Spouses below the age of 39 years can avail this scheme separately, from which they will get a joint pension of Rs 10,000 every month after the age of 60 years. If husband and wife whose age is 30 years or less, they can contribute Rs 577 per month to their respective APY accounts. If the age of husband and wife is 35 years, then they will have to deposit Rs 902 every month in their APY account. In addition to the guaranteed monthly pension, if either of the spouses dies, the surviving partner will get Rs 8.5 lakh along with full life pension every month.