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Original poster

What is the point of paying NI for 35 years to get a full State Pension, when people who have never worked receive Pension Credit anyway?

212 replies

Blondiebeachbabe · 14/04/2026 16:42

I just cannot get my head around this. You have to pay National Insurance for 35 years, in order to receive a State Pension of £241 per week. However, if you have never worked (like my cousin), you will receive Pension Credit of £238 per week. So basically, having contributed for 35 years, means that you get an extra £3 a week. Woop de fucking doo.

Moreover, why did some people who didn't have the full 35 years, pay extra to top themselves up, when Pension Credit would have bumped them up to £238 anyway?

Not only this, but people on Pension Credit have access to things that people receiving the SP do not, such as :

Housing Benefit: Often covers 100% of your rent.
Council Tax: You may pay nothing at all.
Heating: Free Winter Fuel Payments and Warm Home Discounts.
Health: Free dental treatment and eye tests.
TV Licence: Free for those aged 75 or over.

Make it make sense!

OP posts:
PrincessofWells · 14/04/2026 22:57

Chocaholick · 14/04/2026 22:53

It’s funny that me querying openly shared personal info is awful and hideous but calling someone ‘stupid and ignorant’ is perfectly fine and not at all vile.

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Fgs read the post. I said or maybe you are just stupid or ignorant or both. I did not say you are - that's you failing to properly read the post - again . . .

Chocaholick · 14/04/2026 22:56

TicklishReader · 14/04/2026 22:55

Really? Happy people go around online calling other people's dead grandmothers lazy?

Or is that your joy?

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Ok let’s just make out our crazy welfare state which is ruining our economy is simply wonderful and anyone who dares to query it is just unhappy

TicklishReader · 14/04/2026 22:55

Chocaholick · 14/04/2026 22:53

I’m very happy on the whole.

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Really? Happy people go around online calling other people's dead grandmothers lazy?

Or is that your joy?

Chocaholick · 14/04/2026 22:53

TicklishReader · 14/04/2026 22:53

No.

But you seem to live in a very small world, and it shows.

Find some joy.

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I’m very happy on the whole.

Chocaholick · 14/04/2026 22:53

PrincessofWells · 14/04/2026 22:52

Anecdotal evidence is not an acceptable form of evidence in any meaningful way, nor is it ever used in statistics because it has no meaning. Maybe you work in a prison which is why you feel all benefit claimants are criminal. Or maybe you are just stupid or ignorant or both.

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It’s funny that me querying openly shared personal info is awful and hideous but calling someone ‘stupid and ignorant’ is perfectly fine and not at all vile.

ShanghaiDiva · 14/04/2026 22:53

IamRedCrossnotJesus · 14/04/2026 22:50

Do you even understand basic human decency?

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Based on the advanced searches on a poster’’s history and then challenging their MH issues, I’m going to go with a ‘no’ on this one.

TicklishReader · 14/04/2026 22:53

Chocaholick · 14/04/2026 22:48

Is all real life experience merely ‘prejudice’ unless it draws the conclusions you like?

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No.

But you seem to live in a very small world, and it shows.

Find some joy.

PrincessofWells · 14/04/2026 22:52

Chocaholick · 14/04/2026 22:48

Is all real life experience merely ‘prejudice’ unless it draws the conclusions you like?

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Anecdotal evidence is not an acceptable form of evidence in any meaningful way, nor is it ever used in statistics because it has no meaning. Maybe you work in a prison which is why you feel all benefit claimants are criminal. Or maybe you are just stupid or ignorant or both.

Advocodo · 14/04/2026 22:52

I paid full NI for 51years and don’t get full state pension.

IamRedCrossnotJesus · 14/04/2026 22:50

Chocaholick · 14/04/2026 21:40

Do you understand even very basic economics?

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Do you even understand basic human decency?

Chocaholick · 14/04/2026 22:49

XenoBitch · 14/04/2026 22:44

Last post to you from me.
I brought up my gran being a carer on here. I did not mention me at all. You did an AS and brought my post history up. There was no need at all for that. Totally irrelevant to the thread about pension credit.

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You have posted repeatedly on here about benefits, and very usually the ‘bun fight’ threads. Nobody has forced you to do it.

Chocaholick · 14/04/2026 22:48

TicklishReader · 14/04/2026 22:46

So your opinions come from a place of prejudice. That makes more sense.

The only benefit claimants I know are disabled people who need the extra help.

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Is all real life experience merely ‘prejudice’ unless it draws the conclusions you like?

TicklishReader · 14/04/2026 22:46

Chocaholick · 14/04/2026 22:10

The benefit claimants I see are not vulnerable. Many of them are criminals causing untold misery to decent people.

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So your opinions come from a place of prejudice. That makes more sense.

The only benefit claimants I know are disabled people who need the extra help.

ShanghaiDiva · 14/04/2026 22:46

Chocaholick · 14/04/2026 22:40

Of course it’s personal, you brought up your personal circumstances! I’ll leave it there but this ‘I’ll allude to something but complain if they actually ask about it’ is a little silly

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It’s personal, not because of the information the poster provided about their family, but because you searched their posting history and then made comments about their MH. Completely unnecessary and unpleasant. But am sure you already know that.

XenoBitch · 14/04/2026 22:45

Chocaholick · 14/04/2026 22:43

But if for example I posted on here day in and day out saying I was really busy and have no idea how to get all my tasks done, somebody would say ‘but you’re on here all the time’. And that wouldn’t be unreasonable. This is similar.

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DFOD Biscuit

XenoBitch · 14/04/2026 22:44

Chocaholick · 14/04/2026 22:42

Which I wouldn’t know if you hadn’t repeatedly and openly shared them online?

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Last post to you from me.
I brought up my gran being a carer on here. I did not mention me at all. You did an AS and brought my post history up. There was no need at all for that. Totally irrelevant to the thread about pension credit.

Chocaholick · 14/04/2026 22:43

XenoBitch · 14/04/2026 22:42

Thanks. This place is trash sometimes. I come here to discuss things as an escape (as I am sure we all do, and also support too, but I get that elsewhere).
I wont respond to them again.

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But if for example I posted on here day in and day out saying I was really busy and have no idea how to get all my tasks done, somebody would say ‘but you’re on here all the time’. And that wouldn’t be unreasonable. This is similar.

XenoBitch · 14/04/2026 22:42

ilovesooty · 14/04/2026 22:40

@XenoBitch don't rise to it. You don't owe another poster an explanation.

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Thanks. This place is trash sometimes. I come here to discuss things as an escape (as I am sure we all do, and also support too, but I get that elsewhere).
I wont respond to them again.

Chocaholick · 14/04/2026 22:42

XenoBitch · 14/04/2026 22:40

Actually, I brought up my gran's circumstances. YOU are the one who bought up MINE.

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Which I wouldn’t know if you hadn’t repeatedly and openly shared them online?

XenoBitch · 14/04/2026 22:40

Chocaholick · 14/04/2026 22:40

Of course it’s personal, you brought up your personal circumstances! I’ll leave it there but this ‘I’ll allude to something but complain if they actually ask about it’ is a little silly

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Actually, I brought up my gran's circumstances. YOU are the one who bought up MINE.

Chocaholick · 14/04/2026 22:40

XenoBitch · 14/04/2026 22:37

Why do I need to be "anxious" online? What is that going to prove? Why do I need to prove it to anyone on MN?

Why is this relevant to this thread? What is your agenda?

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There is no ‘agenda’, people can just make face value comments even if you don’t like them

ilovesooty · 14/04/2026 22:40

XenoBitch · 14/04/2026 22:27

On MN, yes. Do you see what I am like offline?

And you have done an AS to cause a pile on.

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@XenoBitch don't rise to it. You don't owe another poster an explanation.

XenoBitch · 14/04/2026 22:40

Chocaholick · 14/04/2026 22:39

How? This poster has casted aspersions on my work and my suitability for it. How is this different? I don’t feel offended.

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I did not AS you and try to find dirt.
That is just fucking petty.

Chocaholick · 14/04/2026 22:40

XenoBitch · 14/04/2026 22:38

Thank you. It is getting really personal now, and for no need at all.

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Of course it’s personal, you brought up your personal circumstances! I’ll leave it there but this ‘I’ll allude to something but complain if they actually ask about it’ is a little silly

Chocaholick · 14/04/2026 22:39

PrincessofWells · 14/04/2026 22:38

You are being foul.

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How? This poster has casted aspersions on my work and my suitability for it. How is this different? I don’t feel offended.