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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

Gutted about NI rise

999 replies

CarryOnNurse20 · 07/09/2021 10:46

I know we need it and we have so much money to pay off. But we have been scrimping and saving after a hard couple of years. Every penny is accounted for from pay day to pay day. I’m a nurse and my pay has been capped/below inflation my whole career. And now the NI rise means any savings etc we have made will now be gone. I’m gutted.

OP posts:
sussexman · 07/09/2021 18:14

@BungleandGeorge

"That’s not actually the case. Cost of medical care is funded whether you have dementia or cancer or Parkinson’s. cost of social care is not. For any of them"

I think you've misread the point you are replying to. The point is medical care is available to all free because we see that as a social good. Social care is not* provided in the same way despite it being something that anybody might need at any time. We don't see social care as a public good in the same way as we do health care.

*free - i.e at point of delivery paid for by tax.

weresouth · 07/09/2021 18:14

I would not like to see higher immigration you know that's like a pyramid scheme where you need more and more people to support the elderly.
We need less people in this country not more.

It is a pyramid scheme but that's what it is. how do we support those that are elderly?
Who pays their pensions & social care?

"In 50 years there are projected to be an additional 8.6 million people aged 65 years and over – a population roughly equivalent to the size of London "

" By 2030, one in five people in the UK (21.8%) will be aged 65 or over, 6.8% will be aged 75+ and 3.2% will be aged 85+"

lllllllllll · 07/09/2021 18:14

But degrees are now prerequisite for many jobs

Yes, another thing that’s wrong with the world.

weresouth · 07/09/2021 18:15

Lots of PPs saying it's unfair on younger working people. But actually it will help those who inherit as they are talking cap on care fees, so younger generations WiLL benefit if their parents own properties !| it will start to help NhS and social care, hopefully. Covid caused massive national debt it has to be paid for somehow

But what about those whose parents don't have an inheritance to leave them or a very cheap home?

Onlinedilema · 07/09/2021 18:15

Dontwantausername dh and I have just had that same convetsation. Both our elderly parents have said they would rather die then live for years in a care home.
You would not keep a dog alive is my mum's reasoning.

weresouth · 07/09/2021 18:16

Yes, another thing that’s wrong with the world.

I don't disagree but that won't change until employers change their requirements.

FatCatThinCat · 07/09/2021 18:16

There is more than enough wealth in the UK to pay for social care 100 x over. But so long as the ones sitting on that wealth are the ones making the rules, it'll be the poorest who'll be squeezed the hardest.

Feelingoktoday · 07/09/2021 18:16

I agree. I do not want to sound time in a care home. I would rather die peacefully before that.

Babyroobs · 07/09/2021 18:17

@moohoop

It'll cost our household nearly £100 a month - on paper we earn reasonably well but in reality we pay everything out on mortgage etc.

That's the kid's club money gone 😡

It's a lot isn't it. Just worked ours but and it's about £50 between me and dh, we are not on great salaries and never will be.
Onlinedilema · 07/09/2021 18:18

Also why is it not a percentage of the value of what you own?
This capping will hit the poorest hard working yet again.
If you own 10 properties It will hardly hurt you.

Pottedpalm · 07/09/2021 18:18

@Realyorkshiretea

Meanwhile, hatred is gleefully piled on the heads of the old and the disabled.

Because it’s overwhelmingly the elderly that vote for the Tories. How many times?? They’re not blameless onlookers merely taking what they’re offered. They’re watching our quality of life go down the shitter while feathering their already healthy assets. Add in the fact we have stayed at home for over a year and crashed the economy and our mental health to protect them, and what do you expect? We should be jumping at the chance to stump up yet more money for them?

What a thoroughly nasty, ageist comment. Everyone stayed at home to protect the nhs.
littlebilliie · 07/09/2021 18:19

@BungleandGeorge

"Why is the cap fair? So that family members can inherit the assets essentially?*"
*
Is it fair those who have spent everything as they have gone through life have to pay nothing. There will be people in the same home where they are paying nothing yet the next room are paying £1300 per week.

weresouth · 07/09/2021 18:19

Also why is it not a percentage of the value of what you own?

It should be

PugMumm · 07/09/2021 18:19

I can't bare to think about it.

bunnybuggs · 07/09/2021 18:20

Some benefits are taxable, but others are not. Tax credits are not taxable income and neither is universal credit.
The only 'benefit' I know is taxed is the state pension.
So there is no income tax/NI on tax credits and Universal credit only on the bit the person earns through working.
If someone on a state pension and a small annuity is over the tax threshold - they pay income tax

If someone on a state pension and works part time and this brings them over the tax threshold they pay income tax and will have to pay NI if the amount they earn (not including the state or private pension) takes them over the NI threshold

Imagine an MP over 67 who has the state pension and is entitled to other pensions. One would hope that they will have to pay NI on their income as an MP - correct me if that is incorrect.

gingercatsparky · 07/09/2021 18:20

@thecatsthecats

Possibly an unpopular opinion, but I think it bizarre that older people expect to hang onto their homes as well as take up a new home in a social care setting.

I will only need one home when I'm older, and care also. Having an asset I can sell to fund that is perfectly logical. Sad, but then so is lots of stuff associated with aging. You're entitled to be sad, but expecting to pass on thousands and have your care funded is taking the piss.

Bring on euthanasia. I want the freedom to die, and to live well before that.

(caveat, yes yes, lots of different circumstances etc)

I agree with this. Why should others pay for people to hold on to their homes so they can be passed on? I think it's sad too but one of those things. It may also discourage people from bothering to save and pay into pensions now as they will just rely on the state to pay.
weresouth · 07/09/2021 18:21

Is it fair those who have spent everything as they have gone through life have to pay nothing. There will be people in the same home where they are paying nothing yet the next room are paying £1300 per week.

What do you mean spent everything? Should those on lower wages & renting not eat because they need to save for their care?

littlebilliie · 07/09/2021 18:21

@Onlinedilema

All care household be reclaimed by the state. It absolutely does not cost £1000 per week to provide the care most elderly people receive , it doesn't. Profit making private care homes should be banquished.
So abolish the lovely care homes and strip away the homes that people have lived in for years? Are you advocating a Workhouse scenario - how Victorian of you
littlebilliie · 07/09/2021 18:23

There are many uncomfortable truths regarding care for the elderly. @weresouth we are talking about fairness here, at the moment everyone has access, those who have saved give up everything in fees save £23250

sussexman · 07/09/2021 18:24

@Onlinedilema

All care household be reclaimed by the state. It absolutely does not cost £1000 per week to provide the care most elderly people receive , it doesn't. Profit making private care homes should be banquished.
How much do you think it would cost the state to provide this? Room only rent for places near me (Sussex) are at least £100 pw excluding bills, food, caregivers wages, common room rent and facilities and so on. You might well be able to provide at less than the figure you quote, but I doubt it would be significantly less.
BrozTito · 07/09/2021 18:25

And you are all doing it again, so il say it again. People arnt complaining about more tax, but the tax type

Onlinedilema · 07/09/2021 18:25

I will say it again.
I do not acceptably sort of tax rise.
This government has wasted money and is still doing so.

littlebilliie · 07/09/2021 18:26

We need to go down the Japanese route everyone over 40 pays an additional 10% tax to fund social care

weresouth · 07/09/2021 18:28

@littlebilliie what do you think savings should be for though although I agree care costs are too high? And the current system doesn't include the house value if you have care in the home which is the majority.

I think you need to stop reading the daily mail. In reality how many people do you think live a life of economic activity because they are lazy & want free care. Many of those people will likely die young. Why would someone chose to rent & likely pay more than a mortgage because they just want to spend money.

BrozTito · 07/09/2021 18:28

Are you advocating private workhouses, littlebillie?