14/01/2026
Pensions are one of the most valuable assets in a divorce, and one of the most commonly overlooked.
In England and Wales, pensions are treated as part of the financial settlement, even if the pension is in only one person’s name. Workplace pensions, private pensions and final salary schemes can all be taken into account, and their value can be far greater than many people realise.
There are different ways pensions can be dealt with during divorce. In some cases, a pension can be shared so both parties have their own independent provision for retirement. In others, pensions may be offset against property or savings. What’s right will depend on your individual circumstances.
It’s also important to remember that even if you reach an agreement, it must be approved by the court through a financial consent order. Without this, financial claims including pensions can remain open.
At MLS Legal, we help you understand your options and protect your long-term financial future with clear, practical advice.
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