Re: A shorter term problem
Means tested benefits have stupoid consequences.
Friend of mine, nbow too physically infirm to do "unskilled" manual jobs anymore (and no skllis to do office work etc) - worked on production lines all tehir working life.
Too young to get a pension.
They were frugal and saved - now cannot get various disability help precisely because they saved for their retirement in a mix of ways (e.g. ISAs not just pension).
They will get disability benefit - when they have used their savings to live on for a while to dip below means tested value.
So much for the incentive to save for retirement / rainy day - they may as well have had lots of holidays and fun and then they would be getting disability benefit, not having to pay for disability related add ons to their accomodation etc.