Dear HMRC Admin,
Thanks for your reply.
Just wanted to comment on this one: >
I would first of all check with DWP as the minimum number of years needed for 100% state pension is 35 years not 25.
That you for pointing that out. Section 3 of DWP's "Your State Pension Explained" page says 35 years only apply to those w/o any NI record before 6 April 2016.
My spouse did make NI contributions before that date, so I understand she needs at least 10 years rather than 35 as per the old rules - here's the quote from the same section: "For the new State Pension, you will normally need at least 10 ‘qualifying years’ on your National Insurance record to get any State Pension.
These can be from before or after 6 April 2016, and they don’t have to be 10 years in a row.
Your State Pension explained
Thanks & Regards, D.