To think that constantly increasing retirement age will just cause an increase in health related benefit claims?

My plan is to start tutoring but how many kids will really want to be tutored by someone the same age as their grandma!!

I gave up employed work at 60 (you could take your state pension then) went into consultancy and began my own business. I suspect this is a route which will be taken by more older workers who are no longer physically able to continue with employed work. People will alter their behaviour as the regulations change.

I now tutor post graduates and am in my 80s! Working with adults doing a masters or doctorate is very different than tutoring children. In strictly professional terms it can be a very intense and intimate relationship. However I do pick my students carefully and I prefer international.They are more respectful and more in need of my help. They are also more likely to be able to afford my fees.

Its still better for the government though - even if 80% of those over the previous pension age are claiming benefits because they can't work its cheaper than giving 100% of them the pension.

Capita have it & won't hand it out!!!

Four day working week might help so that there’s more opportunity to recover and the work that needs to be done is shared out over more people. But following any suggestion like that obviously the question is where does the money come from so everyone still has enough to live while working fewer hours. And the answer has to include stopping the constant net flow of money, power and property to the ultra rich few, enabling government to have actual power and purchasing capability again, with better democratic accountability, more exports, preventing mega corporations from taking ever increasing profits and putting smaller firms out of business… none of which is easy.

Pension schemes are a bit rubbish now compared to the past plus wage stagnation, housing costs & student loans means saving is tough.

As male life expectancy was also 70, few people claimed it for long.
It was lowered to 65 for men and women in 1926 and then lowered again just for women in 1940.
The reason for this was because men tended to marry younger women and thus they were more likely as a result to claim pensions at a similar time….

The alternative option will hopefully be young people taking their pension contributions seriously and funding their own retirement from their first salary payment rather than panicking in their 50's.

I have pretty much written off the State Pension, 68 for me but expect goal posts to change again.

I've paid into my work pension since 18 and then a separate private pension from around 40. Does mean I'm poorer than my peers who are driving brand new cars and have massive mortgages and homes bigger than they need etc but hopefully I'll be retiring by 60 at the latest.

I agree. Im a 50something primary school teacher.

I can't imagine doing it when I'm 68!

My plan is to start tutoring but how many kids will really want to be tutored by someone the same age as their grandma!!

My hubby has just finished working finally at 71 he has no health conditions. I’m 60 with a few chronic and disabling conditions. I have a small work based pension and can’t see me lasting more than a couple of years. I have no idea how I’m going to fund myself until 67

A man local to us owned a small workshop and carried on going into work into his late 90s
His son who was in his late 60s was yearning to retire and sell the business wasn’t able to

I’d quite happily keep working as long as I have good health, but who will
want me ? Where are all the jobs screaming out for people in their 50s, 60s and 70s?

Why do they not have money?

Paying in to a private pension has always been an option!

Yes, increasing the state pension age has increased the number of ill/disabled “workers”. A 64 year old is who is disabled is no longer in the pensioner category but now falls under workers.

But what happens to people when the state pension age is 72 and they are genuinely not able to work anymore when they are 70 but have no other money? Do we just let them end up on the streets and die? Or do they then just start claiming sick benefits? That is what this thread is about.

Of course it will, specifically those in more physically active roles where they have picked up injury’s, also illness probability increases with age

The State pension age is still far too low given the average life expectancy.
It should be, in actuarial terms, 70 or even 72.
The original age was 70 for both sexes when the State pension was established and, frankly, should never have been lowered.
Also, remember this is NOT the compulsory retirement age. There is nothing to prevent you retiring earlier. (or later) It is merely the age at which your State pension becomes payable.

I teach fitness classes and clean old people’s houses. I can’t retire till 68. I’m just going to keep going and hope for the best. I do know a lot of very fit people in their 60s and 70s so hopefully I’ll be one of them. If not, I’m a bit screwed. An office job is completely unsuitable for me, and me for it. I worked in an office for about 18 months 25 years ago. I doubt I could get a job in one.

What will happen is that people will be told to get a different kind of job at the end of their careers…

Because obviously there are just swathes of employers with more sedentary jobs just waiting to hand them out to people nearing retirement age…

The raising of the State Pension Age will cause some increase in claims for health benefits. As well as the health problems that individuals develop as a result of the type of job that they do as people get older the prevalence of some health conditions increases. There are also some people approaching SPA who having left work due to ill health find it very difficult to get back into the labour market once they have started to recover and who would have chosen not to claim a health benefit but do so as their income is so low.

This

Depends - my 88 year old father in law has been feeding cattle today! Only stopped going a 40 hour week once he hit 80. I actually think there’s a lot to be said for continuing to work.

Having said that, @5128gap nailed it. The ideal is working together and being flexible. It works so well in farming. fIL is also sitting with 14 year old DS whilst he’s rolling so keeping an eye and passing on wisdom at the same time. Read the same for me. I was taught to plough by the old ploughman in the village. He had a great job in his 70’s sitting with us YFC teaching us!

Yes.
On top of that it increases the benefit bill at the other end of the age spectrum too because people working into their late sixties and beyond means fewer job opportunities for younger people, and we know rates of youth unemployment are huge.
For those younger people not on benefits and being supported solely by their parents... that's another way for a squeezed generation to be burdened.
It's a nightmare.

And the other argument that sedentary jobs age you more anyway (yes, even if you exercise after work), so we shouldn't presume that either group will necessarily be healthy.
Obviously, once you're ill, it's easier to go back to a laptop job-which can possibly be done at home, making it much easier to deal with most illnesses/injuries (no travelling, more flexibility etc), but all jobs can be difficult.