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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

OP posts:
TheignT · 14/05/2026 16:23

Nanda66 · 14/05/2026 13:38

Im a bit younger so my pension age is now 67 although it was 60 when I started work but it didn’t suddenly change from 60 to 66. That is a myth, it was announced in 1995 that it would be rising to 65 for women. It was later brought forward and a change from 65 to 66 that was accelerated and affected Waspi women. All women have known of at least an extra 5 years since the mid 90s and for many it is more than 5.

I really think Waspi women are campaigning on the wrong thing. Otherwise I and others would also be campaigning for the 7 years or more we think we’re owed.

That's not quite accurate. I was born in 53, the 95 announcement meant I'd get my pension at 63,in 2011 that changed to 65. So some women were due to get their pension at 65 but some at 61, 62 and so on.

I think the bit I hated was if I'd been born 8 hours earlier if have got my pension three months earlier. Cliff edges are annoying.

I think a campaign for the short notice some had with the 2011 change would have made more sense but it's history now.

Focacciaisyum · 14/05/2026 16:23

notateenietiny · 14/05/2026 11:26

Listen darling. I worked and paid in for 50 years, six years longer than my pension age was supposed to be when I started work. I never got a thing other than my wages because I didn't have children. Now I get my state pension and my private pension and I'm not apologising to oiks like you for taking a pension from a system I contributed to for 50 years. 50 years contributions. How many have you got?

Mo one is suggesting you shouldn't get a person though are they? You've just made that up. People are talking about how you shouldn't be getting compensation for yhe change in pension age paid for by current workers. Which you absolutely shouldnt.
And FWIW I have 32 years contributions so far and 19 years till I can retire (unless it gets raised again) 9 months total maternity leave in that time. 2 kids.

Jane379 · 14/05/2026 16:21

ShyMaryEllen · 14/05/2026 01:00

Well, you can if you earned unequal pay, and weren’t allowed to pay into an occupational pension for most of your working life. There is still a gender pay gap now, but when 50’s born women (not all are members of WASPI) started working there was legal discrimination against women. That wasn’t swept away by the Equality Act.

That's true...but equal pay act came into force in 1975, surely unequal pay can't have had a huge impact on most of these women?

OP posts:
Jane379 · 14/05/2026 16:17

Sorry, I was very busy- lots of interesting replies. I'll reply to more tonight....

OP posts:
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.

GoldMoon · 14/05/2026 15:56

BIossomtoes · 14/05/2026 11:46

So in reality the early 1960s born women are losing out the most

They didn’t. Women born in 1953/54 were the worse affected because of the short notice. You had 17 years notice after 2011, some early 1950s women barely got 17 months notice.

I disagree yes it might have been harsh for early 50s born women but I was born in the first few months of 61 and have worked since the age of 16 was under the belief for a large part of my working career that I would be retiring at 60 . Women born in the early 50s were pushed to 65 and later born to 67 . My friend born less than 2 years before retired at 66 as it was cumulative but that has now caught up and I will receive my pension ( and bus pass ) at 67 .

MrThorpeHazell · 14/05/2026 15:51

TheSmallAssassin · 14/05/2026 09:10

One of the variables for setting pension age is trying to keep the proportion of life spent in retirement compared to working the same as it was for previous generations, so as we live longer, we work longer and get longer in retirement. Pegging it to a specific number of years isn't correct.

OK, but can you come up with a better way?

HoppityBun · 14/05/2026 15:47

Carandache18 · 14/05/2026 14:29

I'm of that age (still working but late 60s).I knew from the beginning, my colleagues knew, during the following decades of working life people's retirement would be looked forward to, the subject would come up but I never heard of any woman looking forward to collecting a state pension at 60. I imagine any who did would have been immediately informed of their mistake.
I just can't see how any one of normal intelligence and with any sort of access to information from tv. radio. even if they couldn't read and had no colleagues or friends or family couldn't know.
I've heard there was a 'letter' sent, and some people didn't receive it. I am one of those people. I have no memory of any letter. But of course I knew.

Same here. I don’t think I got a letter, but I knew. In fact I’m certain that raising the retirement age for women had been talked and talked about for years.

HoppityBun · 14/05/2026 15:41

Walkyrie · 14/05/2026 12:56

It actually blows my mind that 1 average wage could buy a fairly nice 3 bedroom house in an average area, and sustain a 2 child family without being utterly skint 24/7

I agree that the change in wealth inequality is devastating but recording that your mind is blown is only the beginning. People are actively working on how to deal with this and it’s worth reading people who think about what to do, such as Richard Murphy, Thomas Picketty, Gary Stevenson and the New Economics Foundation.

BIossomtoes · 14/05/2026 15:40

BananaPeels · 14/05/2026 15:37

But the people in 1950/51 had the least notice of the change surely even if they got the retire younger? Or am I misreading that?

You’re misreading it. They weren’t affected by the 2011 Act so they had over a decade of notice. The people worst affected were those hit again by the 2011 changes.

crossedlines · 14/05/2026 15:37

I’m really just a tiny bit younger than WASPI women and I always worked. Ok so there were no funded hours of childcare, far fewer childcare providers and no wraparound school care so it was tough! I literally had to phone the council and enquire about a list of people who did childminding before I returned to work with my 12 week old baby. But it was still a possibility. We weren’t all staying home, doing little part time jobs for pin money and having no clue what our husbands earned.

sure, go back a generation or more and things were different. My grandmother had to stop work when she had my mum. But with the WASPI women, we’re not talking the dark ages….many of them were working and didn’t spend decades out of the workplace. I think some people are conveniently forgetting the choices which were available in this era

BananaPeels · 14/05/2026 15:37

BIossomtoes · 14/05/2026 15:31

If you look at this chart women born in 1953/54 were the worst affected.

https://assets.publishing.service.gov.uk/media/5a7f02e640f0b62305b84929/spa-timetable.pdf

But the people in 1950/51 had the least notice of the change surely even if they got the retire younger? Or am I misreading that?

MrsMurphyIWish · 14/05/2026 15:34

I’m also sick of hearing about “I paid my stamp for 35 years where is my pension?” At 47 I have “qualified” according to HMRC but I won’t get my pension til 68. If it’s there! My MIL - and I do love her! - has never worked. She came to this country as an immigrant, met her husband and had her children. She raised great children btw but she has never contributed to the state.

BIossomtoes · 14/05/2026 15:31

BananaPeels · 14/05/2026 15:26

1951 so was one the worst affected. I said ten years earlier as didn’t realise I had to give exact to the month years. Was just trying to give an idea of the difference- wasn’t trying to be explicit on a thread to reveal exact details.

If you look at this chart women born in 1953/54 were the worst affected.

https://assets.publishing.service.gov.uk/media/5a7f02e640f0b62305b84929/spa-timetable.pdf

https://assets.publishing.service.gov.uk/media/5a7f02e640f0b62305b84929/spa-timetable.pdf

BananaPeels · 14/05/2026 15:26

BIossomtoes · 14/05/2026 15:06

We’ve already established that your mum, if she was born in 1948 as you said earlier, got her state pension at 60. She got exactly what she spent her working life expecting. Maybe she wouldn’t be saying “That’s life” if the pension changes had affected her.

1951 so was one the worst affected. I said ten years earlier as didn’t realise I had to give exact to the month years. Was just trying to give an idea of the difference- wasn’t trying to be explicit on a thread to reveal exact details.

WhatAMarvelousTune · 14/05/2026 15:17

QueenOfHiraeth · 13/05/2026 23:23

I'm in that WASPI age range and would get a payout if they win but think this campaign is pure greed. The number of women who were genuinely impacted is small, the changes were widely publicised and I fail to see how anyone could have missed it. I saw an article from one woman complaining that she retired and only then found she couldn't get her state pension for years, that takes a special kind of wilful ignorance to retire without checking!

I'm also sick of the moaning about how hard we had things. Yes, some things were harder but some things are harder for young people now; every generation has its own challenges

Yes I sort of feel like someone like that, who does something so unbelievably dim as to retire without double checking the age, probably wouldn’t have noticed or paid attention to 50 letters and a personal visit from the chancellor at the time explaining the change.

godmum56 · 14/05/2026 15:13

To anyone who is fed up with WASPIS.
Don't start threads about them
Change the subject when its mentioned
Don't comment on threads about them
Avoid TV and media items about them

no don't thank me.

BIossomtoes · 14/05/2026 15:06

BananaPeels · 14/05/2026 14:21

Yes so only a few were affected. I don’t find th annoying at all. They have my sympathies but my mum and everyone I know of her generation made plans and sorted themselves out. My mum had about 3 jobs on the go when I was little and worked until retirement age. Her view was that’s life. I have been affected by government policies changes in terms of the tax and Ni I pay and so have paid out thousands more than someone 10 years older than me would have. My children have to pay massive tuition fees for uni rather than getting it for free. Everyone gets affected by changes in government policy. It’s annoying but the consequence of having a ridiculously large population for the size of country we have.

We’ve already established that your mum, if she was born in 1948 as you said earlier, got her state pension at 60. She got exactly what she spent her working life expecting. Maybe she wouldn’t be saying “That’s life” if the pension changes had affected her.

BernardButlersBra · 14/05/2026 14:46

They are still banging on about this?! I’m totally sick of them going on. If only they had put as much effort in at the time to pension provisions!

itswindyoutside · 14/05/2026 14:41

Agree with you OP. A 70 year old friend won't quit moaning about it.

She lives in a multi million pound house, has an occupational final salary pension of her own, several inheritances and the benefit of her husband's even better final salary pension. She's been drawing the state pension for a number of years.

I won't get mine for another 2 years at age 67 and I knew about the changes a long time ago. (Slightly younger than the Waspi women who only have themselves to blame if they took no interest in their own financial affairs).

sashh · 14/05/2026 14:36

crossedlines · 14/05/2026 12:02

Each generation could find things they feel are ‘unfair’! Is it fair that as a woman I got 12 weeks mat leave when if id been born a few years later, I’d have got 6 months? Or later again and I’d have got a year? And what about those of us who paid full childcare fees? We don’t get compensated just because now people get 30 hours a week free, funded by tax payers (and I’m still one!) I’m fully paid with NI contributions - but I still have to pay out because I still work. And what about my dh - is it fair that he had to go back to work the day after each of our babies were born, when now he’d get paid time off?

where there were clear, systemic injustices (such as women not earning the same as men for the same job) there is rightly legislation which addressed that. But the different challenges which face each generation are just part of life.

The WASPI women are being ridiculous. The thinly veiled excuse that they ‘didn’t know’ information which was widely publicised is disingenuous - the reality is that they just wanted to get state pension at 60. In many cases, they’d already had years out of the workplace, or were only working part time, often funded by husbands working full time who were never going to get their pension until 65 anyway! The irony!

and no, I don’t believe Mumsnet ‘hates women.’ The reality is that many of us don’t see women as helpless and incapable of working, taking financial responsibility or keeping ourselves informed about important issues.

It's not just about equal pay for the same job. That ignores the inferior education many women got.

I took O Levels, but some subjects were just not available to me. That means that when I did start work it was at a lower grade than a male who started at the same time.

That gap could last for life.

Working part time or staying home with children was not an easy choice, some have said how hard it was to return to work with a baby, what they have not said us that many employers had a policy of not employing mothers.

Yes technically that was illegal, but it still went on.

YouHaveAnArse · 14/05/2026 14:29

The average age of a first time buyer now is 34. So even with a standard 25 year mortgage, you wouldn't be done until you were 59, at which point you might have kids who want to go to university (given many are also delaying having children until they're no longer living with the precarity of renting), or older family you need to care for.

Carandache18 · 14/05/2026 14:29

I'm of that age (still working but late 60s).I knew from the beginning, my colleagues knew, during the following decades of working life people's retirement would be looked forward to, the subject would come up but I never heard of any woman looking forward to collecting a state pension at 60. I imagine any who did would have been immediately informed of their mistake.
I just can't see how any one of normal intelligence and with any sort of access to information from tv. radio. even if they couldn't read and had no colleagues or friends or family couldn't know.
I've heard there was a 'letter' sent, and some people didn't receive it. I am one of those people. I have no memory of any letter. But of course I knew.

the80sweregreat · 14/05/2026 14:23

PropertyD · 14/05/2026 14:21

One of my children has just got a mortgage. It has a 40 year term. This was unheard of when I applied for one.

Same here. My son is nearly 29 and will be much older than I am before his mortgage free ( 40 year mortgage)

BananaPeels · 14/05/2026 14:21

itsnotagameshow · 14/05/2026 14:10

If they were born before 1955, they would have been (at youngest) 19-20 when that Act was passed so may have been working, and things in reality didn't change that fast for women in terms of employment rights afterwards. I don't think it's helpful to downplay what women faced in the workplace until relatively recently, however irritating you find the WASPI women.

Yes so only a few were affected. I don’t find th annoying at all. They have my sympathies but my mum and everyone I know of her generation made plans and sorted themselves out. My mum had about 3 jobs on the go when I was little and worked until retirement age. Her view was that’s life. I have been affected by government policies changes in terms of the tax and Ni I pay and so have paid out thousands more than someone 10 years older than me would have. My children have to pay massive tuition fees for uni rather than getting it for free. Everyone gets affected by changes in government policy. It’s annoying but the consequence of having a ridiculously large population for the size of country we have.

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