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Valerie Tait reached state pension age 10 years ago but, at the age of 70, is still working part-time as a civil servant.
More than 250,000 people who have reached state pension age by April 6 2016 are expected to sign up to a special "state pension top-up" scheme being offered by the Government from this Monday.
So, except for the most entrepreneurially-minded, those who have reached state retirement age or who lose their jobs in their fifties have very little prospect of improving their circumstances.
Those entitled to pay class 3 voluntary NICs include everyone who has reached state pension age (though you can only pay for the past six years), plus some other groups.
If it would be foolish to deny the problem, it would be heartless not to acknowledge that for thousands of people who have reached state pensionable age, stopping work is an unpalatable option.
Only athletes who have qualified for state competitions as individuals or as members of teams that have reached state playoffs have been tested so far, though the association hopes to expand the testing to randomly selected athletes on any team at any point during a sports season.
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This procedure is iteratively repeated over all reached states until no new state is obtained.
They claim to have reached states of nirvana where the Creator speaks directly to them.
Deferral will make less sense if you reach state pension age on or after 6 April 2016.
Anyone who reaches state pension before 5 April 2016 will be excluded from the single-tier pension.
This can be claimed by most people when they reach state pension age.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com