pension age may need to rise: productivity com, page-4

"Allowing retirees to draw on their home equity"

You can see where this is going.

At some point, if you are forced to draw a pension but own your own home, you will be required to draw that pension against the equity in your home. When you die, your estate will need to pay back the pension you received from your assets, with your beneficiaries receiving what's left.

Really a death duty, probably a little more palatable to the public.