j. Ensure that all persons, especially individuals belonging to vulnerable and disadvantaged groups, are covered by the social security system, In order to ensure universal coverage, non-contributory schemes will be necessary. k. Ensure that benefits are provided in a timely manner and that beneficiaries have physical access to the social security services in order to receive benefits and information, and make contributions where relevant. Particular attention should be paid in this regard to persons with disabilities, migrants, and persons living in remote or disaster-prone areas, as well as areas experiencing armed conflict. l. 47 Take steps to ensure that the social security systems cover those persons working in the informal economy.