In three OECD countries - Australia, Denmark and Estonia - they were less than 75% of the national average equivalent household disposable income. Figure 2.4 shows that during retirement they rely heavily on public pensions in the form of earnings-related or resource-tested benefits which account for an average of nearly 59% of their incomes in the 34 OECD countries. At the top end of the scale are Austria, Belgium, Finland, Hungary, and Luxembourg where public pensions make up 80% or more of elderly people’s retirement income.