Well here is our problem. People like yourself already starting to say they don't expect state pension, even though as you state it will be the only benefit you ever received, having been net tax payer your whole working life. Unacceptable, paving the way for such reforms. Nobody in this silly country ever asks how is it that in Europe pensions are higher and contribution based, maternity leave is often longer, university education 'free' and health care without massive waiting lists and accessible. Yes they contribute more but once we add all our fractured taxes (inc £2500 council tax), we are high a tax country. May be we just need to review the systems and spending. Why would we pay someone who works part time, receives UC, housing benefit, NHS/dental, etc for years, then pension/pension credit, then free care home, yet punish self sufficient, self funding folk. This is why UK productivity is low, work does not pay! I see work adjustments in all social classes/earning brackets - they simply follow policies. Reduction in income/hours for UC, or to avoid higher tax rates, or 'putting spouse/relative on books as self employed to reduce tax, or having children single for housing and 3 year unoficial maternity leave (no need to work), or extra money with boyfriend on the side, etc. These policies make people tax evasive unlike in Scandinavian countries and resentful. Nowhere else such proposal, effectively a break of social contract would be acceptable especially if billions are sent abroad. Uk the sheep accept all. May be just may be reward work with benefits being time limited and based on salary and years of contributions, maternity leave pay based on salary, same for pensions. You will see how quickly people work extra to increase their benefits. Not rocket science. Removing pension the final benefit for someone like you and me will be the final straw and people may behave differently or emigrate and take their assets abroad - many mid income peeps (50k+ are already doing so). I am also in 40s and already been robbed of serp contributions I paid which were compensated by reduced contribution years for full pension - to just 27 years. Which is useless if I carry on working beyond 40s or if pension is means tested. Finally, Australia has means tested pension but NO inheritance tax, which means that people save as much as possible for retirement and whatever one does not use up goes to next of kin. Uk inheritance tax negates this desire. So I bet people will just stop saving, spend their money, work less and this will have even worse impact on the future of UK finances. Plaese think before you accept this unfair proposal. Other solution is to increase contribution years requirement to 40+ years and to stop rewarding people who did not work enough - pension credit, housing, nhs, unless disabled. But proper checks are needed on disability (like those walking 10k hikes but disabled with knee, or back but gardening/repairing house, or depression leaving hair purposely unwashed for 2 weeks prior to assessment, or pushing for their child to be adhd diagnosed despite several professionals pushing back just for increased UC and child disability element - all true close to home scenarios). Then we wiil be able to afford to support properly the truly disabled. Until we accept some hard truths about the UK systems nothing will change.