Retirement and divorce

In just 20 years, the number of over-60s getting divorced has risen by nearly three quarters.

But what happens to pensions and retirement incomes when people separate or divorce.

What if I get divorced before I retire?

When you get a divorce, the court usually takes into account any pensions you or your spouse or civil partner have when you separate. This includes:

  • Company pensions
  • Personal pensions
  • Additional state pensions (but not the basic state pension).

Find out more about splitting pensions during divorce from the Money Advice Service.

What if I get divorced after I've retired?

When you divorce in retirement, you may need to split your retirement income - especially if you have a joint retirement income or one that provides for your ex-partner when you die.

The company you bought your retirement income from will be able to tell you your options, so it's a good idea to get in touch with them.

If you have an Aviva retirement income, you can call us on 0800 092 3711.

What about my property?

You'll need to decide how to divide your property and possessions - including your home. This can be a difficult process, but you can get help and advice from www.gov.uk/divorce.

If you've borrowed money against your home with equity release, you should contact the company that gave you the loan. They’ll be able to explain your options. If you have a lifetime mortgage with Aviva, you can call us on 0800 092 5624.

What if I want to change my will?

It's important to review your will following a divorce because:

  • Anything you gifted to your spouse or civil partner before your divorce will now go back to your estate in most cases
  • If your will gifts everything to your spouse or civil partner, after a divorce it will be as if you hadn’t made a will at all (this is known as dying intestate)
  • If your spouse or civil partner is listed as an executor or trustee of your will, this will no longer be valid following your divorce.

If you haven't made a will yet you can get started with our making a will guidance.

Legally speaking, separation is the not same as getting a divorce.

But if you decide to separate from your spouse or civil partner, it's likely you’ll need to think about a lot of the same things. Make sure you check your pensions, retirement income and will to see what, if anything, you need to do.

Worried that separation or divorce might leave you in debt? Our debt management guidance could help.

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