Include pensions in the information you gather
MoneyHelper explains that pensions can matter in divorce or civil-partnership dissolution, and that separation does not give an automatic right to part of an ex-partner’s pension. Its guidance describes sharing, attachment/earmarking and offsetting, which work differently. Individual circumstances and jurisdiction matter; this page does not select an option.
Sources: MoneyHelper: Splitting pensions in divorce or dissolution
Ask for the information needed for this purpose
MoneyHelper distinguishes ordinary statements from a cash equivalent transfer value requested for divorce or dissolution. Ask the scheme and your legal adviser which information is needed. A defined benefit income promise and a defined contribution pot cannot be treated as interchangeable just because both show currency amounts.
Keep the valuation purpose, issue date, relevant employment or scheme period and any provider explanation together. Do not relabel an old statement as a current settlement value or use our fee/growth illustrations to value a pension for divorce.
Sources: MoneyHelper: Splitting pensions in divorce or dissolution
Record advice and implementation as separate stages
A proposal, a legally effective arrangement and a provider’s completed change are different stages. MoneyHelper explains that procedures vary across UK jurisdictions and that legal and financial help may be needed. Use the official guidance and appropriate professionals for your own situation.
- List the scheme and the person whose pension it concerns.
- Keep documents and dates requested by your adviser privately.
- Ask what the scheme needs to implement the relevant arrangement.
- Keep provider confirmation separate from a draft agreement.
Sources: MoneyHelper: Splitting pensions in divorce or dissolution
Do not fold State Pension into a private-pot total
Use the existing State Pension and divorce guide for the distinct component and official valuation questions. It is not a calculation of what is shareable in your case. MoneyHelper offers a free pensions-and-divorce guidance appointment; follow its current scope and eligibility information.
Use private, appropriate support
You do not need to contact an ex-partner through this website to read these guides. Use suitable independent help where communication or safety is a concern. All Pensions does not invite partners, share accounts or process court orders.
Keep short notes only in the browser organiser; retain real agreements, valuations and private identifiers outside it. This guide does not interpret a court order, determine rights or suggest a settlement.
Sources & review
- MoneyHelper: Splitting pensions in divorce or dissolutionChecked 2026-10-04
- MoneyHelper: Free pensions and divorce guidanceChecked 2026-10-04
Next scheduled review: 2027-01-04. Provider details can change sooner. Use the official website for the current contact route.
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