retiring early

[stevewool]

so what you are saying if your wife is 10 years and younger they may not get your pension or it will be at reduced rate

[Terpe]

so what you are saying if your wife is 10 years and younger they may not get your pension or it will be at reduced rate

I really depends on the 'small print' of your pension scheme Steve.
On of my pensions did have a restriction clause on a spouse 10 years younger. Just payment reductions of x% per year over the 10. Do mention in mine of losing widows benefit.
Age differenc is quite a common restriction, just to save money. No mention of it in my Civil Service pension though.

Michael's case is a little different in that his pension scheme small print appears to dis-allow and transfer of named beneficiary.
I've no knowledge of this clause so am interested to learn more about that.

All these little forgotten issues can suddenly and unexpectedly appear and bite us in the