Following on from my post yesterday, I found this link here quite useful if you are in a similar predicament to me and are not sure whether it is worthwhile paying voluntary contributions. Judging by what I have read, it would seem I would be better off paying although I don't know yet, whether I would get the current or the new rate and that would have a bearing on my decision.
If you are in the position where it
is now too late to pay them, this link here may or may not be useful to you. I followed the procedure as a married woman, I have no idea what the situation would be in you are living together. Again, check this link if you are in that situation.
My mother in law only had a small pension but as she was 10 years older than her husband, had to wait until he had retired before she got anything - doesn't seem fair does it? Luckily, her husband was in the Forces and received part of his pension after he died, for the duration of her life.
The other point for you all to ponder is, what will you have to live on as a pensioner, if you are living on the pension of your husband, if he were to die before you?
You may think me obsessed by the question, but I am not, I am merely thinking ahead. Let's face it, I could go before him so it wouldn't matter as he currently draws his pension and that is what we live on. No more money will enter this house for quite a few years yet.
If you live mainly on his pension and yours is/will be 'just' the state pension (however much that might be), do you know if his private pension dies with him or whether you would be entitled to any of it after he has gone? If you don't know the answer to that, maybe you should try and find out.
Thanks for all your comments from yesterday. Jo, if you read this today, I would be interested to know, if they told you the cut off birth date for those of us who will be affected by now having to contribute 35 rather than 30 years.