I disagree, those elderly have PAID in. You get what you PAY for. The problem is when people get things WITHOUT paying, or those who take out more than they put in (also include the elderly I'll conceed). That's a financial black hole. But what's the choice? Logans Run? Kill everyone over 60, 50, 40, the disabled?
Now I'm talking about OAPs like my parents and my wife's parents, you seem to be talking about the rich OAPs. Yes of course it should be means tested (as should MANY aspects of Benefits including child benefits).
Disablility benefits cost is also miniscule, didn't stop Labour then the Tories crapping on the disabled leading to many thousands of deaths which the left wing hand wringers never gave a crap about.
Bottom line is the RICH are the problem and should be heavily taxed, tax evasion should have extreme judicial punishments and I can guarantee 99% of all the left wing TV/Music/Film luvvies are tax avoiding tossers living in gated communities to keep the riff raff out.
Ah I should stop as I'm depressed to hell.
So there's a few issues here.
First, you talk about saying that the problem is people taking stuff out who haven't paid anything in (you previously mentioned unemployed and immigrants).
You then go on to talk about disability benefits. Using your logic, some people with disabilities haven't paid anything int, therefore there is a problem with them taking out?
Someone who is unemployed may be unemployed not through their own fault - perhaps their skillsets and their job was rendered obsolete by technology and they need some time to adapt. There are very few people who are not working because they are trying to choose that as a lifestyle, and whilst I agree that it's not ideal for taxpayers to pay for such things, in the end the cost of that is miniscule compared to other things like pensions and so on.
Even that is a bit strange because each of these people is a human being. I used to know a guy who had never had a job, and didn't want one. He claimed unemployment benefits, but still lived with his parents. By the Daily Mail definition, he was a scrounger scum who should be put in a work party and forced to dig holes in the road or whatever. Thing is, this guy was also a really nice guy who did a lot of volunteer work in the community, spent a lot of time helping others out, visiting the elderly etc. In a way, he was actually doing the job that social services or the NHS ideally should be doing but for virtually no money. It's entirely possible that if he wasn't doing all that, all those other people he helped would have ended up costing the state even more than the cost of paying his measly unemployment benefit.
You then say the rich are the problem. The issue with this is that it is already the rich who pay by far the biggest portion of taxes. If you lined up 100 people in a row as representative of the UK population, about 40 of them are paying in nothing. The remaining 50 are paying standard rate income tax. Only the top 10% are paying 40% income tax. Also, the top 10% or so are paying almost half the total tax take, whilst the top 1% are paying I think just over 10% of the tax take (I'm going from memory from a program I heard the other day but the numbers are close to these).
Edit: There is also a practical problem which is twofold. If you massively increase the taxes of the very rich, it still doesn't make that much difference because there aren't many of them. Furthermore, these high income people are the exact people who are very well able to avoid this additional tax in various ways.
For example, let's say I earn £102k. Now the government introduces on me a 95% tax rate on all my income above £100k. (Labour did something like this back in the 1970s). First thing I'm going to do is take action to reduce my income below £100k - for example I can give £2k per year to charity. Now, you didn't only just lose the additional 55% of tax on that £2k, you also lost the 40% of tax that I was already paying, so your tax take actually just went down, the opposite of what you tried to achieve. Next, if you then prevent me too much from all those other options, I will simply leave the country, and now you just lost all the tax I was paying completely.
So you can see, it's already the top 10% who pay vastly for most of the tax in this country. Could they pay more? Possibly. I personally would be prepared to pay a bit more tax for better services. However saying the rich are "the problem" fails to recognise that they are actually the ones paying for all the others, not just the unemployed, but also all the low paid who actually take more out of the system than they put in (not their fault I know, but nevertheless it's you that's saying that you should only be able to take out what you put in.
Finally, your statement that these paople "paid in" so they have the right to take it out again is not the way the UK economy works. Like it or not, the tax money that is collected now this year from those working, is the money that's used to pay the government funded pensions of the retired. The so called "National Insurance" that people pay, is nothing more than an income tax in disguise. None of that money is ring fenced or put away in some special account for your retirement as it would be in a private pension.
Bottom line - if the economy completely tanked, government funded pensions would have to be cut, regardless whether you feel you have "paid in" or not.