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Think tank the Centre for Social Justice has called for a private sector , social insurance model to provide for middle - class jobless workers , as the current system aims to reward those who have invested the most into the system . Currently , individuals contributing to Social National Insurance for 25 years could earn less in benefits than a 25-year old who worked intermittently since their teens . The new solution could save the government over £ 2.7bn over 25 years and " help people who earn enough to be disqualified for Universal Credit , but who struggle to make ends meet in the event of sickness or sudden death " .