nprofile1qy2hwumn8ghj7un9d3shjtnyd968gmewwp6kyqpqg0tuf634rz4suczwj7kgnecr6cyt0eu9xmp3sp0fku68mqehq4mstcx9tq (nprofile…x9tq) would the Australian approach work? It looks complex because pensioners vigorously resist "it's just a benefit, like the dole or the disability pension". So there's a separate set of rules that are somewhat more generous (and the base rate is much higher for mixed reasons, some good, some bad).
https://www.servicesaustralia.gov.au/who-can-get-age-pension?context=22526