To think we shouldn’t have to contribute to soch if we don’t intend to use it?

[slozenger]

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.

The word soch is simply a word the OP has made up. It isn't even in the urban dictionary. It certainly isn't part of anyone's vocabulary.

The OP is on the wind up.

Girl... you can't spell. You have bigger problems.

I think it is quite blinkered to think in this way. You could argue you want ‘reduced’ contribution as you don’t need nhs etc. However, have you ever used NHS services? Say when you were born? Child vaccinations? Did you go to state school? It may be you have no use to this now, but you will likely have benefited in the past.

You are paying not just for yourself, but for others less fortunate/able to. This is how the system works. I realy don’t understand the selfishness of what you are proposing?

It doesn’t even make sense. Pench was clearly rooted in a mispronunciation of pension (Penchon - shortened to pench)

Assuming the word was “social” was the OP pronouncing it “so- child”? If so this would be bizarre. Surely it would be something like “soash”?

It’s just a stupid troll thread.

But you might use the NHS one day. For example, if you needed to go to A & E. Private hospitals don't have A & E departments.

The ramblings of a 13yr old who got locked out of Roblox when parental controls kicked in, got bored of playing with his ding-a-ling and decided to come here for revenge on his "boomer" parents?

No it isn’t. I can guess roughly what you mean but I have never heard of soch. There’s a social contract in this country and some policies that ensure minimum standards for everyone. It might suit you better to live somewhere where there’s no such thing as society and everyone just looks out for themselves.

There is no such thing as a 'non NHS user"

None of us are contributing to current state pensions BECAUSE we might one day draw from one. We are doing it because that is how our society is set up. If you want to live and work here you are expected to do the same. Feel free to emigrate though, of course.

Ah, thanks, I thought it was another one of those things from before my time in the UK.

Hahaha

Errrr no! What is it?????

Are you planning on never using an ambulance? A&E? Can you explain how? I’d love to know.

If OP earns above £50 270 per year, OP will already pay less NI on any earnings above that. There's her discount.

The maths wouldn't work. High earners pay for NHS but rarely use it etc. The only way (which is inevitable due to changing demographics) is that the NHS will have to completely overhaul to a quasi private system and the state pension won't exist for much longer. All for the best IMO.

I see you don't know how taxes work

Could you absolutely guarantee you would never ever use the NHS including the ambulances and paramedics if you had an accident or had a heart attack in the street? Private health care does not have A&E facilities as far as I am aware. Would you expect NHS responders to just leave you on the floor waiting for the private guys to arrive when time may be of the essense?

You get a huge discount already. It’s otherwise known as tax relief on your pension contributions, and depending on how much tax you pay, you receive this at 20, 40 or 45 percent.

I didn’t know what SOCH was either but looking at your explanation I see it’s something to do with TITS so I’m not really bothered now .. 55.. saggy ones that have fed a few children

Your national insurance contributions aren’t funding your state pension, they are funding future generations.

Firstly, you are never a "non-NHS" user, even if you have a private insurance. I can't be asked to explain, but anyone with even a tiny brain cell would understand it.

Secondly, you can never in the 1000 years guarantee you will not need state pension. You dont have a crystal ball and have no idea what is awaiting you in the future.

The problem with your opting out of NHS services would come if you needed an emergency ambulance-in a car crash, for example. Private is fine for planned procedures, consultations etc. You would be in deep trouble if you had a heart attack in a public place. A private ambulance in the UK, in such a scenario?

Good luck finding a private A&E.

Wouldn't it be great if we could each choose how our taxes are spent, like those tokens you get at Tesco's to pop into your preferred charity box 😂

Than who?