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Britons risk a £35,000 shortfall in their state pension if they can’t continue working right up until their state pension age. Britons are living longer lives, but not necessarily healthier ones and this creates “hidden horrors for our retirement planning,” an expert has warned. Healthy life expectancy is less than 63 years old for both men and women – a full three years less than the current state pension age of 66, according to recent Government data. This raises the very real prospect of people being too ill to work but too young to get their state pension. The full new state pension is wor…

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