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Pensions

This section contains a range of information resources on how pensions and divorce. This includes guides to valuing pensions and also options for sharing pensions by methods such as offsetting or attachment.
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Ordering
Pensions, Ill-health and Divorce
This article considers the impact of ill health on the valuation and allocation of pensions in the
event of divorce or dissolution.
Pension sharing - an introduction

Pension sharing does not necessarily mean a 50/50 but it is often the starting point. Much depends on whether all the other assets have been dealt with. The experience and knowledge of your lawyer and that of your stbx may also come into play. There are no straightforward formulae it will (should) all depend on the circumstances of your case.

A divorce under Scottish Law is different because only the value gained during the marriage is taken into account. The CETV (Cash Equivalent Transfer Value) is a crude but the simplest way of putting a value on the pension.

Pension Valuations
There is some argument about whether pension accumulated prior to the marriage should be included or excluded (that’s one for the lawyers).

If the outcome will definitely be a pension sharing or attachment order, then there is a good argument for not spending good money calculating whether the CETV is reasonable. However, this assumes that the way that the shares are implemented is not detrimental to either or both parties. Often they are not, and this is an important area where actuaries can and should add value.
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