The issue about whether people are going to be able to work up to retirement age is a good question. More and more people I know are facing redundancy due to what they believe to be age related factors and what is known as ' runway' ie length of time up to retirement. I know people of 53 -57 who have no job due to redundancy likely to be based on age discrimination rather than capability factors, and no prospect of getting one so they have no choice but to claim JS whilst they continue to search. Final salary pensions sound great but not if you spend your last 10 years of so called working life not being able to get reasonable work.

Its an interesting debate I think and one which needs to be discussed and addressed as it will affect most of us at some point.