At a glance 

1. Think carefully about how you will live when you can no longer work – it might seem like it is too far away just now, but it is crucial to factor this in when you divorce.
2. Pensions can only be held in one person’s name but when it comes to divorce any and all pensions need to be taken account of and can be shared if you or your ex’s financial needs mean that this is the only way to get a fair outcome.  
3. The person who makes a claim against their ex’s pension is not doing anything wrong – it is their legal right to ask the court to consider the pensions in the case when it comes to a financial settlement on divorce.
4. Valuing pensions can be very tricky. Pensions can be worth more than the family home. You might need help to understand the values of the pensions in your case.
5. If you are thinking about agreeing with your ex that one of you keeps the family home and the other keeps their pension make sure you read our longer guide so that you can better understand what you are agreeing to and get expert help if you can possibly afford to.