If you earned £100K you would pay about £6K in NI as an employee, so over a 40 year period you would pay about £240K. The state pension is worth about the same amount.
This means the majority of people will never pay enough NI to cover the cost of their state pension, massively so if they have had more than 2 kids. 4 million "50's women" opted to pay the married womans 'stamp', so they only paid **2%** NI, which means they get no state pension. No problem, they still get a pension based on hubbies NI record. So that's a fantastic BOGOF. Pay for one male £237K pension and get an extra £267K female state pension for free. Plus free NHS.
As a single person, fully signed up to IR35 since it started, I am definately in the Net Contributor group.
The state pension is just a couple of bottles of decent wine per week, what is all the fuss about ?.