Her pension is frozen at the level she received 25 years ago and as the value of the pound has fallen, her pension is worth even less.
BBC: Expats lose pension freeze case: Your stories
Mr Bradfield said many public sector workers had already seen their pay frozen or cut and that pension plans amounted to a further pay cut.
BBC: Public sector strikes 'biggest ever' in Shropshire
But I was horrified to learn, not from the UK government but from a newspaper, that when I claimed my pension it would be frozen.
BBC: Pensioners say human rights violated
Workers who have had their pay frozen for two years and are being forced to pay more for a smaller pension.
BBC: George Osborne extends council tax freeze
This poll of 139 pension sponsors (both large and midsize businesses) showed that 40% had frozen or closed their plans, up from 30% in January.
FORBES: The Big Chill
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