@LHG
here in the UK we have a safety net provision called pension credit. It is a means tested benefit for those of retirement age who dont--for whatever reason--qualify for the full or part state pension. So its ideal for pioneers who have never earned enough to qualify for their state pension.
It is quite generous--more so for a couple. it is also a gateway benefit--meaning housing benefit for those who rent rather than own. There are other top up benefits for those with qualifying health issues. It doesnt take too much effort for a retired couple to get £20,000 a year in benefits. Which is probably more than they have ever earned in their lives.