When a couple divorce from marriage or a registered civil partnership, pension scheme benefits are included as part of the couple’s assets.

What actually happens to their pension benefits depends on how the total assets of the marriage are split as part of the divorce settlement.

A Court can order the pension benefits to be shared between the couple in one of three ways:

  • the member’s pension rights can be offset against other assets;


  • part of the member’s pension rights can be ‘earmarked’ and paid to the ex-spouse (which includes a civil partner) when the member retires;


  • the value of the member’s pension rights can be divided at the time of divorce (pension splitting). In this case, the ex-spouse’s or civil partner’s share will generally be transferred to another pension arrangement.

If you need further information, please contact the Clarks Pensions Department.

© Clarks Pensions 2014