To the extent possible, the nu merator includes su rvivors' a nd disability benefits once the beneficiaiy reaches the statutory pensionable age (or the age of 65). I n other words, the numerator should capture all beneficiaries of a n old age pension, whether they themselves were participants in a social security scheme (contributors) or not, for instance, family members of deceased contributors who receive a part of the latter’s pension. Both in the case of survivors’and disability benefits, it is important to note that only those who fall within the age group are counted.