I am 72 and stopped paying national insurance when I was 65 but that threshold has since risen to 66 and due to rise to 67 in 2026. I am still working part time and therefore still getting paid as well as receiving my state pension and all my income is taken into consideration for tax. If I wasn't earning, I wouldn't be paying any tax as my state pension alone would be below the tax free threshold. Not sure about your "working for nothing" comment though, as I only pay tax on income above the personal allowance of £12,570pa, just as I always did, so my take-home is 80% of everything over that figure as there's no NI deducted and I'm happy with that.