Couples splitting up or going through divorce don’t discuss pensions leaving women thousands out of pocket.

• Couples prioritise splitting property and savings and even who keeps the pets
• But just 9% would want a fair share of their partner’s pension if they divorced
• Woman are most likely to be left out of pocket

A Scottish Widows survey found that 71 per cent of divorcing couples don’t discuss pensions as part of their settlement, and 48 per cent of women and 41 per cent of men have no idea what happens to pensions when a marriage ends.

Anecdotal evidence suggests women will prioritise keeping hold of the family home to provide stability for children while not bothering so much about pensions, because they don’t fully understand their value.


‘The starting point should always be to find out what pensions there are, what are they worth and how they fit with any other assets such as property and savings and each spouse’s needs for a home and income,’ says the firm.

‘If an adjustment needs to be made to get a fair overall outcome on a divorce this can be done by one person keeping their pension, but the other getting more of the other assets (called “offsetting”); or the court can make a Pension Sharing Order giving a percentage of one person’s pension to the other (which could be 50:50 but often won’t be); or a combination of the two may be needed.

* Confusion about what happens to pensions, with 48 per cent of women and 41 per cent of men having no idea

* Among the women who did discuss pensions during a divorce, 27 per cent had no pot of their own, but every man in this category did have retirement savings

If you need help with any of your Financial Planning including Pension Sharing Orders, please contact me,


Debbie Day Mobile: 07704311021 Email: