Handcream: I want to comment on every bit of your life, let me start with the fact that you will retire in 10 years time. You should get nothing apart from what you have saved, no state pension, no bus pass, no extra heating, no reduction in council tax or what ever we have. Further more If you have a partner who also gets a pension it should be taxed at the individual rate, not liable for a couples rate.
If you have savings, and or a works pension, you have made provision for yourself so you need no help from the state. If you own a home that should be used to cover ALL expenses from health and social care, I am sorry we just cannot afford to subsidies people who have made working and saving, and home ownership their route in life. Your independence is important to you, so you need nothing from the state.
You will of course be free to use the NHS, council services that are paid for from your local taxation, roads, public servants such as police, fire, army, etc.
We will be happy to help you once all your private resources are expended, we will however subject you to not just a means test just to be sure you are properly impoverished. We will also require you to be seen by a panel of your peers to assess if you have done everything you can to support yourself, and indeed if you are willing to make adjustments to your lifestyle should you have to. The panel will have the last say in your claim, however an appeals procedure by which you will appear on a T.V. show called "Benefit" factor where you can appeal for the public to over rule the panels decision will be possible if you so wish.
May I on behalf of all benefit claimants wish you a long and happy retirement when it comes, we will be here...waiting if you need us.