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I am reaching pension age in a couple of years and have just found out my much younger Thai wife is having twins.

1.I am lucky enough to have private pensions so plan to delay taking my state pension for some years so I can benefit from the increase which I will take as a lump sum when I am 70-75 as In believe my estate get it if I die before electing to.

2.If I read the rules right upon my death my widow can receive all or most of my pension as she has dependent children under 18

Can anyone tell me if it is correct?

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