If your wife reaches retirement age at 60 and you are under 65 then you get a form E121 for each of you, the husband as a dependant.

You register both forms with INSS and both get health cards etc.

When the husband retires at 65 the UK send a new E121 for the husband.

Has anyone had this situation and what did you do with the new E121. I have heard that if you present it to the INSS you will get a new card and a new number and you are assigned a new doctor (which could confuse your existing doctor and your medical records).

If you do not present the new E121 nothing will change but what happens if your wife dies before you? Do you cease to be a dependant and would this unpresented, old, E121 still be valid?

Hi Fred
Was this thread in response to the query I just posted? If so, I am female aged 55 (56 December 22nd, no cards required!) I will be caught in this tiering in relation to change in retirement age for women (did I want to retire at 65? No, why was I not consulted in this matter? Lol! I know, it's European law!) Anyway, the result is in my particular instance is that I would not be due to retire officially until the age of 62 and 9 months (tch!).
Bob is currently 60 and will be 65 in February 2013.
Therefore I would still be able to claim married woman's pension based on Bob's full contributions. So we should both be able to obtain our OAP government pension upon Bob reaching his 65th birthday.
As I understand it, Bob would require an E121 and would then claim for me as his dependant.
Do you, or does anyone else know if I would be able to claim my own pension when I reached pensionable age (62 and 9 months), or would claiming married women's pension preclude me from changing when I reach pensionable age?
Furthermore, if so, would I recieve more pension?
I think at the moment I have 36 years contributions and 40 are required, but have been advised that this has actually now been changed to 30 years. I was advised that this is currently going through at the moment, which is why you cannot get a pension forcast on the phone or in writing, only on their website. But apparently they changes are due to take effect in about October this year.

Would be interested to hear your response Fred. Thanks

Chris XXX

Good question well presented just what Kath and I intend to do but she is sure that I will check out before her so it will not matter

Fred, my husband registered his new E121 with my name on after my E106 had run out and nothing happened other than my prescriptions became free! I didn't get a new card or Dr, I was just covered under his E121 instead of my own E106.

Hope this helps.

Chris :If your retirement date is on or after April 6th 2010 you only need to have paid 30 years' worth of contributions to get a full State Pension.

I'm no expert, but I think if you have your own full Pension you will need to claim that at the correct time and not the 60% based on your husband's contributions (as I think this option is only for those women who don't have their own pension). You would have to have reached your own retirement age in any case. Obviously a full pension will be 40% more!

Your husband can still claim for you on his E121as his dependent even if you don't have a pension, providing he is of State Pension age, or in receipt of Incapacity Benefit.. My husband has an E121 because he is on Incapacity Benefit and it covers me, even though we are both still in our 50s.

Hope this helps.

My understanding of the DWP site and talking to them about our situation is that in your situation with a full contribution record at retirement age Hubby will claim a married mans pension to include for you and you will not be paid an independent pension until you reach your retirement age based on your contributions. The figures keep changing but a full single pension is about £86 +all other bits such as second pension, serps etc and a married pension is about £125 +bits.

In my case that will be £86 + £20 at todays rates + rises to 2010 so should get nearly £110 a week for 40 + years contributions and 45 years taxed work. This is I understand the lowest of the EU excepting those who have only joined recently.

Yes you will get a full single pension with less than 40 years and if you are not working at the moment do not make any further contributions without consulting the DWP since you appear to have a full contribution record.

Again as I understand it when you are both beyond retirement age you will get 2 full single pensions + bits and bobs hubby will not then receive the extra for being married.

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Today´s state pension is 90.70 GBP per week. Just looked it up.

Goody that makes it £114 for 40 years contribution and 45 yrs taxed earnings!

Some 2005 info on HERE

Yes of course if you had never paid any National Insurance contributions whatsover you would be entitled to maximum top up. But if you have paid a couple of years short for whatever reason your pension will be docked. Imagaine an insurance man at the door trying to sell you that policy and no doubt where you would tell him to go. Make no wonder it's compulsory.

The total amount that you (and your employer) pay into you pension fund and the amount you get out do not seem such a good deal.

However if you are short of a few years contributions for a full pension then the deal is spectacularly beneficial.

To buy one years credit costs about £400. For that your pension increases by £117 a year or £187 if married.

It doesn't take a maths genius to work out that that is a tremendous deal!

And I thought I was a genius in getting my wife to pay!

You are of course spot on, where else can you get a return as high as that for life. The only problem is you cannot withdraw what you pay in! Pity but it is still an excellent idea to top up the pension.

AND FURTHER

Claim your state pension straight away.

If you don't and die no one but the state gets a bean. No one guarantees a capital sum equal to 5 years pension, or whatever, if its your state pension - you just lose it all (or should I say the next of kin lose it all!).

I agree....claim it straight away AND ask for it to be paid weekly. Otherwise, it is paid a month in arrears.

May as well maximise the amount you will get!

Will they still pay it weekly direct into you Spanish account, I thought it had to be monthly then.

Oh....don't know about that, sorry.