- Mrs Y, aged 65, approached us to discuss her and her ex husband’s pensions on divorce.
- Her basic state pension was considerably lower than her ex husband’s entitlement.
- She was concerned about her pension entitlements and wanted to maximise her income in retirement.
What we did
- We reviewed her National Insurance (NI) record and having giving up her career, and stayed at home to look after the children, her NI record was much worse than her ex husbands.
- We reapplied to the Department of Work and Pensions (DWP) after divorce.
- The DWP substituted her ex husband’s NI record for our client’s record at no cost to either party.
- The basic state pension in payment to our client quadrupled and she received a lump sum of back payments.
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