South Koreas old-age pension scheme covers individuals age 60 or older for the rest of their life as long as they have satisfied the minimum of 20 years of national pension coverage before hand. Individuals with a minimum of 10 years covered under the national pension scheme and who are 60 years of age are able to be covered by under a reduced old-age pension scheme. There also is an active old-age pension scheme that covers individuals age 60 to 65 engaged in activities yielding earned income. Individuals age of 55 and younger than 60 who are not engaged in activities yielding earned income are eligible to be covered under the early old-age pension scheme. Around 60% of all Korean elders, age 65 and over are entitled to a 5% benefit of their past average income at an average of 90,000 Korean won (KRW). Basic old-age pension schemes covered individuals 65 years of age who earned below an amount set by presidential order. In 2010, that ceiling was 700,00 KRW for a single individual and 1,120,000 for a couple, equivalent to around $600.00 and $960.00.
Question: Which pension scheme covers those with the least amount of years in pension coverage?
Answer: reduced old-age pension scheme