THE question of state pension payments and contributions towards them is complex, with what we have been paying having actually funded the pensions of our parents and other people older than ourselves, and our pensions eventually having to be paid by our children and grandchildren. 
There is no direct link between our National Insurance Contributions and our state pensions, other than the periods for which NICs have been paid, on which entitlements are calculated. 
As we all live longer it would be unfair to expect our children to pay more towards our pensions than we have towards those whose pensions we have paid. If we live longer we should expect pensions to start later. It is only fair to our families.
Littleton Panell