Wives or partners of those who have served abroad in the armed forces may be missing out on pension payments worth thousands of pounds.
Last year the government launched a scheme to offer National Insurance Credits to 20,000 military spouses.
But following a Freedom of Information Request, insurance firm Royal London discovered that fewer than 4,000 people have applied for it so far.
The payments could be worth up to £30,000 over the course of retirement.
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