Hi georose, as far as i know you need to apply for ILR 28 days before your spouse visa expires, you can see the application form and requirements needed on this site www.ukba.homeoffice.gov.uk.

Just want to update, was able to open an account alreadyin HSBC and had joint account with my husband...at last, now i've mailed the pregnancy health grant form to HMR too with all the photocopy of my passport,fiance visa and identity card.Time to wait for the result. crossing my fingers now. will update again. Thanks.