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New POD
2,119 posts
20 months
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Eric Mc said: And don't even mention accountancy - where anyone who fancies they can add 2+2 can call themselves an accountant and set up a professional practice. Yeah took me 6 months to realise my first one wasn't. Although he never said he was. He said he could do my accounts, and I failed to ask him to prove he was qualified, so more fool me.
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UnderTheRadar
451 posts
43 months
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OK a lot of truth and a lot of rubbish spouted above. You get what you pay for. I have only 2nd hand knowledge from my bother, sister, FIL, and BIL who have been at GP and consultant and surgeon level. These are people who are very talented and very educated and that is what you want when you are ill. We need to realise this and accept we have to pay for this. A talented (sp) GP I knew who was really good and dedicated just decided to move into IT land.
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Bradgate
529 posts
17 months
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The medics posting on this thread have made some good and interesting points, and I can understand that it must be tough having idiot politicians imposing constant restructuring while you are trying to treat your patients, ie me.
In deciding to strike over pensions, however, the BMA have picked the wrong battle at the wrong time. Doctors are in an enviable position. Their salaries put them firmly in the top 10% of earners, and their pensions, like those of all public sector workers, are far better than those available in the private sector. Most public sector workers simply do not understand this.
If doctors go ahead and strike, and think public opinion is on their side, they are in for a nasty shock.
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blearyeyedboy
2,588 posts
49 months
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Bradgate said: the BMA have picked the wrong battle at the wrong time. Nail on head. Which is why I'm not striking. Given the choice, I'd prefer action to disrupt the health reforms rather than strike.
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martin84
5,366 posts
23 months
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Adrian W said: Countdown said: The BMA is by far the strongest union in the country. No PM has EVER taken them on and won. I hope now is the time then With David Cameron in charge?    Yeah right. I've seen paper aeroplanes hold up better under pressure than him.
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sidicks
3,355 posts
91 months
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AML said: 3 points to consider- 1. As has been previously mentioned doctors pensions were re-negotiated in 2008 and currently return a surplus to the govt of 2 billion/ year. They are projected to stay in the black for the foreseeable future without need for change. So there is no financial argument for change at present Meaningless / irrelevant / highly misleading- you might like to read my post a few pages back that explains why this is b  ks! AML said: 2. Why is the playing field not level? Doctors pension contributions will rise to 14.5% whereas other public servants on similar salaries pay 7.5% Presumably salaries in the other sectors are lower so the pension needs to compensate? AML said: 3. Most tellingly the change of retirement age to 68 is certainly going to put patients at risk in what is now very much a consultant run service. Certainly I don't think there is any way I could adequately undertake my current role . Would you really want a tired 68 year old operating on your nearest and dearest in the middle of the night as an emergency? 68 is the age when the full maximum pension would be payable - if doctors want to retire early then they should be able to do so with appropriate actuarial reductions to their benefits. Sidicks
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martin84
5,366 posts
23 months
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Its not often I pity a Government minister but some of them must be thinking to themselves this Government lark is a surreal experience. A couple of weeks ago they got bashed for giving wealthy people a tax cut, now they're facing a strike for making wealthy people pay more towards their pension.
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GavinPearson
5,032 posts
121 months
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Sevo said: rohrl said: Call their bluff. They're already very well paid. Where are they going to work if not the NHS? There isn't enough private work for all of them. There would be no NHS if we got pushed out, we are amongst the best trained doctors in the world, we aren't easy to replace. I've heard rumours plans to form chambers and contract back to the NHS are in place, then you'd see what a free market prices medical labour at (see America for reference). The thing is, in the USA, really great Doctors do really well. They get paid as much as people are willing to pay them (or rather in most cases, the Insurance company) times the number of patients they see. On the other hand, less great Doctors earn far more ordinary levels of pay. And the ones that make mistakes can lose their livelihoods by civil lawsuits. I get to choose which Doctor I see - I choose the best I can afford and I don't get a lecture about ruining the environment by driving 60 miles to see the exact specialist I want to see. It is true payment for performance. Sevo said: Eric Mc said: I wonder how much public sympathy they have? I'm not sure we really care any more. We've had real term pay cuts for five years in a row, now they want to make us contribute twice as much to our pension as civil servants do whilst simultaneously destroying working conditions, training and the ability to do our job properly. A good pension is one of the only decent financial paybacks we have. This is no different to anybody in industry. The world is changing and realising the final salary public and private sector pensions were financially unsustainable. Western countries' salaries need to be fixed to make jobs sustainable. This in turn requires the public sector to track this. A strike would give the NHS an ideal opportunity to see what is absolutely critical essential and what isn't, a precursor for a severe downsizing of the NHS's scope and the potential imposition of pay cuts. This may not have a great ending.
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tonker
44,038 posts
118 months
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sidicks said: AML said: 3 points to consider- 1. As has been previously mentioned doctors pensions were re-negotiated in 2008 and currently return a surplus to the govt of 2 billion/ year. They are projected to stay in the black for the foreseeable future without need for change. So there is no financial argument for change at present Meaningless / irrelevant / highly misleading- you might like to read my post a few pages back that explains why this is b  ks! they keep doing this, the public sector pension defenders. It does make you wonder whether a) they actually believe they are right, b) they simply don't understand the compounded issue of unfunded final salary pensions with an ageing population and living longer (I think the concept of what would happen if our populations actually started contracting, a la Italy or Japan, may actually blow their mind) or c) they are 'plants' as posters. Because for supposedly very intelligent people in positions of great trust, they really don't seem to grasp the basics. But I suppose it's the lefty mindset - so long as I get what I want out of it, sod the actual point - much like the politicians themselves - all they want to do is keep the wheels turning until they get their cash out of it - ignore that all they are doing is making it ever worse for the future....
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smartypants
17,775 posts
39 months
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martin84 said: Its not often I pity a Government minister but some of them must be thinking to themselves this Government lark is a surreal experience. A couple of weeks ago they got bashed for giving wealthy people a tax cut, now they're facing a strike for making wealthy people pay more towards their pension. No no these are nice wealthy people, the others were nasty wealthy people 
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AML
168 posts
100 months
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smartypants said: No no these are nice wealthy people, the others were nasty wealthy people  Why thank you..........not sure about the wealthy bit though. I work in the UK not across the pond. Far too much blinkered spin being spouted here- I'm out.
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el stovey
13,603 posts
133 months
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tonker said: sidicks said: AML said: 3 points to consider- 1. As has been previously mentioned doctors pensions were re-negotiated in 2008 and currently return a surplus to the govt of 2 billion/ year. They are projected to stay in the black for the foreseeable future without need for change. So there is no financial argument for change at present Meaningless / irrelevant / highly misleading- you might like to read my post a few pages back that explains why this is b  ks! they keep doing this, the public sector pension defenders. It does make you wonder whether a) they actually believe they are right, b) they simply don't understand the compounded issue of unfunded final salary pensions with an ageing population and living longer (I think the concept of what would happen if our populations actually started contracting, a la Italy or Japan, may actually blow their mind) or c) they are 'plants' as posters. Because for supposedly very intelligent people in positions of great trust, they really don't seem to grasp the basics. But I suppose it's the lefty mindset - so long as I get what I want out of it, sod the actual point - much like the politicians themselves - all they want to do is keep the wheels turning until they get their cash out of it - ignore that all they are doing is making it ever worse for the future.... I don't blame Doctors for wanting the pension they have been promised. They've done well at school got into hard courses at university and slaved away whilst most people were pissing it up for four years. Then they've worked hard doing antisocial hours dealing with the sick/drunk/malingering/public and all that entails in hospitals for a while before they got to where they are today. It's a hard job done by people who have worked hard and achieved something with their lives. It's easy for everyone to make out Doctors are grasping or out of touch just because they apparently have an OK pension. Plenty of private sector workers have much better pensions that a GP does, mine isn't much different and I haven't achieved half of what a Doctor has to to reach their position. I don't think their demands are unreasonable at all. The trouble about having the tax payer funding your pension pot is that chippy people on the internet think they somehow own you or have some kind of right to decide how your pension should be paid.
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996c2
358 posts
35 months
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sidicks said: The value of the pensions is around 35%-40% per annum - paying 14.5% (which is the maximum amount) for a benefit worth 2.5-3 times that amount seems like excellent value to me....
Sidicks Serious question. How do you work out that the pension is worth 35%-40% per annum? As a GP partner (i.e. an independent contractor), you have to pay both the employer's (14%) and employee's pension contribution (up to 14.5%). I am wondering whether it's worth opting out of the NHS pension and investing 25+% of my income elsewhere.
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Eric Mc
67,846 posts
135 months
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AML said: 3 points to consider- 1. As has been previously mentioned doctors pensions were re-negotiated in 2008 and currently return a surplus to the govt of 2 billion/ year. They are projected to stay in the black for the foreseeable future without need for change. So there is no financial argument for change at present. 2. Why is the playing field not level? Doctors pension contributions will rise to 14.5% whereas other public servants on similar salaries pay 7.5% 3. Most tellingly the change of retirement age to 68 is certainly going to put patients at risk in what is now very much a consultant run service. Certainly I don't think there is any way I could adequately undertake my current role . Would you really want a tired 68 year old operating on your nearest and dearest in the middle of the night as an emergency? And you really think that is where you will be when you are 68?
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sawman
2,808 posts
100 months
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el stovey said: I don't blame Doctors for wanting the pension they have been promised. They've done well at school got into hard courses at university and slaved away whilst most people were pissing it up for four years. Then they've worked hard doing antisocial hours dealing with the sick/drunk/malingering/public and all that entails in hospitals for a while before they got to where they are today. It's a hard job done by people who have worked hard and achieved something with their lives.
It's easy for everyone to make out Doctors are grasping or out of touch just because they apparently have an OK pension. Plenty of private sector workers have much better pensions that a GP does, mine isn't much different and I haven't achieved half of what a Doctor has to to reach their position. I don't think their demands are unreasonable at all. The trouble about having the tax payer funding your pension pot is that chippy people on the internet think they somehow own you or have some kind of right to decide how your pension should be paid. Quite! 
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AML
168 posts
100 months
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Eric Mc said: And you really think that is where you will be when you are 68? Undoubtedly...hence my angst. Have trouble enough already recruiting to my particular specialty (except in the States) and it is only going to get worse. Still you get what you pay for......now I'm definitely out.
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Adrian W
Original Poster
8,231 posts
98 months
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sawman said: el stovey said: I don't blame Doctors for wanting the pension they have been promised. They've done well at school got into hard courses at university and slaved away whilst most people were pissing it up for four years. Then they've worked hard doing antisocial hours dealing with the sick/drunk/malingering/public and all that entails in hospitals for a while before they got to where they are today. It's a hard job done by people who have worked hard and achieved something with their lives.
It's easy for everyone to make out Doctors are grasping or out of touch just because they apparently have an OK pension. Plenty of private sector workers have much better pensions that a GP does, mine isn't much different and I haven't achieved half of what a Doctor has to to reach their position. I don't think their demands are unreasonable at all. The trouble about having the tax payer funding your pension pot is that chippy people on the internet think they somehow own you or have some kind of right to decide how your pension should be paid. Quite!  No! I don't want to own you, I just don't want to pay for your pension when I can't afford the contributions required to even get close to maintaining a half reasonable standard of living for me. If you are contributing 14% of 100k that’s not 50K so where is the other 36K coming from? I don’t understand the comments about a surplus, unless a lot of doctors have died recently and their contributions are being shared out.
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Eric Mc
67,846 posts
135 months
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AML said: Eric Mc said: And you really think that is where you will be when you are 68? Undoubtedly...hence my angst. Have trouble enough already recruiting to my particular specialty (except in the States) and it is only going to get worse. Still you get what you pay for......now I'm definitely out. You are probably too young for me to still be around when you are 68 but it will be interesting to see if your dire predictions comes true. And even if it does, maybe you will WANT to be working at 68. The notion that everyone is tired and washed up and useless to society and prone to mistakes and errors by the time they get to 65 is rapidly being disabused. Many more of us see ourselves being productive, alert and making a decent economical contribution to society and one's self beyond the age of 70. In my mind, this is a GOOD thing - not a bad thing. As a doctor, are you implying that those of 68 and over are somehow less valuable to society? If so, does this affect your atitude to how you approach their health issues?
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el stovey
13,603 posts
133 months
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Adrian W said: No! I don't want to own you, I just don't want to pay for your pension when I can't afford the contributions required to even get close to maintaining a half reasonable standard of living for me. Why? What's your financial situation got to do with someone else's? Are you annoyed that someone doing a different job than you in the private sector has a better pension than you? Should theirs be reduced too? If you had a better pension or pay than a nurse, should the nurse be given more? Why should there be any link between what you get as a pension and what a Doctor employed by the NHS gets? You imagine you are paying for their pension because that's what annoys you, your tax share might be going to paying for travellers to be relocated or a bomb in afghanistan or some hospital equipment or a part of your favourite road. The assertion that you "don't want to pay for their pension" shows you somehow think you should have some say or control over their terms and conditions just because they are employed by the state.
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UnderTheRadar
451 posts
43 months
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el stovey said: I don't blame Doctors for wanting the pension they have been promised. They've done well at school got into hard courses at university and slaved away whilst most people were pissing it up for four years. Then they've worked hard doing antisocial hours dealing with the sick/drunk/malingering/public and all that entails in hospitals for a while before they got to where they are today. It's a hard job done by people who have worked hard and achieved something with their lives.
It's easy for everyone to make out Doctors are grasping or out of touch just because they apparently have an OK pension. Plenty of private sector workers have much better pensions that a GP does, mine isn't much different and I haven't achieved half of what a Doctor has to to reach their position. I don't think their demands are unreasonable at all. The trouble about having the tax payer funding your pension pot is that chippy people on the internet think they somehow own you or have some kind of right to decide how your pension should be paid. Totally agreed. I come from a "real men don't cry" type family but I saw my brother in tears after having been working on a woman for hours from a pedestrian vs car accident where they didn't manage to save her. He was trying to sort out her shattered head whilst another team were trying to sort out thoracic damage. Another relative, retired now, was an oncology (cancer) consultant and that has taken its toll. He really cared about his patients, even now some send him presents at Christmas. He would rush in even if not on call. However the nature of his work meant that a lot of the time all he could do was alleviate the pain and watch them slowly die. He's pretty much an emotional wreck these days - anything even slightly emotional will cause tears. So in summary, yes Doctors are special. Not just only Doctors but compare the required qualifications, the training period and the life & death stress then they are apart from even nurses and police who are up there too.
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