old pension

xylophone

have got full national insurance contributions 

What exactly does your pension forecast say?

post 88 GMP £169.52
pre 97 excess £622.40
post 97 pension £257

The Sainsbury pension booklet indicates how non GMP revalues in deferment between leaving and scheme pension age.

The GMP may revalue by one of three methods - see 

https://www.barnett-waddingham.co.uk/comment-insight/blog/what-is-a-gmp/

Mercers should be able to tell you which it is.

adamcarvell

not having a clue about pensions etc do i need expert advice on what to do leave it or transfer it

Albermarle

adamcarvell said:

not having a clue about pensions etc do i need expert advice on what to do leave it or transfer it

You can not transfer it without expert ( and costly ) advice. This is a legal requirement . Too many people in the past were persuaded wrongly/fraudulently  to transfer from defined benefit schemes so the rules have been tightened .
I suggest your best first step would be to educate yourself more about pensions and then you can  better understand the pros and cons of transferring.
https://www.moneysavingexpert.com/savings/discount-pensions/
https://www.pensionsadvisoryservice.org.uk/

LHW99

It is also likely that if you did pass away first, your wife would receive a widows pension from this "old scheme". You would have to check exactly what, but it is likely to be 50% of what you receive.

Also, it could be that there is a lump sum offered, and that you could agree to give up some of that lump sum to increase the pension (may or may not be good value). The extra income could then go into your wife's pension to boost what she gets at retirement.