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?

[Blondiebeachbabe]

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!

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

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

Do you even understand basic human decency?

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

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.

No.

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

Find some joy.

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.

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.

I’m very happy on the whole.

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

Or is that your joy?

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

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 . . .

Oh my bad you said stupid or ignorant… like that radically changes the nature of the comment!

Now you are just proving the point.

It’s the ‘maybe’ that’s the key word. Poster didn’t say you were…

I would say your grasp of economics is very weak if you think welfare is the sole issue here. And possibly your memory is a little short.

Don't believe everything the likes of Farage and Badenoch tell you is my advice.

Sure. It's all those disabled people and their carers' fault the economy is shitty.

Criminals.

What does this have to do with your £200k comment?

I’m believing PWC.

https://www.peoplemanagement.co.uk/article/1942989/uk-economy-losing-26bn-year-youth-unemployment-pwc-research-finds

Just wow, do you know how bad your disability/health has to be to get high rate mobility and care? I'm absolutely sure those people who have to claim benefits due to disability/health would much rather have their health.

The ignorance of some posters on here is off the scale.

And around here £16800 minimum of that would be on housing benefit which leaves £10,000 for expenses plus additional disability costs.

Read my post again. I didn't say it wasn't an issue.

This.
I hate the misconception on here about how anyone on DLA/PIP/UC is just living their best life on those benefits. There is a reason they are claimed... illness and disability.
I know a guy who is on the highest rate on both elements for PIP. He works full time in a job that works round him and his health. But he would rather he did not have the reasons to claim to begin with.

But we can’t switch their health for the benefits, so there has to be a conversations about the affordability of those benefits especially as the number of people claiming them is through the roof and steeply rising. This ‘oh they’d rather be well…’ is utterly moot and merely a thought terminating cliche.

When I got UC I got £864
Sure my rent was paid but I still had £205 worth of council tax to pay and 4 kids to feed. People really arent raking it in on uc