My understanding is the same, Calendargirl, but not from experience so I could be wrong. It seems unfair to those who have paid NI for decades to lose their entitlement to increases, but maybe it is to compensate for the fact that they haven’t contributed to the host country’s health system?
I know someone who moved to a European country on marriage, paid no ‘stamps’ thereafter, then returned to the UK at 60 on divorce expecting a pension and to use the NHS. She is entitled to healthcare (including joint replacements, which she has been given) but has had to find work to tide her over from 60 to 66, and will then have to be assessed for eligibility for PC. She is outraged, but I think that’s fair. She has contributed nothing to the UK system and didn’t contribute to the European one either, but thought her husband’s contributions would somehow cover her for a free pension here. They didn’t.