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.

Why wouldn't they happen to the OP? We have insurance in case of all sorts of unlikely events because they WILL happen to someone, somewhere - and sometimes it will be YOU.

Indeed - it should, phonetically speaking, be spelled ‘soche’, shouldn’t it?

All the world has no problem with the EU, it is just the UK for some reason.

Well I was born in the 50s and I've never heard NI used in those terms. OP, I suggest you read about the start of the Welfare state and why it was created. You are not coming across well. No doubt, you don't care

I think there’s a lot that the OP doesn’t understand!

70, and I used to work for DHSS (Department of Health and Social Security) and I've never heard of it either.

Agree - in the UK people do not have private insurance to cover pretty much any of those things - it’s we why we have a ‘National Insurance’ scheme. Private insurance won’t send a fire engine or ambulance in the UK. First point of service in an emergency is always state provided/funded.

Don’t understand the thinking of many of the posts here.

I was talking about insurance in general - car insurance, boiler insurance, house insurance etc. My point was that we insure against things that are unlikely to happen even though we hope we'll never need to claim.

Why should you get a discount for not using state pension. Your not paying for your future one your paying into the current pension

I agree. I was matching the OP for nonsense-energy. Obviously nobody plans for bad shit to happen to them yet bad shit does happen. Will clarify in future!

The elderly are a huge cost of the NHS, you cant predict at 30 whether you'll need it at 80.
The same with state pension. If you end up in poor health early then funds will be eaten up and you would likely need state pension.
The alternative would be to leave non contributors to die because of their lack of foresight into future circumstances.

Lol, boomers.

Boomer - "non sensical opinion peddaled as sensible, reasonable idea"
Rest of the population- "your're talking out your arse"
Boomer - "wah wah wah wah nobody agrees with me, your all wrong" *tantrum throws self on floor flails arms and legs.

Even if you have have private health care
If you have a medical emergency you will be treated by the NHS .

If you have a heart attack you’re going to an nhs hospital.

You can't use the term boomer on here. They'll say you're ageist. But negative posts and generalisations about gen Z are much appreciated.

Ha ha fucking hilarious you are using a slang term for the social and spelling it wrong and getting on your high horse when no one else understands it. You couldn't make this stuff up.

Well that was possibly the most unenlightening thread I've ever read. I suppose learned what 'soch' means...to one person (and nobody else in the known universe). The main thing is it's a mad idea and will never happen. NEXT.

Everyone is an NHS user; ambulances and emergency services are not provided by private health companies, and doctors are trained within the NHS.
Why don't you go to live in the US if you want this every man for himself system?

Doesn’t seem to understand that, unlike the US, we don’t triage at the roadside nor do we have private ambulance services. 🤦🏽‍♀️

I really do wonder about the state of our education system when people are ignorant of how things work here.

ETA cross-posted with @venus7 but same thoughts!

What is "soch"? It's Welsh for "oink" but I'm guessing that's not what you mean.

You’re on a hiding to nothing asking that. OP thinks we all know what she means and are clairvoyant when it comes to her personal colloquialisms and strange phonetic spellings.

You're not paying for your SRP. You're paying for the current recipients.

You patronise people for not 'comprehending', then display the inability to spell.
It's different, not diffrent.
Are you Nigel Farage?

This.

What if someone opts out at 21 when they enter work, pays nothing for 10 years other than a few hundred in a private pension, maybe nothing thinking they will save for a house deposit first then save for pension, then they become disabled and unable to work.
Could we sit back and watch them die in poverty because they didn't pay in? Or do we give them benefits and a pension anyway? Do the latter and everyone will opt out and then claim when needed but there'll be no pot to pay them from.