spouse pension help

pebblemonkey · 23 October at 11:13AM

hi, my wife moved here 26 years ago, got British citizenship and has worked part time in various places and full time for a while in an old folks home.
she stopped working at 60 years of age 9 years ago. she hasnt got a pension nor state pension.
can she pay up for more pension creds from the gov, or use any of mine as ive paid up all my life.

im worried as were boith getting older and i wont be able to continue working for much longer.

molerat · 23 October at 11:50AM

As she is a post 2016 retiree she has no access to your NI contributions to boost her pension. Has she actually checked her NI record ? I find it hard to believe that she has no pension entitlement. As she reached state pension age in 2022? she would only likely be able to top up a max of the three years 19-20, 20-21and 21-22 depending on her 66th birthday but would need a total of 10 to get anything ...... but what about her overseas work record, there is often ways of using that to give entitlement to the UK pension plus maybe that overseas pension. Unfortunately the horse has bolted on the time to have sorted this out, the window closed in April this year on filling gaps back to 2006-07.