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Politics

Social security spending out of control?

228 replies

Wizeman · 15/03/2026 15:06

The UK spends about £334 billion on social security. Around £177 billion of that goes on pensions, which as a young person I’d definitely want when I’m older — especially if I’ve worked all my life and paid into the system. What I don’t understand is why some younger people are against older people getting a pension, because one day they’ll want one too.

About £145 billion goes towards working-age benefits, which is a massive amount of money. Around £76 billion of that is for disabled people, which I think is fair and necessary. But you hear so many stories about people taking advantage of the system, and a lot of those stories turn out to be true.

They say about 1 in 3 people in Britain are on some kind of benefit. I’ve personally been in hospital with serious injuries and had operations that put me out of work for months, and it never crossed my mind to claim benefits. I’ve also been out of work for about a year before while working towards getting a new job, and I just lived off my savings.

That said, I’ll be honest — I’ve always had support from my parents, like being able to stay at their house. I know not everyone has that kind of support.

But it does feel like fewer people want to work and some would rather claim benefits.
I also don’t think removing the two-child benefit cap will really solve the problem.
In Poland, for example, people get tax breaks for having kids, which encourages people to work.

Either way, £334 billion just sounds like an insane amount of money to me.

OP posts:
january1244 · 18/03/2026 14:25

But pensioners who have that level of income will be paying significant amounts of tax. Personally I wouldn’t remove people from being able to receive a pension, I think it would have far worse effects. Like a PP said, people would stop making provision for retirement, people would feel more resentful. The people with these levels of pension have most likely been net contributors for a very many years.

ive got three decades til my pension at least, and id be very cross if it got means tested

Badbadbunny · 18/03/2026 15:48

DrivinginFrance · 18/03/2026 14:17

You have to have made NI contributions for state pension. How much have the non working UC lot contributed?

No, you have to have "earned" NIC credits, which can be accumulated by being on benefits, being part time on low wages, being a carer for young children, etc. So, no, there's no actual link between "paying" NIC and getting a state pension.

BIossomtoes · 18/03/2026 16:38

Badbadbunny · 18/03/2026 14:05

A very quick google shows that half a million pensioners have an income over £50k, so that's quite a lot who don't "need" the full state pension benefit as they have incomes of around £40k or more from other sources, presumably such as occupational pensions, buy to lets, investment portfolios, etc.

In which case their state pension is recovered in the tax they pay.

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