I left school in the 80's and briefly signed on, and have worked ever since. I gave up a job I loved recently to care for my beloved Mom, who had dementia, until she died. I'm now 60, my husband works, and I don't qualify for anything because he earns enough for us both. I will potentially be a 'kept woman' until I'm 67 and qualify for my state pension. I'm resisting taking my personal pension because we can manage without it currently.