Introduce a protected, self-funding Age 60 State Pension floor in the UK
The Issue
THE CITIZEN ENTITLEMENTS OVERHAUL: DISMANTLING THE WELFARE ILLUSION & SECURING THE AGE 60 PENSION FLOOR 🧮🇬🇧
For decades, the state has played a cynical accounting game with your hard-earned security. By intentionally lumping earned citizen entitlements into the same bloated welfare budget as temporary, means-tested safety nets, the establishment manufactures a false narrative of "unaffordability." They use this artificial total as an excuse to constantly move the retirement goalposts and squeeze older generations.
It’s time to stop the spin with a radical, data-driven restructuring of social security. This proposal demands a complete separation of the national ledger: stripping the State Pension (for those with 10+ years of contributions), New-Style ESA, and New-Style JSA completely out of the welfare budget and placing them into a protected, independent CITIZEN ENTITLEMENTS BUDGET.
THE TIERED CONTRIBUTION BLUEPRINT: REWARDING SERVICE FROM AGE 60
A civilised society must recognise that a physical labourer, an animal care worker, or a full-time caregiver might not hit the exact same number of corporate payroll years, but their contribution to society is immense. Here is how we structure the tiers fairly to ensure no one is left behind:
* UNDER 10 QUALIFYING YEARS (THE BASIC SAFETY NET): Anyone who reaches age 60 with fewer than 10 years of contributions does not enter the statutory pension framework. Instead, they receive a lower baseline over-60 Universal Credit (UC) support payment (equal to the current UC over-25s base rate) to protect them from destitution. This delivery is processed through the standard welfare safety net and is explicitly NOT termed a pension.
* 10 TO 19 QUALIFYING YEARS (THE GROUND FLOOR): The absolute baseline pension tier is locked directly to the current full New State Pension rate of £241.30 per week. This means that even a basic 10-year record guarantees a retirement income equal to what the state currently considers a "full" payout.
* 20 TO 29 QUALIFYING YEARS (TIER 2 STEP-UP): Individuals within this bracket receive an earned step-up bonus, bringing their weekly baseline up to a more resilient level of £340.00 per week to reflect two decades of service.
* 30 TO 39 QUALIFYING YEARS (THE FULL-SERVICE FLOOR): Reaching this milestone unlocks our standard full-time blueprint of £444.85 per week. This is calculated accurately against a standard, full-time 35-hour workweek at the current £12.71 National Living Wage.
* 40+ QUALIFYING YEARS (THE LIFELONG SERVICE BONUS): For those citizens who have continuous, lifelong records spanning four decades or more, a heavy service bonus is applied on top of the baseline, pushing their payout toward £500+ per week to formally honour a lifetime of building the country.
REENGINEERING THE RULES: TAX PROTECTION & HONEST CREDITS
To kill the welfare stigma permanently, we must ensure that entitlements are treated as an unassailable right, while closing loopholes that allow the system to be manipulated.
PAID PER INDIVIDUAL—NO COUPLES RATES: The framework treats every single citizen as an independent economic unit. There are absolutely no "couples rates" or joint claims. Every individual receives their specific pension payout based entirely on their own unique qualifying record, ensuring complete financial independence in retirement and preventing administrative penalties based on relationship status.
THE £3,000 TAX SHIELD: To ensure the state never claws back survival-level funds, the personal income tax allowance will be dynamically raised to sit exactly £3,000 above an individual's specific State Pension tier payment. Your baseline retirement income remains entirely tax-free.
NO CONTRIBUTIONS FROM UNIVERSAL CREDIT: Standard Universal Credit claims will no longer grant automatic, unearned National Insurance contribution credits. This prevents the system from artificially padding records without a visible societal or economic contribution.
HONOURING PARENTAL LABOUR: To protect parents who step away from corporate payrolls to raise the next generation, Child Benefit will award full, automatic NI contribution credits up to a strict maximum of 20 years.
PROTECTING DISABILITY SECURITY: Citizens navigating severe, long-term health barriers or disabilities will be completely insulated. Holding an active claim for Personal Independence Payment (PIP), Adult Disability Payment (ADP) or Carer's Allowance/Carer's Element of UC, will automatically grant full, continuous NI contributions to secure their retirement floor.
THE FINANCIAL LEDGER: CALCULATIONS FOR COST AND INCOME
To prove this framework is built on sustainable reality rather than ideological wishful thinking, we must look at the hard, line-by-line macroeconomic math. Here is the independent balance sheet for the newly established Citizen Entitlements Budget.
THE TOTAL GROSS EXPENDITURE (THE COST)
THE BASELINE PENSION LOAD: Lowering the entry floor to age 60 brings an additional 4.1 million citizens in the 60–65 demographic into the framework alongside the existing 12.6 million pensioners over 66, bringing the total eligible cohort to 16.7 million people.
THE TIERED COST BREAKDOWN: Based on historical NI record distributions, the average weekly payout across the weighted tiers (spanning from the £241.30 ground floor to the £500+ lifelong service bonus) averages out to £378.50 per citizen.
THE YEARLY PENSION MULTIPLIER: Multiplying 16.7 million citizens by an average of £378.50 per week over 52 weeks results in a total annual pension cost of £328.7 billion.
THE TOTAL COST: Adding the operational absorption of New-Style ESA and New-Style JSA (which combined require a stable baseline of £8.5 billion annually), the total gross annual expenditure required for the Citizen Entitlements Budget comes to £337.2 billion.
THE RINGFENCED INCOME STREAMS (THE REVENUE)
THE UNIVERSAL NI EXPANSION (+£42.0 billion): Current standard National Insurance receipts pull in roughly £168.0 billion annually. By completely eliminating the Upper Earnings Limit (ensuring high-earning professionals continue paying a full, proportional rate rather than dropping down to 2%) and mandating that high-earners working past 60 continue contributing, we generate an additional £42.0 billion. This raises total NI revenue to £210.0 billion annually.
THE PROGRESSIVE WEALTH TAX - 1% OVER £10 MILLION (+£31.0 billion): The total accumulated personal wealth held by the UK's richest multi-millionaires with personal non-pension net assets exceeding £10 million is valued at roughly £3.1 trillion. Applying a 1% annual marginal levy on wealth exceeding that £10 million floor yields £31.0 billion annually.
THE STEP-UP WEALTH TAX - 2% OVER £100 MILLION (+£36.0 billion): For ultra-high-net-worth individuals holding concentrated assets over £100 million, the marginal rate steps up to 2%. This specific tier covers roughly £1.8 trillion of hyper-concentrated assets, generating an additional £36.0 billion annually.
THE BILLIONAIRE SERVICE LEVY - 4.5% OVER £1 BILLION (+£35.5 billion): The combined wealth of the billionaire class stands at approximately £790.0 billion. Implementing a strict 4.5% annual capital levy on fortunes above the £1 billion threshold brings in £35.5 billion annually.
THE CORPORATE SUBSIDY CLAWBACK (+£25.0 billion): By reforming corporate tax structures—specifically forcing low-wage employers who use part-time contracts to pay an infrastructure levy that matches the state top-ups their staff require—we secure an additional £25.0 billion annually.
THE MACROECONOMIC NET BALANCE
Total Gross Expenditure: -£337.2 billion
Total Ringfenced Revenue: +£337.5 billion
Net Annual Surplus: +£300 million (100% of this revenue is legally ringfenced—the Treasury is completely barred from raiding this pot for general expenditure).
Sign this petition to show the government that a secure, self-funding retirement age of 60 isn't just an aspiration—it is mathematically viable, fully costed, and urgently necessary for the dignity of our workforce.
130
The Issue
THE CITIZEN ENTITLEMENTS OVERHAUL: DISMANTLING THE WELFARE ILLUSION & SECURING THE AGE 60 PENSION FLOOR 🧮🇬🇧
For decades, the state has played a cynical accounting game with your hard-earned security. By intentionally lumping earned citizen entitlements into the same bloated welfare budget as temporary, means-tested safety nets, the establishment manufactures a false narrative of "unaffordability." They use this artificial total as an excuse to constantly move the retirement goalposts and squeeze older generations.
It’s time to stop the spin with a radical, data-driven restructuring of social security. This proposal demands a complete separation of the national ledger: stripping the State Pension (for those with 10+ years of contributions), New-Style ESA, and New-Style JSA completely out of the welfare budget and placing them into a protected, independent CITIZEN ENTITLEMENTS BUDGET.
THE TIERED CONTRIBUTION BLUEPRINT: REWARDING SERVICE FROM AGE 60
A civilised society must recognise that a physical labourer, an animal care worker, or a full-time caregiver might not hit the exact same number of corporate payroll years, but their contribution to society is immense. Here is how we structure the tiers fairly to ensure no one is left behind:
* UNDER 10 QUALIFYING YEARS (THE BASIC SAFETY NET): Anyone who reaches age 60 with fewer than 10 years of contributions does not enter the statutory pension framework. Instead, they receive a lower baseline over-60 Universal Credit (UC) support payment (equal to the current UC over-25s base rate) to protect them from destitution. This delivery is processed through the standard welfare safety net and is explicitly NOT termed a pension.
* 10 TO 19 QUALIFYING YEARS (THE GROUND FLOOR): The absolute baseline pension tier is locked directly to the current full New State Pension rate of £241.30 per week. This means that even a basic 10-year record guarantees a retirement income equal to what the state currently considers a "full" payout.
* 20 TO 29 QUALIFYING YEARS (TIER 2 STEP-UP): Individuals within this bracket receive an earned step-up bonus, bringing their weekly baseline up to a more resilient level of £340.00 per week to reflect two decades of service.
* 30 TO 39 QUALIFYING YEARS (THE FULL-SERVICE FLOOR): Reaching this milestone unlocks our standard full-time blueprint of £444.85 per week. This is calculated accurately against a standard, full-time 35-hour workweek at the current £12.71 National Living Wage.
* 40+ QUALIFYING YEARS (THE LIFELONG SERVICE BONUS): For those citizens who have continuous, lifelong records spanning four decades or more, a heavy service bonus is applied on top of the baseline, pushing their payout toward £500+ per week to formally honour a lifetime of building the country.
REENGINEERING THE RULES: TAX PROTECTION & HONEST CREDITS
To kill the welfare stigma permanently, we must ensure that entitlements are treated as an unassailable right, while closing loopholes that allow the system to be manipulated.
PAID PER INDIVIDUAL—NO COUPLES RATES: The framework treats every single citizen as an independent economic unit. There are absolutely no "couples rates" or joint claims. Every individual receives their specific pension payout based entirely on their own unique qualifying record, ensuring complete financial independence in retirement and preventing administrative penalties based on relationship status.
THE £3,000 TAX SHIELD: To ensure the state never claws back survival-level funds, the personal income tax allowance will be dynamically raised to sit exactly £3,000 above an individual's specific State Pension tier payment. Your baseline retirement income remains entirely tax-free.
NO CONTRIBUTIONS FROM UNIVERSAL CREDIT: Standard Universal Credit claims will no longer grant automatic, unearned National Insurance contribution credits. This prevents the system from artificially padding records without a visible societal or economic contribution.
HONOURING PARENTAL LABOUR: To protect parents who step away from corporate payrolls to raise the next generation, Child Benefit will award full, automatic NI contribution credits up to a strict maximum of 20 years.
PROTECTING DISABILITY SECURITY: Citizens navigating severe, long-term health barriers or disabilities will be completely insulated. Holding an active claim for Personal Independence Payment (PIP), Adult Disability Payment (ADP) or Carer's Allowance/Carer's Element of UC, will automatically grant full, continuous NI contributions to secure their retirement floor.
THE FINANCIAL LEDGER: CALCULATIONS FOR COST AND INCOME
To prove this framework is built on sustainable reality rather than ideological wishful thinking, we must look at the hard, line-by-line macroeconomic math. Here is the independent balance sheet for the newly established Citizen Entitlements Budget.
THE TOTAL GROSS EXPENDITURE (THE COST)
THE BASELINE PENSION LOAD: Lowering the entry floor to age 60 brings an additional 4.1 million citizens in the 60–65 demographic into the framework alongside the existing 12.6 million pensioners over 66, bringing the total eligible cohort to 16.7 million people.
THE TIERED COST BREAKDOWN: Based on historical NI record distributions, the average weekly payout across the weighted tiers (spanning from the £241.30 ground floor to the £500+ lifelong service bonus) averages out to £378.50 per citizen.
THE YEARLY PENSION MULTIPLIER: Multiplying 16.7 million citizens by an average of £378.50 per week over 52 weeks results in a total annual pension cost of £328.7 billion.
THE TOTAL COST: Adding the operational absorption of New-Style ESA and New-Style JSA (which combined require a stable baseline of £8.5 billion annually), the total gross annual expenditure required for the Citizen Entitlements Budget comes to £337.2 billion.
THE RINGFENCED INCOME STREAMS (THE REVENUE)
THE UNIVERSAL NI EXPANSION (+£42.0 billion): Current standard National Insurance receipts pull in roughly £168.0 billion annually. By completely eliminating the Upper Earnings Limit (ensuring high-earning professionals continue paying a full, proportional rate rather than dropping down to 2%) and mandating that high-earners working past 60 continue contributing, we generate an additional £42.0 billion. This raises total NI revenue to £210.0 billion annually.
THE PROGRESSIVE WEALTH TAX - 1% OVER £10 MILLION (+£31.0 billion): The total accumulated personal wealth held by the UK's richest multi-millionaires with personal non-pension net assets exceeding £10 million is valued at roughly £3.1 trillion. Applying a 1% annual marginal levy on wealth exceeding that £10 million floor yields £31.0 billion annually.
THE STEP-UP WEALTH TAX - 2% OVER £100 MILLION (+£36.0 billion): For ultra-high-net-worth individuals holding concentrated assets over £100 million, the marginal rate steps up to 2%. This specific tier covers roughly £1.8 trillion of hyper-concentrated assets, generating an additional £36.0 billion annually.
THE BILLIONAIRE SERVICE LEVY - 4.5% OVER £1 BILLION (+£35.5 billion): The combined wealth of the billionaire class stands at approximately £790.0 billion. Implementing a strict 4.5% annual capital levy on fortunes above the £1 billion threshold brings in £35.5 billion annually.
THE CORPORATE SUBSIDY CLAWBACK (+£25.0 billion): By reforming corporate tax structures—specifically forcing low-wage employers who use part-time contracts to pay an infrastructure levy that matches the state top-ups their staff require—we secure an additional £25.0 billion annually.
THE MACROECONOMIC NET BALANCE
Total Gross Expenditure: -£337.2 billion
Total Ringfenced Revenue: +£337.5 billion
Net Annual Surplus: +£300 million (100% of this revenue is legally ringfenced—the Treasury is completely barred from raiding this pot for general expenditure).
Sign this petition to show the government that a secure, self-funding retirement age of 60 isn't just an aspiration—it is mathematically viable, fully costed, and urgently necessary for the dignity of our workforce.
The Decision Makers
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Petition created on 16 July 2026