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To think we shouldn’t have to contribute to soch if we don’t intend to use it?

737 replies

slozenger · 27/01/2026 22:03

For example, I don’t want a state pension - so I should surely be able to opt out of soch based contributions percentage. And just pay a lesser amount to cover anything I do take advantage of.

OP posts:
supersop60 · 28/01/2026 07:46

Oh, i think I’ve got it.
I thought it was an acronym and I was trying to work out State Operated Contributions H-something.
It’s a shortening of the word social isn’t it?
eg Mr Suchabody has lost his job and is claiming sosh.
How old fashioned.

FuzzyPuffling · 28/01/2026 07:46

Bonkers!
But I did have soshages for tea yesterday, and I can spell "different".

Nah...pay up and stop moaning.

GrethaGreen · 28/01/2026 07:42

I also think this must be a wonderful up, especially all the self -treat nonsense OP spouts.

SparklyGlitterballs · 28/01/2026 07:41

This is probably the weekly wind-up thread. No doubt OP saw how much attention last week's one got from using the word 'pench' for pension and decided to have their own bit of fun.

For the record I'm 62 and have never heard of soch/sosh. There are a lot of things I'd like to quit paying, or pay a reduction on eg TV licence, Council Tax, but I'm intelligent enough to realise that the cost to administer a system to keep track of those who are discounted, and the reasons why, would be exorbitant, and push up the cost of the tax in order to administer said database. OP needs to engage brain more before putting fingers on the keyboard.

ChocolateCinderToffee · 28/01/2026 07:40

Just counting up the things I don’t use but pay for:
anything child-related as I don’t have kids, so education, social care for children, subsidised bus services, entry to just about anything . . .
adult social care services
the bits of the NHS that treat illnesses I haven’t got

The list is endless. But you know what, OP? I’m happy to contribute to all these things because they mean the society I live in is safer and pleasanter.

CautiousLurker2 · 28/01/2026 07:39

HonoraBridge · 28/01/2026 07:34

“Soch”?

There was a thread about the ‘pench’ yesterday too. Think all the A level and BTEC students have been set some homework essays this week…

supersop60 · 28/01/2026 07:38

slozenger · 27/01/2026 22:30

Well I think you’ll find I know how to spell it the MOST as I’m the one who used the word first. I’ve spelt it both ways for those who struggle with comprehension.

How rude of you.

Ventress · 28/01/2026 07:37

I won’t be using the state pension either (life limited and use phi for my treatment) but I still understand that I have to pay for NI. I’ve paid for it for nearly 40 years. Under your system can I have a refund please @slozenger? It’ll be a lot as I earn a lot and have done for decades but I’m sure you don’t mind.

Elsvieta · 28/01/2026 07:35

slozenger · 27/01/2026 22:27

Stop being facetious. You all know full well what soch/sosh is.

I'd never heard it until just now, and I only know now that it's your personal term for "social security contributions" because you've just said so (still no idea what the H would stand for in that). No, internet strangers don't know full well what words you made up are - why would they?

HonoraBridge · 28/01/2026 07:34

“Soch”?

TorroFerney · 28/01/2026 07:33

slozenger · 27/01/2026 22:29

I think there are better ways - for example

If you want to use public services - pay more sosh.
If you do not - pay less, for example 1% discount for non NHS user.

If you got knocked over and were unconscious in the street with your non nhs badge on would you want to be left where you fell?

ArtfulTaupeGoose · 28/01/2026 07:32

.

TorroFerney · 28/01/2026 07:31

slozenger · 27/01/2026 22:18

I never said I wanted to fully opt out, just a discount for what I won’t be using as I cost less to run.

Than who?

Beachtastic · 28/01/2026 07:27

Oftenaddled · 27/01/2026 22:18

Unless you're not breathing air, drinking water, walking on footpaths, eating food, benefitting from security and emergency services, you don't really get to detach from society. You can't pick and choose your taxes as an individual, since nobody gets back based on what they get in. But you could consider politics or emigration as routes to change your tax burden.

Wouldn't it be great if we could each choose how our taxes are spent, like those tokens you get at Tesco's to pop into your preferred charity box 😂

Trytobegood22 · 28/01/2026 07:23

slozenger · 27/01/2026 22:15

No but it would be a good idea to keep something like that on my ID

Good luck finding a private A&E.

Mere1 · 28/01/2026 07:21

slozenger · 27/01/2026 22:29

I think there are better ways - for example

If you want to use public services - pay more sosh.
If you do not - pay less, for example 1% discount for non NHS user.

The problem with your opting out of NHS services would come if you needed an emergency ambulance-in a car crash, for example. Private is fine for planned procedures, consultations etc. You would be in deep trouble if you had a heart attack in a public place. A private ambulance in the UK, in such a scenario?

localnotail · 28/01/2026 07:18

Firstly, you are never a "non-NHS" user, even if you have a private insurance. I can't be asked to explain, but anyone with even a tiny brain cell would understand it.

Secondly, you can never in the 1000 years guarantee you will not need state pension. You dont have a crystal ball and have no idea what is awaiting you in the future.

Parker231 · 28/01/2026 07:14

slozenger · 27/01/2026 22:23

But the only option for this thread is opting out if you do not want to select a state pension. You’re over complicating matters here.

Your national insurance contributions aren’t funding your state pension, they are funding future generations.

66babe · 28/01/2026 07:13

I didn’t know what SOCH was either but looking at your explanation I see it’s something to do with TITS so I’m not really bothered now .. 55.. saggy ones that have fed a few children

PoppyFleur · 28/01/2026 07:09

slozenger · 27/01/2026 22:14

I’m still happy to pay a percentage. Just with a slight discount as I won’t be using the state pension?

You get a huge discount already. It’s otherwise known as tax relief on your pension contributions, and depending on how much tax you pay, you receive this at 20, 40 or 45 percent.

ruffler45 · 28/01/2026 07:04

slozenger · 27/01/2026 22:07

I think child based stuff should remain something we all provide for, to ensure low income families are not affected.

But for example a non NHS user who does not want a state pension should be able to opt out of soch payments imo.

Could you absolutely guarantee you would never ever use the NHS including the ambulances and paramedics if you had an accident or had a heart attack in the street? Private health care does not have A&E facilities as far as I am aware. Would you expect NHS responders to just leave you on the floor waiting for the private guys to arrive when time may be of the essense?

Minjou · 28/01/2026 07:04

slozenger · 27/01/2026 22:46

How is a person who pays tax not a contributor? Insulting to say the least.

I see you don't know how taxes work

Chenecinquantecinq · 28/01/2026 07:02

The maths wouldn't work. High earners pay for NHS but rarely use it etc. The only way (which is inevitable due to changing demographics) is that the NHS will have to completely overhaul to a quasi private system and the state pension won't exist for much longer. All for the best IMO.

Igneococcus · 28/01/2026 06:58

If OP earns above £50 270 per year, OP will already pay less NI on any earnings above that. There's her discount.

GCSEonline · 28/01/2026 06:57

slozenger · 27/01/2026 22:07

I think child based stuff should remain something we all provide for, to ensure low income families are not affected.

But for example a non NHS user who does not want a state pension should be able to opt out of soch payments imo.

Are you planning on never using an ambulance? A&E? Can you explain how? I’d love to know.

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