I am no economist, but I do find this topic quite interesting, one question I've always wanted to ask, and maybe some of you "financiers" could shed some light on is; Everyone goes on about lengthening life spans and extra amounts in pensions to pay out, but conversely what happens to the NI contributions of someone who unfortunately dies when they are 64 and never even collected state pension or even at <70 and only collected up to 5 years pension (and a lot do), where does all this unclaimed money go ? (back into the pot I guess) [?][?]