I am coming up for 65 soon. My wife is 63 and receives £35 per week pension (housewife, part-time job and not full stamp). She is under the impression her pension will increase when I retire. We have been badly affected by the recession and our savings (no pension plan) have lost the best part of £200k (RBS and other financial institutions shares). Together, we are now both left with savings of less that £10,000 cash, have no jobs and any other form of income. Am I/we entitled to pension credit and council tax credit? Do I receive a separate pension from my wife and will hers increase as she thinks it will? Thanks, its all a bit confusing.