forecast 5 April 2017 Forecast
Basic State Pension£97.65 £97.65
Additional State Pension£22.65 £36.50
Graduated Pension£0.51 £0.51

The leaflet EFFPC11/10 accompanying my forecast shows on page one that I will not receive my State Pension until I am 66 years of age.

Please note that at the beginning of my working life I expected my State Pension to commence at age 60. This was later amended to 63 years nine months. Now it is 66 years and may be 68 years.

Secondly, the circumstances of my sister-in-law:

Date of Birth is June 1950. She has also paid full National Insurance contributions throughout her working life. She has been in receipt of a full State Pension since the age of 60; that is, since June 2010.

Thirdly, the shortfall:

As you can see, by accident of myself being three years six months younger than my sister-in-law my State Pension will be less than hers by the following:

5 April 2011 values£121.11 x 52 weeks x 6 years =£37,786.32
5 April 2017 values£134.96 x 52 weeks x 6 years =£42,107.52

I hope that these calculations clearly outline the inequity of the two cases.

Just to make myself clear - I urge you most seriously not to approve any legislation, which will have such a gross ill effect upon my financial future.

March 2011

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Prepared 26 April 2011