Divorce

Getting a divorce or dissolving a marriage or civil partnership? If so, the courts may ask you to provide details of your pension benefits. Here you will find out about how to request this information and what impact this can have on your pension.

What it means for your pension

We know it isn’t easy when you’re going through a divorce or having a civil partnership dissolved. So we try to keep your pension arrangements as simple and straightforward as possible.

Three simple steps

Before agreeing any settlements, the court may ask you and your partner to provide full details of your pension benefits and their estimated values. Here’s how the process works:

The three steps

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Step 1.

You request a quote

First of all, you will need to complete a quote request form, which you can download here and return it to us.

You will also need to confirm details of your solicitor, where you want the quote sending and whether you want it processed urgently (an additional fee may be charged).

If you are already in receipt of your pension, you will be automatically charged for the quote and it will be issued as though you had requested it urgently.

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Step 2.

We provide your quote

A quote, outlining your pension benefits and value, will be sent to you within 3 months.

If you have paid for this to be processed urgently, we will arrange this as soon as possible – typically within 4 weeks.

If you are already in receipt of your pension, you will be automatically charged for the quote and it will be issued as though you had requested it urgently.

 

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Step 3.

You confirm any court settlement agreements

Your divorce settlement may include a ‘pension sharing order’, which awards a percentage of the value of your pension to your ex-spouse. If this is the case, you will need to send us the details as soon as possible, so that we can make the necessary arrangements.

If the settlement does not affect your pension, there’s nothing further you need to do.

Pension Sharing Orders

What happens next

If a Pension Sharing Order has been awarded as part of your divorce settlement, you’re probably wondering what to do next. Here’s how it works:

How it works

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Step 1.

Send us your documents

You need to send us a copy of the Pension Sharing Order and your Final Order (Decree Absolute) – either by post or email with details of both that can be found here: Contact us.

 

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Step 2.

We’ll let you know costs

We’ll write back and let you know the cost to you of implementing the changes and whether we need any further information. We’ll send you an invoice a few days later.

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Step 3.

Once payment is received, we’ll confirm and process

Once we receive payment, we’ll confirm in writing that we’re ready to implement the order. We’ll process the changes within four months of this date.

Step 4.

We’ll let your ex-partner know their options

We’ll get in touch with your ex-partner and let them know their options. For example, they may be able to choose to transfer their benefits to another pension scheme.

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Step 5.

We’ll confirm the impact of this to you

Once they have made their decision (we would usually give them a few weeks), we’ll implement the order and let you know what impact it has had on your benefits.

Any questions?

We understand it can be a difficult time. If you have any questions at all, feel free to call our helpline and one of our advisers will be happy to help.

Call your pensions Helpdesk on 0300 323 0260.

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