Young people are being pushed to save for their retirement but I advise them to be careful.

I am 85 and worked hard from 14 to 61 to save for my old age.

For what? I live among a number of elderly people, most of whom get benefit relief but because I have a few pounds over the top, I am penalised in various ways.

I am crippled with arthritis and last year claimed for disability relief on council tax.

A young man came to see me from the council and, as soon as he entered my flat, informed me I was not eligible, I suppose because I wasn't crawling along the floor.

So what help will the future oldies get?

-Mrs Winifred Smith, Brighton