What if I get divorced?


If you divorce, or your civil partnership is dissolved, the Court will take your pension into account when determining any settlement.

If you live in England, Wales or Northern Ireland, it is the value of your pension benefits at the date of divorce or dissolution of the civil partnership that is counted.

If you live in Scotland, it is the increase in the value of your pension over the course of the marriage or civil partnership that is counted. This means that pensions should be valued at the date of separation.

The Court will decide how pension benefits are to be split. There are broadly three options:
  • Pension sharing, which means the pension is split at the time of divorce or dissolution so that both parties receive a separate pension pot. In the case of the Scheme, the member’s pot will remain in the Scheme, and the ex-spouse or partner can choose to either have their pension pot transferred to another pension arrangement or have their own pension set up in the Scheme.
  • Pension offsetting, which means both parties keep their own pension benefits and adjust their share of other assets (such as a house, a car etc.) to take account of the value of the pension benefits.
  • Pensions earmarking, which means when the member starts to draw their pension, part of that pension will be paid to the ex-spouse. If the member has already retired, the ex-spouse’s pension is payable immediately.

The Scheme is entitled to make a charge for the provision of specific divorce information and for the complex process of implementing a Court Order. Further information can be found in our divorce fact sheet or from the Scheme Administrator. 

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