Does everyone get a state pension?

[Dappy777]

If someone was

• Never registered as unfit to work (but never worked)
• Never a registered carer
• Never claimed any benefits
• Never paid any National Insurance

Do they still qualify for a state pension? Or do they get nothing at all?

They'd get pension credit instead i think.

If you haven't got 10 qualifying years of either contributions or credits then no, as far as I'm aware you don't get anything.

If you haven't got 10 qualifying years of either contributions or credits then no, as far as I'm aware you don't get anything.

It can depend when they were born. This link explains who is eligible
www.gov.uk/new-state-pension

Have they been financially supported by someone else until now and is that cash flow stopping? The state won't let them starve but it probably won't be a state pension.

Yes, they have been supported by someone else – an ageing parent.

But what happens to people who lived outside the system? I mean people who didn't claim any benefits and aren't registered as unfit to work, yet never paid any National Insurance either? Do they just starve?

How old is this person? Are they disabled?
how have they never paid NI contributions?

Op, look up pension credit.

Theyd get pension credit & housing benefit (if they rent) but i think they need ten years to qualify.

have they never had children & gotten child benefit either?

Pension credit. If they have no other income / assets generating income

https://www.gov.uk/pension-credit

They get the same, give or take a few pounds as the state pension but its called pension credit. Of course they have to very little savings, whereas if you qualify for a pension its on top of savings.

They could get pension credit and maybe attendance allowance if disabled

Ah, I see. So if someone has, say, £60,000 in savings, but has worked and paid National Insurance, they get a state pension. But if someone has £60,000 but has never worked and never paid any National Insurance, they get no state pension at all, and no pension credits either.

What if someone who has paid no National Insurance and has no savings but owns a flat? Would they get pension credits?

Late 40s. Not disabled. Never worked because they've lived at home and been supported by an ageing parent.

If the flat they own is the one they live in then it won't count as savings or investments for pension credit eligibility. How is the person going to support themselves prior to state retirment age?

No they wouldn't be left to starve. They'd get whatever help will be in place at the point they need that help. I expect the system will change a lot in the next 20+ years.

If they got an inheritance they would, quite rightly, be expected to use that to support themselves. I think DWP have rules on how long an amount ought to last so if someone got tens of thousands they'd be expected to live off that for several years not spaff it up a wall in 6 months then go cap in hand.

Yes they get pension credit if they own the home they live in. They have to live off their savings til they are under the limit.
They also prob get some council tax benefit too

Presumably they will need to do something in the 20 between now and when they retire, so may well qualify for at least some state pension by then

Have you had children and cared for them?

You definitely get something from the state if you are unable to financially support yourself. I know someone who worked for about a year before she got pregnant at 18, she then had multiple children & was 'forced into work' by the Job Centre (her word's) about 2-3 year's before pension age & worked 4 hours a day in a cleaning job. She lives in a housing association bungalow, runs a little car & although on a budget lives quite comfortably.

So they are lazy and entitled?
Hope they realise they won’t get a state pension?

Presume they’ve never had children? If they’ve ever been a sahp they might qualify via child benefit for any years caring

Or possibly made to believe by the parent that they are "needed at home" e.g. domineering widower father who can't make toast and needs his slippers warmed every night so persuades adult daughter to care for him.

They wouldn't get a state pension but would get means tested pension credit if they have no savings or income. The house you live in doesn't count.
Obviously not until they are 67/68 though.
For now they would have to be unemployed and seeking work to get benefits.
If they were caring for an elderly parent they might get carers allowance which gives NI credits.