Unfortunately you are correct, in my opinion it's the fault of the MOD for not paying or crediting a basic national insurance contribution for none working wives the same as unemployed people get here in the UK which is why they can be unemployed all of their lives and yet still eligible for a state pension, the only thing is though if they are not eligible for the state pension they then receive supplementary benefits/Social Security of which then actually works out a lot more with all of the add-ons they are entitled too than just being eligible for the state pension.