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12.
Pensioner without former occupation. Single APW
’Retirement’ at ’usual’ age, here 60 years
A pensioner without former occupation can receive either a survivor´s pension,
which e.g. the wife can obtain via her deceased husband´s contribution to SERPS

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and graduated pension or income support of 68.80 GBP a week. In this calculation
the income support is used, it is 3,578 GBP a year.
The 
net compensation percentage' (relative to the APW) is 3,578 / 12,500 x 100 =
28.6.
The 
decrease' in disposable income, relative to that of the APW, is 71.4 per cent by
this kind of ’retirement’. 
13.
Pensioners with maximum period of former occupation. APW-couple
The two pensioners have the same age, the wife retired in 1992 at the age of 60
years, the husband in 1997 at the age of 65 years.
The husband is ’identical’ to the single pensioner in case 11. Based upon information
and estimates from the Department of Social Security the wife (and the couple) has
the following pensions in 1997 (Serps and grad are estimates).
Wife
Husband
Couple
Couple
Week
Week
Week
Year
GBP
GBP
GBP
GBP
Flat rate
62.45
62.45
124.90
6,494.80
Graduated pension
1.39
5.56
6.95
361.40
Serps pension
16.25
62.23
78.48
4,080.96
Total
80.09
130.24
210.33
10,937.16
The disposable income for the APW-couple is 10,937 GBP.
The net compensation percentage is 10,937 / 19,681 x 100 = 55.6.
The decrease in disposable income compared to the APW-couple is 44.4 per cent.
’Standard’ income events in connection with children