All our pensions are being eroded, stolen, stretched, manipulated etc. I have a plan... Everyone who is within 12 months of gaining their pension is forced to make a choice. Large, healthy pension, but with an automatic life termination at, say 75 years old. It's not as if 75 isn't a fair innings is it? or Reduced pension for as long as you naturally live. That could be as long as 100 years old or more. So you live a shorter but richer life or gamble on a long life but with less cash per month. Or perhaps I shouldn't drink so much.