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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

OP posts:
BIossomtoes · 15/05/2026 08:45

MikeRafone · 14/05/2026 21:01

So much for people taking more than they put in:

Furthermore, the National Insurance Fund has a growing surplus, due to paying price-linked benefits while collecting earnings-linked contributions. By March 2006 the surplus is projected to be £34.6bn, of which £25bn can be treated as usable surplus, above the reserve which must be kept for prudential reasons. If current policies continue, the surplus in the fund will be about £60bn by 2009. This is a convenient extra source of revenue for the Treasury, but it could fund better pensions. Income to the NI fund could be further increased by raising or abolishing the Upper Earnings Limit on contributions to the State Second Pension.

Good find @MikeRafone.

saraclara · 15/05/2026 08:39

BIossomtoes · 14/05/2026 09:46

This is spot on. Some women got around a year’s notice of the 2011 - and more significant - change. Women born in 1953 and 1954 got a particularly rough deal from that change. The Waspi campaign would have gathered a lot more support and sympathy if it had focused on the 2011 changes. The impact of those was sufficient for there now to be a requirement of ten years’ notice for any future change is state pension age.

I'm sure that when the Waspi thing started, the focus was on the 2011 changes. So I too find it odd that this time round, they're focusing on the earlier changes which they have less justification for challenging.

Thisbastardcomputer · 15/05/2026 08:19

I’m in the waspi range, not expecting a penny to be honest. Well pissed off, my really lovely sister in law who never worked but is a little older than me, got pension at 60, yet l who always worked had to wait until 66.

crossedlines · 15/05/2026 08:07

Hallamule · 15/05/2026 07:34

And almost all of this is utterly irrelevant to the question in hand. However good, or bad, their working conditions were, or happy or otherwise their marriages were, all they had to do was work a few more years til they could draw their pension. Plenty of unhappily married or single people today working with poor pay and conditions who will have to work longer.

Quite.

ive already said upthread that I’m only just a tad younger than the WASPI women. My ‘expected’ state pension age for at least the first decade that I was in the workplace was 60. I’m pretty sure even as a youngster in my first job I grasped that it was bizarre that it wasn’t the same as men’s state pension age. Women were fighting for equality so why would any of us expect our pensionable age to be 5 years younger? It’s so disingenuous when these WASPI women bang on about ‘6 or 7 years of pension being stolen from them’ - it’s rubbish.

I wasn’t in the least bit surprised when the pensionable age was equalised. And of course the more recent raises have affected everyone - men and women. My pensionable age is now 67. Nothing has been stolen from me. I have the common sense to understand the simple economics of affordability.

I still work. My NI contributions are fully paid up so I don’t stand to personally benefit from continuing to pay in but again, I understand how it works. I’m not paying into some ‘personal pot.’

The grasping, individualistic attitude of the WASPI campaign has done them no favours. Particularly (and I accept this is on an anecdotal level but it’s a fair point) some these women had taken years out of the workplace or years working part time, and were disgruntled mostly about just not really wanting to go to work rather than a genuine belief that they were ‘owed’ money. Of the WASPI women i know, that’s the case. A fraction older than me. The maternity rights, childcare provision etc was exactly the same for me as it was for them - ie: really bloody tough! But some of us got on with going to work and taking personal responsibility financially rather than whinging.

Hallamule · 15/05/2026 07:34

ShyMaryEllen · 14/05/2026 20:19

Yes, it did. A woman who was sidelined into a 'female' job on low pay with little or no pension wasn't going to be able to make it to the top (or anywhere near it) in time to make a difference. Even when the law changed, culture often didn't, and infrastructure (such as childcare and the idea of 'real men' and 'good husbands' supporting stay at home wives) was slow too. Many women worked for 'pin money' and didn't pay NI, sometimes because employers preferred to keep everyone under the limit so they didn't have to contribute either, and sometimes because the pay was low and there was little or no childcare available for those without family help.

Also laws that forced employers to allow part-time workers and those on recurring contracts (eg term-time in schools, or renewable academic contracts) to join pension schemes came in much later, and most PT workers have always been female. Some entry level jobs were renamed to make them sound unisex, but in fact were reserved for one sex or the other, with the higher paid ones with prospects for boys, and the support ones for girls.

Many women paid a lower stamp (NI contribution) when they married, as it was assumed their husbands would provide when they retired, and he could make higher contributions to his own SERPs (the earnings related bit of the old state pension), which could have tax advantages for the couple. Fine if that happened as planned, but if the couple split, it was the woman left with a low pension, and when the SPA changed these women had far more to pay back than if they had paid the full amount in their own right. I'm not advocating that those who paid in less should get a full pension, but it's not as clear cut as it sounds.

And almost all of this is utterly irrelevant to the question in hand. However good, or bad, their working conditions were, or happy or otherwise their marriages were, all they had to do was work a few more years til they could draw their pension. Plenty of unhappily married or single people today working with poor pay and conditions who will have to work longer.

BiteSizedLife · 15/05/2026 07:24

I'm 38. I'm fully expecting to reach retirement age only for the government to suddenly say "sorry, starting today we are taking away the state pension. Soz."

But I dont begrudge these women their moment.

SouthernNights59 · 15/05/2026 04:29

SuitcaseAndSecrets · 14/05/2026 11:35

I'm a Waspie..baby boomer born 1958.
I worked in a very large catalogue company ( remember Littlewoods/ Grattan/ empire Stores etc .. when you would order from the catalogue and pay weekly).. it had a huge warehouse and offices.. l was in quality control.. Long before minimum wage.. we had both male and female working the warehouse.. fork lift drivers etc.. but the men were paid more than the women for doing the exact same job. It was back breaking.
Pensions were never ever mentioned.. no one paid into one.. wasn't the company policy. We were told we would retire at 60..
People who think we are not owed anything.. think again.

Why do you think you are "owed" anything? I'm not in the UK and was born in 1959. When I started work the superannuation age was 60, by the time I retired it was 65 - so what? I never took any notice of what anyone else was being paid, but of course men here also usually were paid more - so what? I only cared about what I was being paid, not anyone else, and no we didn't pay into private superannuation schemes when I was young either. However, unlike you, I have never felt I am "owed" anything.

Walkden · 15/05/2026 03:28

"No-one ever told me the goalposts had changed re. the retirement age, there were no adverts I ever saw and this idea that we all had letters ??"

I'm not sure anyone can justify billions in compensation to people that are bad at "adulting" or the "mental load" of retirement planning.

Cooshawn · 15/05/2026 02:59

MrThorpeHazell · 14/05/2026 00:56

A someone who worked in the pensions industry, yes I am totally fed up with their antics.

The change was publicly announced and from an actuarial perspective it doesn't go far enough. The State pension age should really be 70 or possibly even 72, given that the underlying assumption was it would usually be paid for 15 years.

Their demands are based on greed, nothing else.

Life expectancy is 81(ish) so why would it need to be 71 or 72 if it's based on 15 years?

MrThorpeHazell · 15/05/2026 02:25

TheSmallAssassin · 14/05/2026 15:57

Well, I think doing what we do now, trying to keep the ratios of working time to retirement the same over generations is pretty fair, @MrThorpeHazell - just pointing out that it isn't true to say that the assumption is 15 years, it's that you spend around a third of your adult life in retirement.

Edited

That is the assumption used by insurance companies and pension providers, not the State pension.

Tigerbalmshark · 14/05/2026 23:35

BernardButlersBra · 14/05/2026 16:34

🤣🤣🤣 50 years of contributions is hardly excessive or out of the ordinary though. I will probably end up doing 55 or 56 years of contributions. Before you ask (like you ask someone else) l have already done 30 years

Exactly. PMSL that poster thinks 50 years working is some kind of shocking number - EVERYONE entering the workplace now will be working for at least 50 years until retirement age. And that’s assuming that retirement age doesn’t get pushed back even further, or get abolished altogether.

I fully expect to still be paying for that poster’s pension well into my 70s, a good decade older than she was when she was able to put her feet up.

Laurmolonlabe · 14/05/2026 22:36

Most companies don't have to be open about what they pay- how would you know you weren't being paid less- if no one flauted the rules Birmingham Cuncil wouldn't have paid dinnerladies less than men of the same grade for 25 years (up until about 2017)
and the court case and disparity in pay cost them millions- it bankrupted the council, look it up.
Any law is only any good if it is policed- like the majority of laws this one isn't. In the 1980's I got paid less than two thirds what my male opposite number was paid- they just gave him a slightly different and it was perfectly legal- it will still go on to a lesser extent to this day- if you don't realise that you are being incredibly naive.

Jane379 · 14/05/2026 21:53

notateenietiny · 14/05/2026 11:21

Struggling to get their next iPhone before they start work at about 26? Some of us started working at 15 and 16 and weren't back patted through life but stood on our own two feet battling for equal pay and little things like being able to get a mortgage as a single woman. I once got turned down for a job because apparently I was likely to get pregnant because of my age. I'd love to see you Mumsnet tabbies squawking if that happened to you or your DC or whatever you call them.

Kudos to you for fighting for those things

However both were banned in 1975, most WASPIs would not have been affected by them.

OP posts:
Jane379 · 14/05/2026 21:51

SuitcaseAndSecrets · 14/05/2026 11:35

I'm a Waspie..baby boomer born 1958.
I worked in a very large catalogue company ( remember Littlewoods/ Grattan/ empire Stores etc .. when you would order from the catalogue and pay weekly).. it had a huge warehouse and offices.. l was in quality control.. Long before minimum wage.. we had both male and female working the warehouse.. fork lift drivers etc.. but the men were paid more than the women for doing the exact same job. It was back breaking.
Pensions were never ever mentioned.. no one paid into one.. wasn't the company policy. We were told we would retire at 60..
People who think we are not owed anything.. think again.

That's really shocking. The equal pay act came into force in 1975..was there no way of getting the company to pay fairly?

OP posts:
Jane379 · 14/05/2026 21:48

AlcoholicAntibiotic · 14/05/2026 10:08

Yes, completely agree. I thought the original campaign was actually focused on this smaller cohort but it quickly seemed to be taken over by the broader “back to 60” people.

I think they’d have been more successful if they’d just focused on the 1953/1954 women.

This

OP posts:
Jane379 · 14/05/2026 21:44

Bunnyofhope · 14/05/2026 10:45

I'm a waspi woman.
I was also a test case for the Equal pay for work of Equal Value cases that were being brought by union's in the 90s. It was really stressful and a huge responsibility. I had to go before tribunals, submit loads of evidence and I won. That meant that every woman in my profession had to be paid as much as men doing the same job. We never received back pay but our salaries were increased by one third. So for the first 20 years of my working life I was underpaid.
I think many younger women forget what life was like for women only a few decades again. I am the reason you guys are paid properly!
I rose high in my career, could afford to retire early. I don't need the waspi money, though I would be more than happy to have it. It's not something I am campaigning for though, I've done my share of that. But fgs don't be arsey about the women who do need it. They weren't paid properly for years. And you stand on our shoulders. We achieved a lot for you!

Kudos to you for bringing that case : that's really shocking you were underpaid for so long, despite the law.

How common was this?

OP posts:
MikeRafone · 14/05/2026 21:36

Jane379 · 14/05/2026 21:24

This

You could still be legally sacked for getting pregnant until the 1990s and it was happening.

Jane379 · 14/05/2026 21:28

StarlightRobot · 14/05/2026 12:48

They are so so selfish. I would like to see them protest on behalf of young people who have been saddled with the debt created by their generation, saddled with crazy student debts and who have no hope of getting a mortgage, due to no fault of their own.

Some boomers did make bad choices in the past but it's unfair to blame a whole generation. I don't want this thread to he blanket boomer bashing. Plenty of boomers are hardly personally responsible for younger generations having less than they did.

I do think boomers overall should have tried to keep themselves in better health but this is of course complex..

OP posts:
Jane379 · 14/05/2026 21:24

BananaPeels · 14/05/2026 13:34

those polices were rare in the boomer generation. My parents are born in late 1940’s/early 1950’s and my mum worked all the way through to retirement. She had terrible maternity benefits for sure (had to go back to some work when I was only a month old) but there would have been very few people who were getting married in the 1980s who had to leave work upon marriage and pregnancy.

Edited

This

OP posts:
Jane379 · 14/05/2026 21:22

BananaPeels · 14/05/2026 14:02

Exactly so really didn’t affect the WASPi women. They would pretty much been getting married after that act came in.

This

OP posts:
Jane379 · 14/05/2026 21:21

OonaStubbs · 14/05/2026 12:31

Once the state pension was introduced it should always been the policy that the age for it would rise as life expectancy increased.

This

OP posts:
Jane379 · 14/05/2026 21:19

Jane379 · 14/05/2026 21:17

Thank you for the info : sorry, I remember now that what I read is that baby boomers DO have longer life expectancy than previous generations, but they also have poorer health

https://www.theguardian.com/society/2024/oct/07/baby-boomers-living-longer-but-are-in-worse-health-than-previous-generations

Also, from what I've read, Gen X, the children of the boomers, have a fairly similar life expectancy. But like the Boomers, they will have fewer healthy years, on average.

OP posts:
Jane379 · 14/05/2026 21:17

DaisyDooley · 14/05/2026 16:40

The life expectancy of the ‘baby boomer generation’ is 79-83.
The life expectancy of the silent generation (1925-1945) is 74-80.
So, as I said, the baby boomer post ww2 generation are the first generation to leave their offspring with shorter life expectancy and poorer.

Thank you for the info : sorry, I remember now that what I read is that baby boomers DO have longer life expectancy than previous generations, but they also have poorer health

https://www.theguardian.com/society/2024/oct/07/baby-boomers-living-longer-but-are-in-worse-health-than-previous-generations

Baby boomers living longer but are in worse health than previous generations

Obesity, type 2 diabetes, cancer, heart disease and other diseases all affecting people at younger ages, say experts

https://www.theguardian.com/society/2024/oct/07/baby-boomers-living-longer-but-are-in-worse-health-than-previous-generations

OP posts:
Jane379 · 14/05/2026 21:10

ShyMaryEllen · 14/05/2026 20:19

Yes, it did. A woman who was sidelined into a 'female' job on low pay with little or no pension wasn't going to be able to make it to the top (or anywhere near it) in time to make a difference. Even when the law changed, culture often didn't, and infrastructure (such as childcare and the idea of 'real men' and 'good husbands' supporting stay at home wives) was slow too. Many women worked for 'pin money' and didn't pay NI, sometimes because employers preferred to keep everyone under the limit so they didn't have to contribute either, and sometimes because the pay was low and there was little or no childcare available for those without family help.

Also laws that forced employers to allow part-time workers and those on recurring contracts (eg term-time in schools, or renewable academic contracts) to join pension schemes came in much later, and most PT workers have always been female. Some entry level jobs were renamed to make them sound unisex, but in fact were reserved for one sex or the other, with the higher paid ones with prospects for boys, and the support ones for girls.

Many women paid a lower stamp (NI contribution) when they married, as it was assumed their husbands would provide when they retired, and he could make higher contributions to his own SERPs (the earnings related bit of the old state pension), which could have tax advantages for the couple. Fine if that happened as planned, but if the couple split, it was the woman left with a low pension, and when the SPA changed these women had far more to pay back than if they had paid the full amount in their own right. I'm not advocating that those who paid in less should get a full pension, but it's not as clear cut as it sounds.

These are strong points: I'm older Gen Z and I should know more of this history. My grandmother was born in the 30s and worked all her life in girls' schools with mostly female teachers, so was less held back in a sense, but obviously this wasn't the case for many other women including younger ones.
As you say, it's not clear-cut : but probably not financially possible to compensate....

OP posts:
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