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AIBU?

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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:
Supergirl1958 · 27/01/2026 22:46

slozenger · 27/01/2026 22:16

I’ve never said to duly opt out. Just that I’d like a discount for what I will not benefit from.

Assuming you have older relatives, does your ‘deduction’ from ‘soch(?)’ (I still haven’t a clue what it means but I’m assuming national insurance) mean that they have a deduction in their earnings. I have no idea why you won’t benefit from a state pension when the time comes, but I intend to take out of a system I’ve paid into when it’s my turn. I’ve worked since being 16 and have contributed to my community on voluntary basis since the age of 14…so I’d like to think I would deserve it…when and if I get there.

Tigerbalmshark · 27/01/2026 22:46

wiffin · 27/01/2026 22:41

Cornwall? They grow actual tea. Unlike some counties who just name the tea after themselves.

My parents both worked for the DSS in Rotherham in the 70s and 80s, and neither have heard the word “Sosh”. Because it’s national insurance.

”Stamps”, back when it was a literal stamp you bought and stuck on a card, yes. “Sosh”, nope.

Maybe OP lives in the village of Twyning in Gloucestershire.

slozenger · 27/01/2026 22:46

TeenYearsAreBrutal · 27/01/2026 22:45

But OP, it’s highly unlikely you’re a net contributor…so it’s even more ridiculous you’re proposing a discount.

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

OP posts:
TeenYearsAreBrutal · 27/01/2026 22:45

But OP, it’s highly unlikely you’re a net contributor…so it’s even more ridiculous you’re proposing a discount.

AstonScrapingsNameChange · 27/01/2026 22:45

Should pacifists be able to opt out of the bit of tax that pays for the military?

Don't be daft.

And no, 'soch' isn't self explanatory. I've just googled it and am none the wiser. What does it stand for WRT pensions?

velvetgeranium · 27/01/2026 22:44

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.

You could just say, sorry, you made a mistake - instead of being arsey and accusing posters of comprehension problems.

And you didn't spell it both ways for others. You got it wrong, spelling it "soch" in your title and then a further three times. Switching it to "sosh" didn't change much, as nobody recognised that either.

Sosh is a budget-friendly arm of telecommunications giant Orange apparently.

Floorflood · 27/01/2026 22:44

MasterBeth · 27/01/2026 22:29

I do now, because you just posted what you mean by it.

I have never in my 57 years heard the word.

Indeed. I’ve been a fiscal researcher in UK public spending for many years and it’s a new one on me too! All I was getting was that ethnic brand, and some androgynous social media profile.

Feteaccompli · 27/01/2026 22:43

So if you could choose what would you opt in or out of funding? State education, early years childcare, the police, libraries, the local swimming pool, the court system, the passport office? We could be here forever debating who funds what.

YouLookLikeStevieNicks · 27/01/2026 22:43

slozenger · 27/01/2026 22:41

I have 4 years left. Begrudgingly

So you've paid in all these years incase you needed a state pension. Now you're 4 years away from retiring and you realise you don't need it, you want your money back.

Jesus christ I've heard it all now. Just off to ring my car insurer. I didn't have a crash last year so I'd like a refund please.

SouthernNights59 · 27/01/2026 22:42

BlackCatDiscoClub · 27/01/2026 22:14

It sounds like you need to live on an island on your own. In society we contribute. I pay money towards the police even though I haven't had to call them. I pay money towards the fire service even though I've never needed them. I pay money towards road maintenance even though I dont own a car and mostly travel by train. Maybe one day I'll need the police or the fire service, but in the meantime I'm really glad I'm paying towards something that helps other people.

Exactly this. I am the same, in addition I don't have children and I've never had any hospital treatment (I'm 66) however I don't think I'm entitled to receive a refund for services not used. We all should contribute to society without thought to what we get out of it.

YABVVVVVVVVVVVVU OP, and if this is how you wish to live then go find that island.

wiffin · 27/01/2026 22:41

slozenger · 27/01/2026 22:39

I’m from the part where they make the best tea.

Cornwall? They grow actual tea. Unlike some counties who just name the tea after themselves.

slozenger · 27/01/2026 22:41

YouLookLikeStevieNicks · 27/01/2026 22:40

Based on the fact you're calling it sosh, I'm guessing you're at an age where you don't have many years contributions left, so I wouldn't get worked up about it.

Unless you're expecting a refund?

I have 4 years left. Begrudgingly

OP posts:
unsync · 27/01/2026 22:40

I'm starting to think that the OP would have benefitted from more 'soch' contributions into their education.

I started work in the 1980s, it was called NI then, and I still have my National Insurance number card that was sent to me back then.

AllTheChaos · 27/01/2026 22:40

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.

And what about if you start costing more to run? The whole point is you cannot know if you want ll or not, and if you start costing more the taxpayer will cover it. Social contract - we won’t leave you to die in a gutter if you get sick and lose your job. I bet Bezos won’t be getting a UK pension, does that mean Amazon should get a tax discount?!

YouLookLikeStevieNicks · 27/01/2026 22:40

Based on the fact you're calling it sosh, I'm guessing you're at an age where you don't have many years contributions left, so I wouldn't get worked up about it.

Unless you're expecting a refund?

slozenger · 27/01/2026 22:39

Acommonreader · 27/01/2026 22:39

I’m not sure how that would be workable and the cost of doing so would be massive. Also I’m sorry I have never heard of sosh- I’m in the Uk , maybe you are not?

I’m from the part where they make the best tea.

OP posts:
FrodoBiggins · 27/01/2026 22:39

slozenger · 27/01/2026 22:33

Ok the discussion is now finished! Stop

Don't say "stop"! Or is it "Stochp"?

I was just about to learn about your proposal for securtity contributions. I think my titties are reasonably secure already but I'm not getting any younger so (unlike some) I'm not going to pretend I might not need some help in that arena one day.

What are we talking? Bras? Or just shapewear? And most importantly will it look discrete under my Indian ethnic fashion?

slozenger · 27/01/2026 22:39

PandoraSocks · 27/01/2026 22:38

I reckon this was an attempt at benefit bashing, but has gone very wrong.

0/10.

How when literally not one person has mentioned benefits, apart from yourself? A state pension isn’t a benefit as such.

OP posts:
AgentPidge · 27/01/2026 22:39

BlackCatDiscoClub · 27/01/2026 22:36

Can you imagine, the police call an ambulance to a road traffic accident, the paramedic says "oh hang on, this one opts out of the NHS" and kicks the body to the side of the road 🤣

They'd have to see her lanyard first, the one that states she's a non-NHS user. But supposing it's hidden under her coat? Oh but it'd be OK. The OP would weakly wave them away before quietly expiring by the side of the road.

Acommonreader · 27/01/2026 22:39

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.

I’m not sure how that would be workable and the cost of doing so would be massive. Also I’m sorry I have never heard of sosh- I’m in the Uk , maybe you are not?

Viviennemary · 27/01/2026 22:38

No. Other exemptions perhaps. Paying for the NHS. Paying for schools. Think yourself lucky you don't need a state pension.

TeenYearsAreBrutal · 27/01/2026 22:38

slozenger · 27/01/2026 22:33

Ok the discussion is now finished! Stop

Schtop

wiffin · 27/01/2026 22:38

Am slightly intrigued why 3% think the OP is not unreasonable

sparepantsandtoothbrush · 27/01/2026 22:38

slozenger · 27/01/2026 22:36

Admittedly, this has made me roar.

Like a lion?

PandoraSocks · 27/01/2026 22:38

I reckon this was an attempt at benefit bashing, but has gone very wrong.

0/10.