In which countries there is no old-age pension, what alternatives exist

Many Russian pensioners are unhappy with their retirement benefits, a similar trend can be traced in most of the CIS countries. But it will be useful for them to learn that there are quite a few countries in the world where pensions are not provided at all.

In which countries of the world there are no pensions

The trend of the modern world has become almost universal raising the retirement age. This is relevant both for the countries of the European Union and for the countries of the CIS. The increase in life expectancy and the growing number of retirees every year create a tremendous burden on the pension authorities, which forces the governments of these countries to revise the retirement age towards its increase.

But there are quite a few countries in the world where there are practically no pensions. Let’s call the top 10 of them. Some countries on this list seem to be economically developed, but after the retirement’s work journey, they are faced with poverty and oblivion.


Probably, this country in the list will most surprise uninitiated readers. The Chinese economy is considered the second in the world, but at the same time, the authorities of the Middle Kingdom are extremely negligent in the sphere of social support of the population. Far from all Chinese who have completed their career have the right to receive a pension. Only former employees of government bodies, employees of large state-owned industrial enterprises located in large years, and former siloviki will receive a pension.

In China, there is a selective approach to the payment of pensions, the government has embarked on urbanization and today more than 45% of the country’s population lives in large localities. Therefore, the urban population still has some prospects for receiving pensions, but residents of Chinese villages do not have them at all.

The average pension in China is only $ 15. Although life in China is cheap, but this is clearly not enough. Therefore, at the state level, the duty of screening elderly relatives lies with the younger generation of Chinese citizens. At the same time, Chinese pensioners have huge social benefits. They practically do not pay for a communal flat, they travel free of charge in public transport, receive significant discounts at grocery stores, clothing and household appliances.


In Pakistan, only civil servants can expect to receive a pension. The rest of the population is not familiar with pensions at all, since they never existed in Pakistan. The pension of a former civil servant is a maximum of $ 150. A one-time payment of the entire pension benefit for 10 years at a time is allowed, which the majority of Pakistani pensioners enjoy.


In India, only former government employees can receive a pension. The overwhelming majority of the population is completely deprived of pensions. Care of the older generation is assigned to public foundations and religious organizations of the country. The main burden of supporting old people lies with the younger generation of numerous Indian families.


Only Iraqi civil servants and former oil and gas workers are eligible for a pension. In Iraq, 60 people of both sexes retire. The average pension here is 120 dollars. Families in Iraq are numerous, so it is assumed that the country’s traditions oblige the younger generation of Iraqis to care for their elders.


The Kingdom of Thailand also saves on its retirees. Only those who in one way or another served the state can get a pension in it. But they get from 400 to 500 dollars. The rest of the population cannot apply for retirement. Government employees retire in Thailand at the age of 55 with 15 years of experience.


Despite the immigration program for foreign retirees, the Philippines does not pay pensions at all to its citizens who have retired. Retirement can receive except that the leading employees of the state apparatus of the country. But for local pensioners, there is a system of benefits, which in some way resembles the Chinese.

I happened to be and work in Tanzania. This large and densely populated (by African standards) country does not even know what pensions are. Distantly pension-like benefits are received by the military and police, as well as some government employees. They are given out after leaving their job by age a plot of land and a state interest-free loan for building a house. Tanzanians say that this is how all the suburbs of the million-strong Dar es Salaam (the capital of Tanzania) were built. The profitability of such activities is high. Given the free land and the loan received from the state, local retirees invest in building a house (given the cheap labor) 10 thousand dollars, and sell it already for 30-40 thousand. But most Tanzanians work in old age.


This African country does not know what pensions are. They have never been born there, so the Nigerian old people have to rely only on their strength and the support of the children. There are no benefits for the older generation.


This is the only Latin American country where a priori pensions are not provided. The government that has recently come to power promises to develop and introduce a pension system.


In Vietnam there are pensions, but they are paid only to those who worked for the state. Yesterday’s civil servant’s average pension is $ 30–40. The rest of the elderly should rely on the younger generation.

As we see, not all countries can provide old age. And not all states that do not pay old-age pensions can be considered economically backward.

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