Servicemen's partners could be missing out on £250 a year – and you can backdate claims to 1975

TENS of thousands of partners of servicemen could be missing out on £250 a year.

The money can even be backdated all the way back to 1975, as long as you're under the age of 65.

As many as 20,000 people could be missing out on thousands of pounds in National Insurance credits.

It even applies if the relationship has ended or if you're now widowed on the condition that you spent time abroad because of your partner's posting.

You must have been married to or in a civil partnership with a member of the armed forces at the time of their posting.

The credits ensure that partners who were unable to work during those times do not miss out on entitlement to the State Pension, pensions minister Guy Opperman told the Mirror.

Mr Opperman said the government values the "incredible sacrifice" made by the forces and their families.


The Department for Work and Pensions (DWP) updated the guidance on how to claim the credits on its website this week.

If you have already paid voluntary National Insurance contributions for the time you were abroad you can apply for a refund.

There are two types of National Insurance credit; Class 1 and Class 3.

Class 1 credits are paid for postings on or after 6th April 2010 and count towards your state pension and may help you qualify for some other benefits like Jobseeker's Allowance.

Class 3 credits only count towards your state pension.

To apply for Class 1 credits you’ll need to fill in the MODCA1 form from the government website.

Class 3 credits can also be applied for online but this can only be done before you hit state pension age, which is currently 65.

If you're working in the UK, receiving child benefit or caring for a loved one you are eligible for National Insurance credits.

These build up over a maximum of 35 years and are worth £250 each.

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