When the state pension was first introduced people were expected to only live 5 -10 years beyond retirement. Now we are living 20 or 30 years longer. Someone has to pay for our 'freebies' and the cost for providing them for so long is getting too much.
We have no choice but increase retirement age and increase the age we qualify for any incidental extras.
We still pay for our tv licence, even though we are both over 75. I do not have a bus pass because, as discussed on another thread, I get travel sick on buses, so avoid them.
The best and most efficient way to deal with all the government sourced bells and whistles is to abolish every one, including free prescriptions and then raise the Pension credit Basic level by a substantial amount. That will bring a lot of lower income pensioners currently just above that limit, within it. It will also help those just above the Pension Credit Savings level as well.
Then all the better off pensioners like us will effectively be taxed more because we will lose our winter fuel payment, start paying for our prescriptions and tv licences etc. and still be paying income tax as well.
A very simple wayof dealing with the whole problem and not one extra civil servant will be required to manage it.
If commercial companies still want to offer incentives, as many may still want to, that is fine. It will be a straight forward commercial decision.