Anne Darwin, a 55-year-old former doctor's surgery receptionist, will appear in Hartlepool Magistrates Court, where her husband John, 57, attended a brief hearing on Monday.
She was accused of "dishonestly obtaining 25,000 pounds (35,000 euros, 51,000 dollars) ...
(and) 137,000 pounds by money transfer," a police spokeswoman said on Monday, adding that both offences were committed in 2003.
John, a former teacher and prison officer, has been charged with lying to obtain a passport, and obtaining a 25,000-pound life insurance payout by deception.
The 137,000-pound payment Anne Darwin has been accused of dishonestly obtaining reportedly relates to a policy to settle her mortgage in the event of her husband's death.
He was arrested last Tuesday, three days after walking into a central London police station and telling officers he thought he was a missing person but had amnesia.
Anne Darwin, meanwhile, was arrested on Sunday in Manchester, northern England, on her return from Pan