This is especially true of healthcare and long-term care services, though countries also provide other services such as free transport, TV licences, or free participation in cultural and social activities. Publicly provided in-kind services add value to retirement: they enhance the income of the elderly by an average of 40%, compared to 24% among the working-age population. In some Nordic countries, the share of services in the disposable income of the elderly is as high as 70%. The analysis presented here also shows that services benefit the poorest retirees much more than they do richer elderly households. The contribution of long-term care, however, which by definition is focused on the elderly, is still small.