In most cases, those receiving employment-related pensions are not in poverty. The prevalence of contributory pension schemes in the region lias been estimated at less than 10 per cent in most countries. Age-based pensions can be categorized as either universal or means-tested. After reaching a specified age, everyone is entitled to receive payment under a universal pension scheme. Eligibility to a means-tested pension is determined by, in addition to age, income, assets or family status.