@raphaeldogg When I joined the shop floor there weren't such things as private pensions. When introduced in the 80s they were perks for senior management, not for oiks like us.
@MartinSLewis They keep on defining the state pension as a "benefit". If this is indeed the case why is it the only benefit that is taxable? People on universal credit receive much more yet this is not taxed - why not?