Rosemary Bennett, Social Affairs Correspondent
Download 'Too Hot', an exclusive Specials track from iTunes

People will be forced to work until they are aged 70 if the basic state pension is to survive into the next century, according to the Government's pensions supremo.
Lord Turner of Ecchinswell, the architect of radical reforms in which the retirement age will rise to 68 by 2046, said that with no limit in sight for life expectancy, people are going to have to work even longer than he proposed.
In an interview with The Times marking the 100th anniversary of the creation of the state pension on August 1, 1908, Lord Turner predicted that a future government would reopen the question of raising the state pension age soon after it reaches 68.
“This is not the end of the story. If the value of the pension is to be protected the retirement age will have to rise again. I would be amazed if around 2055 the government of the day were not taking the retirement age higher and we'll be at 70 by the end of the century,” he said.
“There appears to be no upper limit on life expectancy so you are not taking retirement away from people by raising the age they stop work. People are still going to be having longer retirements despite the changes.”
He noted that when the pension was first introduced by David Lloyd George, it was paid only to those aged 70 or over, the age that he believes it will eventually be.
Experts believe that Lord Turner's recommendation to raise the retirement age to 68 — to pay for the restoration of the link to earnings — saved the pension, which was in danger of withering away as its relative value plummeted.
The Government has adopted his proposals, and the retirement age will rise to 66 in 2024, then 67 in 2034 and to 68 by 2046.
Ministers also adopted his proposal to set up a low-cost national private savings scheme to which employers must contribute. Although it is not compulsory for employees to join, it uses “the lever of inertia” by requiring them to opt out if they do not want to be members.
Last night campaigners responded angrily to his suggestion that the retirement age should keep rising.
“After a period of working of 40 or 45 years, society should endow on people a period of retirement of not just two or three years,” said Neil Duncan-Jordan, spokesman for the National Pensioners Campaign, the independent lobby group.
“If the retirement age is raised to 70 for some groups of people, especially low-paid manual workers, life expectancy is not much beyond 70 or 75. Five years is not exactly the ‘lifetime in retirement' people have been promised.”
Mervyn Kohler, head of public affairs at Help the Aged, said that ministers needed to show flexibility.
“I entirely buy the principle that links the state pension age with life expectancy, so people spend roughly the same amount of time working and in retirement. But I do not believe they should be set in concrete and future governments bound by it.
“If some experts are correct, growing rates of obesity and other health problems could lead to declining life expectancy, so the pension age should actually come down in those circumstances,” he said.
Chris Grayling, the Shadow Work and Pensions Secretary, did not oppose Lord Turner's view. “More and more governments are going to see retirement as a process and not a single date. Consequently, a single retirement age won't be as much of the future as of the past,” he said.
A spokesman for the Department for Work and Pensions said: “Under the Pensions Act 2007 we will increase the state pension age gradually to 68 by 2046. We have no plans to increase this further at present.”
Lord Turner, who will shortly take up the reins at the Financial Services Authority and has served as Director-General of the CBI, also had harsh words for ministers who have failed to grasp the nettle of public sector pensions.
Anyone working for central or local government, the NHS, the police, the fire service and the associated regulators is still entitled to a generous final salary pension and most can retire at 60. Taxpayers are paying £21billion a year to fund these pensions.
Win a luxury weekend to Newcastle and its neighbour Gateshead, find out more here
Risk, resilience and embracing new technology
Industry sectors news at a glance. Interactive heatmap, video and podcast
Discover the power of collective thinking. Submit a solution and be in with a chance to win a Media Hub Home Entertainment System
The inside track on current trends in the charity, not for profit and social enterprise sectors
Everything the Business Traveller needs to know to make a better trip
Make the most of the summer and enter our fabulous photographic competition, you could win a £5000 holiday
Corsica is an island of beauty and contrast, an ideal holiday destination
Enjoy further reading from Travel to Fashion, Business to Sport, discover more
The clever way to lease a new car is with Car leasing made simple™
2009
per month on 36-month
Personal Contract Hire (PCH)
2008
42850
Car Insurance
£24,250 - £30,346
MI5
London
£60,000
The Environment Agency
Bristol
Up to £90K
Boots
Midlands
OTE £85k
Credit Protection Association
Nationwide Opportunities
Completely London
Luxury Condo's in Manhattan with NYC views
The best new homes in Wimbledon?
Nationwide
Fabulous Cruise And Cruise & Stay Offers Including Virgin Atlantic Flights Prices Start From Only £699pp!
Last Minute Cruise And Cruise & Stay Offers. Med From £499pp, Caribbean From £699pp!
5 star quality at a 3 star price.
8 fabulous Canadian cities ...you won’t find cheaper
Contact our advertising team for advertising and sponsorship in Times Online, The Times and The Sunday Times, or place your advertisement.
Times Online Services: Dating | Jobs | Property Search | Used Cars | Holidays | Births, Marriages, Deaths | Subscriptions | E-paper
News International associated websites: Globrix Property Search | Property Finder | Milkround
Copyright 2009 Times Newspapers Ltd.
This service is provided on Times Newspapers' standard Terms and Conditions. Please read our Privacy Policy.To inquire about a licence to reproduce material from Times Online, The Times or The Sunday Times, click here.This website is published by a member of the News International Group. News International Limited, 1 Virginia St, London E98 1XY, is the holding company for the News International group and is registered in England No 81701. VAT number GB 243 8054 69.
Well, stop the immigration, it will be the best. Due to ageing of the society, you'll have to increase the limit up to 80 or 85, because it will be no new workers to pay the taxes :]
Artur, Nottingham,
Michael Jeremy Cawood, Wrexham, Wales, UK
We already are Michael. I used to be able to retire at 60 now I have to work until I'm 65.
judy, Liverpool, England
Another 5 years of tax and national insurance contributions but will it improve yr state pension.
You bet not, but it will make Gordon Brown a little happier since he has all these final salary state sector employees pensions to meet.
Yes the extra million public service employees post 1997
WHutchison, glasgow, scotland
That's OK to work untill age 70 providing the government stops paying incapacity benefits to scroungers.
Derek Hanney, Trowbridge, Wilts
Working to 70 is perfectly fine for some people who have good health and are not in a physically demanding job. But for those who are, they might start to feel some loss of self esteem if there younger colleague's have to share there work load has well own.
Clive, Dartford, Kent
I worked in the North Sea for many many years, I broke many bones , gashes and stitches over my body, now retired full of pain in all my joints.Not even enjoying a retirement due to this. I retired at 63 because my body could not take anymore abuse by the tough environment. 70,? no way. cant do it.
Captain Kong, Liverpool, England
Just like in France! Between 13 & 26, I did undeclared, P/T, and temporary jobs, which don't give credit for the basic state pension. Then 5 and a half years in a sweatshop (no company pension scheme & salary too low to contribute to1 myself). I need 42 years in F/ T work to claim full state pension
LN, Bristol,
Many older people would like to carry on working, but are denied promotion due to age or are edged out to make way for younger employees.
The only positive result is an increased number of volunteers for charities.
Society & employers must change attitudes if jobs at 65+ are to be realised.
Martin , Exeter, UK
Well, I'm 57 and I'm going at 60. All my friends seem to be doing the same thing. I'm going to have 35 years of fun!
ben foster, wokingham,
Alistair, get a grip of your self mate? How long do you think your going to live?
How long do you think you'll have to enjoy your retirement in good health?
Work all your life, paying off the governments national deficit so you can sit in your garden at 70 and do nothing?
Wake up son!
Andy, North, England
I previously thought Brown's policy roadmap was 1984 but he seems to have taken his economic policy from Blackadder - "Seen it, pinched it, spent it".
Blackadder got out of debt by having Percy 'satisfy' the Bishop of Bath & Wells - Maybe we could do the same with Gordo?
Matt, Epping, England
Just as a matter of interest, when does Lord Turner intend to start work?
Robert, Hull, UK
How about creating a level playing field and making public secor workers retire later as well - and on the same pensions as the rest of us.
Michael Jeremy Cawood, Wrexham, Wales, UK
Why does the old music hall song come to mind? "It's the rich what gets the pleasure, it's the poor what gets the blame."
Kevin Straw, Leicester,
An article last week said today's children would die 11 years younger than their parents. This is good news - less longer living old age pensioners to support in 50 years time, so the retirement age can come down again and/or the value of the old age pension go up, as less old people to claim.
Dave, Newry, Co. Down, Northern Ireland
It is difficult for over 50 -yr olds to keep a job or find one, how on earth are they supposed to work until they are 70? Nearly 70-years scrambling around on scaffolding building houses, laying roads or hauling patients in and out of hospital beds? This is just short cut to lowering pensions.
j.Pr´´evost, Ratingen, Germany
Once again the myth that public sector pensions are "generous" is trotted out. Most public sector pensions pay 1/80th for each year of service while private sector final salary pensions usually pay 1/60th. Also many public sector workers are paid far less than in comparable private sector jobs.
Jeremy, Lincolnshire, UK
There you go! that stupid fool Brown has robbed our pensions of over £100billion and so we all have to work an extra five years. Just so he could stand at the dispatch box and crow about economic growth. That growth was built on unsupported debt and now look at the mess he created!
Well done! NOT
D Case, Newquay,
I work in the public sector and am 35yrs old. I think the retirement age for public sector employees should increase and I'd be happy to work to 70. Our generous pension is going to cause alot of financial problems and either we pay alot more or retirement age has to increase - now.
Alistair, London,
I have no doubt that statistics (in our World) can be made to fit the cause requried ... especially when money and Government is concerned.
However, the samples used are too narrow, too confined to be of any use.
Leave things as they are. Let people enjoy their declining years as they wish.
Phil Austin, RAUNDS, Albion
And just how many people will be fit enough to do anything much at the age of 70 -longer lives or not?
Jim, Peterborough,
The thing is that whatever the current HMG says any attempt to raise the retirement age is just a cynical attempt to extend the tax paying expectancy of the population. They have run out of ideas.
How about 'doing less' for the people (ie: personal resopsibility) as a way of reducing costs?
Phil Austin, RAUNDS, Albion