Advice about government state penstion?

My husband is 61yrs old and never lost a day's work in his life. I am almost 59 yrs. My husband has not a pension through his firm. Took out Private Pension which has literally 'went down the tubes' as have many others. His state pension forecast shows he should get approx. 拢200 per wk at 65 yrs. My state pension shows I should get just a little under 拢100 per week. We thought therefore this would be our joint income if he retired, plus a very small private pension. However, a friend who is usually knowlegeable in such matters actually laughed at us and said we will not recieve anything like this from the state and more likely to be something like 拢130 per wk between the 2 of us. I am now a bit worried with how we could survive on that. Is this correct?: Both of us have worked almost all our lives.Advice about government state penstion?
This is a useful link. http://www.adviceguide.org.uk/index/life鈥?/a>


In fact, as I understand it, the pension you might receive yourelf as of early in 2009 will be higher than the additional pension that your husband receives in your name once he retires (your chunk of his pension). That means that instead of adding your pensions together, you have to find out what the joint pension will be, as it will be less. But don't forget SERPS -- the earnings related on top of your basic pension. Has your knowledgeable friend taken that into account?


Sadly, your private pension is taxable. A lot of us forget that when doing our sums.Advice about government state penstion?
Pension must be readily given to those who are entitled because they spent the best of their lives in the military and served the country well.
You can now possibly claim Pension Credit to top up to what the government sets as the minimum level of income if your pensions do not come up to that. You can phone them and they're usually quite helpful.
All State Pensions are also taxable over a certain limit if you are under 65. Your joint pension should be well above 拢130, the Pensions Service will give you the correct figures.