Thank you Gorden for replying so quickly. Yes my husband is the oldest of us both. I’m 63 this year so still a few years before my pension. I only receive income related esa not any cb. I’m beginning to unerstand now what you have been telling me. I forgot about my NI credits towards my pension il have to really think about that one now. But thank you for explaining it all to me. I dare say il be back if I need your help again Many thanks Bb
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