Found this if it helps -You can set up the account but not get this information without one of the two. Like you say there must be a lot of older folk not got either
Claim by phone or post
You can claim by phone if you reach State Pension age in the next 4 months.If you want to claim by post, phone the Pension Service to get a State Pension claim form sent to you.
Telephone: 0800 731 7898
Textphone: 0800 731 7339