Originally Posted by
Al R
Most ‘service wives’ have very little independent pension provision. Starting a pension for them might ‘only’ produce 20% tax relief uplift (compared to 40% for a PAS flier) but hardly any will pay tax on relevant income, and they will be less likely to suffer via regulatory shift. Similarly, consider the venerable ISA.
On a related issue, spouses who have accompanied their serving partner abroad and have been unable to work, they can recover Class II NI payments through HMRC, as if they had been working during these times. It's a simple process and my (ex) partner has recovered 10 years of lost Class II contributions. Search for it on the HMRC website.