How does divorce and pension sharing affect my State Pension forecast?

19 Sept 2026, 08:20
Q A Reader Asker

How does divorce and pension sharing affect my State Pension forecast?

A ClaimGuide Team Answered by

A State Pension forecast is mainly based on your National Insurance record and does not automatically show pension sharing agreed during divorce. Pension sharing orders usually apply to private or workplace pensions, rather than the State Pension itself. Depending on when you divorced and which State Pension rules apply, you may be able to use an ex-spouse’s National Insurance record to improve your entitlement, but this is subject to specific conditions. Check your forecast on GOV.UK and contact the Future Pension Centre or a solicitor regulated by the SRA for advice on your circumstances.

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