Gary B

The entire Boriswave will be entitled to Pension Credit IF they obtain ILR. Care workers who arrived in their 40s/50s and have never earned a salary >£30k will all be eligible, along with their spouses. This should be a first order concern if you're worried about pension spend.

The 'contributory principle' is dead. This is what you're 'entitled' to if you didn't contribute enough years of NI for a full state pension: - Income top up (Up to £11,000 a year) - Housing benefit (Up to £12,000 a year) - Full Council Tax reduction - Free TV licence - Free dental care - Free NHS prescriptions - Free opticians + glasses vouchers - Social tariffs for bills - Warm Home Discount - Cold Weather Payments - Winter Fuel Allowance - Free bus pass - Free home insulation - Boiler grants - Help with moving costs - Hardship funds - Free wigs and fabric supports - Senior Railcard discount - Blue Badge parking scheme (normally disability-linked but Pension Credit can help bypass certain criteria locally) - Court fee remissions - Funeral Expenses Payment - Support for Mortgage Interest - Help with ground rent/service charges - Local food & fuel vouchers Plus a thousand other obscure Martin Lewis benefits

Vibe coding is more addictive than any video game ever made (if you know what you want to build).