I want my pension back!!

[baz1191]

Hey everyone in the UK..(I don't know how it works in the US)

Does anyone else not get depressed when they read articles like this?

http://www.intelihealth.com/article/at-best-type-1-diabetes-doubles-death-risk

I work full time for a living, and it feels like for what??

When you get articles like this telling me I am going to die young anyway.. probably won't reach my retirement (why do I still bother paying in to my pension - I'm not going to see it anyway). I got diagnosed earlier this year at the age of 31. Been paying into a pension for over 10 years, yet the law does not let you get any of it back until your at least 55.

I think the law should be changed so that if you are diagnosed with a condition such as T1DM, you can get it all back to enjoy it while your still young.

What's everyone else's opinion?

 

[noblehead]

Well there's many type 1's on this forum who have lived with the condition for 50 years or more and still going strong, Google the Joslin 50 for inspiration on what can be achieved.

 

[AndBreathe]

Hey everyone in the UK..(I don't know how it works in the US)

Does anyone else not get depressed when they read articles like this?

http://www.intelihealth.com/article/at-best-type-1-diabetes-doubles-death-risk

I work full time for a living, and it feels like for what??

When you get articles like this telling me I am going to die young anyway.. probably won't reach my retirement (why do I still bother paying in to my pension - I'm not going to see it anyway). I got diagnosed earlier this year at the age of 31. Been paying into a pension for over 10 years, yet the law does not let you get any of it back until your at least 55.

I think the law should be changed so that if you are diagnosed with a condition such as T1DM, you can get it all back to enjoy it while your still young.

What's everyone else's opinion?

I think you are being overly pessimistic of your view of the world just now.

But, in addressing your absolutely worst case scenario, although current legislation limits most occupations to a pension age of 55 (Certain occupations can have access earlier than this, but they are extremely specialised, as you can see:



In the event of extreme ill-health, there are processes in place which allow early access to pensions. To be honest, you should be hoping never to have to explore these processes.

 

[smidge]

@baz1191 - the good news is that as we're predicted to die sooner, when we do get to draw our pensions, we get bigger annuities because there is less risk of us living so long that we'll hurt the insurance companies profits LOL! Seriously, keep paying in, keep the BG under control and laugh as you take a bigger pension!

Smidge

 

[Jaylee]

Yep, i have heard tales of non Ds karking it within days of retiring... One actually died on the job.
My dad who was was T2 "officially" retired about 3 times.. Then went out & got another job within two days, working till he was 80. the guy did look in his 60's.

 

[Diamattic]

That article was super depressing man, i don't need to be reading stuff like that!

However, It left a lot of variables out. One of the largest IMO is length of time they had T1. For example you (and me even - diagnosed last year at 29) - compared to someone who has had it for 30 years already... who do you think is more likely to have developed complications ?

Where that person is at 40, when they were diagnosed at 4, is where you will be at 67 if you were diagnosed at 31, more or less anyway.

The goal is to live the longest, happiest life you can. You know you have to keep you BS in check so don't waste your time reading depressing stuff like that lol

 

[Pasha]

Enjoy all what life has to offer, the offer is not for eternity. By the way, I had a heart attack when I was still quite young and then a quadripple by-pass operation. The heart attack was 25 years ago. Just do your best, enjoy life from day to day and the rest will follow. Cheers.

 

[yingtong]

I've been type 1 for over 50 years with over with only a couple minor complications,I have 4 wonderful children,I have played many sports,one,to semi professional level.i have worked in the construction industry for all my working life,from apprentice to director level and still do a little part time work to keep me active an my mind working.Providing you look after your diabetes you can expect normal life expectancy and I personally expect to celebrate being diabetic for 75 years

 

[phoenix]

The Study was from Sweden and the conclusion
'In our registry-based observational study, patients with type 1 diabetes and a glycated hemoglobin level of 6.9% or lower had a risk of death from any cause or from cardiovascular causes that was twice as high as the risk for matched controls' http://www.nejm.org/doi/pdf/10.1056/NEJMoa1408214

So in the non type 1 population 2.85 out of every 100 people died during the period

The T1 population with an HbA1c under 6.9% had 2.36 more chance of dying.
So 6.7 people out of every 100 died during the period.(and 2.85 of them would have died had they been non diabetic)

Put it round the other way the vast majority , 93.1/ out of every 100 diabetics with HbA1cs within the target were still alive and kicking. You might be rather foolish to blow your pension on the still relatively small risk of death

(If you had an HbA1c of over 9.7% or over then you had a much higher risk of death but even then 75/100 diabetics with a level above this would still be alive at the end of the period..)

 

[czj]

Try not to get stuck in one of those diabetic-time-warps. thinking you'll die young. Even those of us who thought that decades ago were wrong.

In a few years, when there is cure for T1, you'll be glad you kept paying into that pension,