Recause unfortunately life isn't a level playing field.
Someone might have worked just as hard all their lives but not accumulated enough to not need help from the state.
Agreed. By the end of a working life, though, it doesn't matter how much you have paid in - it is the number of contributions, not the value of them that counts towards a full pension. I think this is fair. Those who can afford to save as well as pay NI will have occupational pensions, and/or savings in the bank as well as a state pension, but everyone who has worked for decades and has a full contribution record should have a decent pension, which should be the same whether they have paid £10 a week or the maximum (about £80 a week?). In this case I do think that those who earn more should pay more.
Some might have worked really hard as family carers and not accumulated enough although they have contributed a great deal.
People caring for the sick or disabled should be recognised and paid, IMO. Not just free NI contributions, but allowances and employment rights such as paid holidays and cover if they are sick.
Some have been unfortunate enough to have chronic serious illnesses or disabilities although they've done there best.
Yes, and a decent society will look after people who are unable to do so themselves. If everyone capable is expected to contribute then there will be more for those who can't, but (IMO) nobody should be able to decide not to pay in if they can, yet expect to take out. That is very unfair.
Thats why I agree with the principle of taxing - not over taxing - those who can afford it. It's all about seeing oneself as part of society not as an individual.
I agree with the principle of taxation too. But I think that all capable adults should pay, as I said above. We are all part of society, so should all contribute to wider society above and beyond our own families (unless we are carers, in which case see above).
How that should work, and details such as at what ages taxation should start and end, who should be exempt, or for how many years we should be expected to contribute before being entitled to retire on a pension would need to be decided, but should be evenly spread. Those who are sick or disabled themselves may not be able to pay, and that is why it's important that the rest of us do.
One day, who knows, what will happen to us in the future - or our DC or DGC, and need state help? Those are th underlying principles I hold to and despite all the difficulties why I vote labour.
Agreed. I would hate to live under the American system where people can't afford to be ill and there is very little help for those who are unable to work. There is no need for taxation to be very high if more people pay in and the load is spread. It is the fact that it is easy for people to get a free ride that means those in work are squeezed so hard.