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State Pension and divorce / dissolution

A new State Pension system comes into effect from 6 April 2016. This may affect the State Pension that you will get on divorce or the dissolution of your civil partnership.

Divorced before 6 April 2016

The previous rules, detailed in this section, apply to you if you have already reached your SPA  before 6 April 2016.

Basic state pension - You may be able to use the National Insurance contribution record of your ex-spouse or ex-civil partner to help increase your basic State Pension if you're divorced or if you have dissolved your civil partnership. This won't affect your ex-spouse or ex-partner's basic State Pension. If you remarry or form a new civil partnership before you reach State Pension age, you lose this right.

Additional state pension -  The court could consider your additional state pension as a financial asset. It could have been shared in a financial settlement through a pension sharing order. This meant that you may have had to share part of the value of your additional state pension with your former spouse or civil partner.

Click here to read more about additional State Pension.  

If a pension sharing order is made, your additional State Pension may either increase or decrease, depending on the decision of the court.

Divorcing on or after 6 April 2016

It may be possible to claim a share of an ex-spouses or ex-partner's protected pension through a pension sharing order (PSO).For most people reaching State Pension age on or after 6 April 2016, the amount of State Pension calculated under the previous rules will be the least they will receive.

Frequently asked...

Where can I find out more?

If you need more information, please contact us. A pension specialist from our team will be happy to help with whatever pensions-related question you have. Our help is always free.

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