Likewise. Several years ago I was having lots of issues with my BT phone line and eventually had the issue appropriately escalated. One call the BT manager read me a list of websites I'd browsed that day!
AIUI if they leave their money in their pension pots until retirement then the fund will not be liable to IHT. Only unused pension funds will be affected.
If you bring your children up expecting something like that, you've failed as a parent
There is the aspect that for those families with funds to consider inheritance, dementia rates are increasing and it's an expensive condition for those whose means tests mean no state assistance.
As you say, when you retire is very subjective. I "retired" age 47 in that I chose to stop work with no intent to restart ... except for several years after that I did defined hours consultancy for the company on salary. When that ended (my choice) I had to wait until age 60 to get my first pension actually under a Government plan (QUANGO). Had to wait until age 66 to start New State Pension. Private Pension funds (several from different employers) still sitting there as their "nominal retirement age" gets adjusted every time I don’t start drawing anything (they started set to age 60, then once I passed that reset to something else - all meaningless and only used for projections on statements).
