If you or your partner dies, you or your partner can apply for each others National Insurance record to be used instead of their own, so this will only help them if one of your records is more complete than the other.

If you or your parter dies while one of you is under state pension age, they/you will lose this right if either of you remarries or enter into a new civil partnership before they reach state pension age.

Your spouse or civil partner could be entitled to any extra state pension you are entitled to if you put off claiming it when you reached state pension age.

If you reach state pension age under the new rules that came in after April 2016, the rules are slightly different.

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