Pension Attachment Order

Pension Attachment Order
Pension Attachment Order
Full Overview Of Pension Attachment Order

Pension assets are often crucial when going through a divorce or civil partnership dissolution. One way to handle pension division is through a Pension Attachment Order, also known as a Pension Earmarking Order. At DLS Solicitors, we understand the complexities of pension division and its significant impact on our client’s financial future.

This guide aims to give a detailed overview of pension attachment orders, covering their legal framework, application process, strategic considerations, and practical implications.

What are Pension Attachment Orders?

A pension attachment order is a court order that instructs pension scheme administrators to pay directly from one party’s pension benefits to the other party or to allocate a portion of the pension benefits to the other party upon the pension holder’s retirement. Unlike pension sharing orders, which divide pension assets at the time of divorce, pension attachment orders involve ongoing payments and entitlements.

The legal framework for Pension Attachment Orders is primarily set out in the Matrimonial Causes Act 1973 and the Civil Partnership Act 2004. These statutes give the courts the authority to issue pension attachment orders as part of the financial remedy process, ensuring that pension benefits are considered in the overall financial settlement.

Key Features

  • Direct Payment: The pension scheme administrator is instructed to make payments directly to the recipient from the member’s pension benefits.
  • Earmarking of Lump Sum: A portion of any lump sum payable upon the member’s retirement or death can be earmarked for the recipient.
  • Regular Pension Payments: The recipient may receive a portion of the regular pension payments upon the member’s retirement.
  • Death Benefits: In some cases, death benefits payable from the pension scheme can be earmarked for the recipient.

Applications of Pension Attachment Orders

Pension Attachment Orders can be used in various scenarios to address different aspects of financial settlements. At DLS Solicitors, we help clients understand when and how these orders can be most effectively utilised.

Financial Support in Retirement

Pension Attachment Orders are often used to provide ongoing financial support to the recipient upon the member’s retirement. This can be particularly important for individuals who may have sacrificed their own career and pension contributions to support the family or the member’s career.

Equitable Division of Assets

In cases where other assets are insufficient to achieve a fair settlement, Pension Attachment Orders can ensure an equitable division of financial resources. This is especially relevant when the pension is one of the most substantial assets in the marital estate.

Security of Future Payments

Pension Attachment Orders can provide security for future financial payments, ensuring that the recipient continues to receive support even after the pension holder retires. This can be crucial for individuals who may not have other sources of income in their later years.

The Pension Attachment Order Process

The process of obtaining a pension attachment order involves several stages, each requiring careful preparation and strategic planning. At DLS Solicitors, we guide our clients through each step to ensure they achieve a fair and equitable financial settlement.

Initial Steps

  1. Financial Disclosure: Both parties must provide full and frank disclosure of their financial circumstances, including detailed information about all pension schemes. Accurate and comprehensive disclosure is essential for ensuring a fair pension attachment order.
  2. Negotiation and Mediation: Before going to court, parties are encouraged to negotiate and mediate their financial arrangements. Mediation can help reach a settlement without litigation.

Court Proceedings

If negotiations fail, the Pension Attachment Order process proceeds to court. The process involves several stages:

  1. Application: The process begins with one party (the applicant) filing a Form A with the court, formally requesting financial orders, including a pension attachment order. The court then sets a timetable for the proceedings.
  2. First Directions Appointment (FDA): The first court hearing is the FDA, where the judge reviews the case and issues directions for further disclosure, valuations, and expert reports if necessary. The aim is to identify the issues in dispute and plan the next steps.
  3. Financial Dispute Resolution (FDR) Hearing: The FDR is a without-prejudice hearing, meaning the discussions and negotiations cannot be used as evidence in later stages. The judge provides an indication of the likely outcome, encouraging the parties to reach a settlement. While the judge’s indication is not binding, it serves as valuable guidance for both parties.
  4. Final Hearing: If the parties are unable to settle at the FDR, the case proceeds to a final hearing. At the final hearing, both parties present their evidence and arguments, and the judge makes a binding decision on the Pension Attachment Order.

Factors Considered by the Court

The court considers various factors when determining pension attachment orders, as outlined in Section 25 of the Matrimonial Causes Act 1973. These factors include:

The welfare of Any Children

The court prioritises the welfare of any children involved, ensuring that their needs are met and that the financial settlement provides stability and security for them.

Income and Earning Capacity

The court assesses each party’s income, earning capacity, and financial resources, including potential future earnings. This helps ensure that the Pension Attachment Order reflects both parties’ financial realities and capabilities.

Financial Needs and Obligations

The court evaluates the financial needs, obligations, and responsibilities of each party, ensuring that the Pension Attachment Order addresses these considerations appropriately.

Standard of Living

The standard of living enjoyed by the parties during the marriage is taken into account. The court aims to ensure that both parties can maintain a reasonable standard of living post-separation.

Age and Health

The age and health of each party are considered, as these factors can impact their financial needs and earning capacity. For example, an older party or one with health issues may require a larger share of pension benefits for security.


The court recognises both financial and non-financial contributions made by each party to the family, including homemaking and childcare. This ensures that contributions impacting future earning potential are fairly compensated.


In rare cases, the court may consider the conduct of the parties if it is deemed gross and inequitable to disregard it. However, conduct is generally not a primary consideration in determining Pension Attachment Orders.

Strategic Considerations

Successfully navigating the process of obtaining a Pension Attachment Order requires strategic planning and expert legal advice. At DLS Solicitors, we work closely with our clients to develop effective strategies tailored to their unique circumstances.

Early Settlement

Where possible, we encourage early settlement through negotiation and mediation. Early settlement can save time, reduce legal costs, and minimise the emotional stress of prolonged litigation. We help our clients engage in constructive negotiations, aiming to reach a fair and mutually acceptable agreement.

Comprehensive Financial Disclosure

Full and accurate financial disclosure is crucial for ensuring a fair Pension Attachment Order. We assist our clients in preparing detailed and transparent financial disclosures, including all relevant documents and information. Incomplete or inaccurate disclosure can lead to delays, additional costs, and unfavourable court outcomes.

Valuation of Pension Assets

Accurate valuation of pension assets is essential for achieving a fair Pension Attachment Order. This includes obtaining up-to-date valuations and understanding the specific terms and conditions of each pension scheme. We work with reputable pension valuers and financial experts to ensure that all pension assets are accurately assessed and valued.

Consideration of Future Needs

When negotiating or litigating pension attachment orders, it is important to consider the current financial situation and future needs and contingencies. This includes future income potential, retirement planning, and the needs of any dependent children. We help our clients plan for the future, ensuring that financial arrangements are sustainable and equitable.

Legal Representation and Advocacy

Effective legal representation is key to achieving favourable outcomes in pension attachment order cases. Our experienced solicitors provide robust advocacy, presenting compelling arguments and evidence to support our clients’ positions. We ensure that our client’s interests are protected and they receive a fair share of the pension assets.

Case Studies

o illustrate the practical implications of Pension Attachment Orders, let’s examine a few case studies:

Case Study 1: Equalising Retirement Income

After 25 years of marriage, John and Mary decided to get a divorce. John had a substantial pension fund from his job, while Mary had a smaller pension due to her years as a homemaker. The court issued a Pension Attachment Order, which allocated a portion of John’s pension benefits to Mary when he retires. This decision aimed to ensure that both parties could uphold a reasonable standard of living in retirement, taking into account Mary’s contributions to the marriage.

Case Study 2: Providing for Future Needs

Emma and David’s marriage ended after 15 years, with David having a lucrative pension scheme as a company director. Emma, who had supported David’s career and raised their children, had limited pension savings. The court issued a Pension Attachment Order to provide Emma with a portion of David’s pension benefits upon his retirement, ensuring her financial security and recognising her non-financial contributions to the family.

Case Study 3: Balancing Immediate and Future Needs

Sophia and Alex were getting a divorce after 10 years of marriage. Alex had a significant pension fund, but Sophia needed immediate financial support for housing and living expenses. The court addressed Sophia’s immediate needs and her future security by granting a combination of a lump sum payment and a Pension Attachment Order. This arrangement ensured that Sophia had the necessary resources to start her new independent life while also securing a portion of Alex’s pension benefits for her future.

Navigating the complexities of Pension Attachment Orders requires expert legal assistance and guidance. At DLS Solicitors, we offer a range of services to support clients in all aspects of pension division, including:

Legal Advice and Consultation

Our experienced solicitors provide tailored legal advice on the Pension Attachment Order process, helping clients understand their rights, options, and potential outcomes. We guide clients through each stage, from initial disclosure to final settlement or court decision.

Mediation and Negotiation

We assist clients in exploring mediation and negotiation as alternatives to court proceedings. Our solicitors facilitate constructive discussions, aiming to achieve amicable settlements that meet our clients’ needs and objectives.

Court Representation

For clients who require court intervention, we provide robust representation and advocacy throughout the Pension Attachment Order process. Our solicitors are experienced in presenting compelling arguments and evidence, ensuring that our clients’ interests are protected.

Financial Planning and Asset Protection

We help clients plan for their financial future, considering both immediate and long-term needs. Our solicitors provide advice on asset protection, tax implications, and retirement planning, ensuring that financial arrangements are sustainable and beneficial.


At DLS Solicitors, we understand that pension attachment orders are more than just legal directives. They are critical steps towards achieving financial stability and security following the breakdown of a marriage or civil partnership. Our commitment to providing expert guidance, personalised advice, and robust legal support ensures that our clients can navigate the complexities of pension attachment orders with confidence and clarity.

Whether you are seeking to resolve pension division amicably through negotiation or require court intervention to achieve a fair outcome, our team at DLS Solicitors is here to assist you. We are dedicated to protecting your interests and helping you achieve a fair and equitable financial settlement, ensuring you can move forward with financial security and peace of mind.

Pension Attachment Order FAQ'S

A pension attachment order, also known as a pension earmarking order, is a court order issued during divorce or dissolution proceedings that directs a portion of one spouse’s pension benefits to be paid to the other spouse when the pension becomes payable.

A pension attachment order allocates a portion of the pension benefits to the ex-spouse when the pension is paid out. In contrast, pension sharing immediately divides the pension into two separate pots, giving each spouse independent control over their share.

Most types of pension schemes, including occupational pensions, personal pensions, and additional state pensions, can be subject to a Pension Attachment Order.

The pension provider enforces the order by directly allocating the specified portion of the pension benefits to the ex-spouse according to the terms set by the court.

A pension attachment order can include provisions for allocating a percentage of the pension income, lump-sum payments from the pension fund, and death benefits to the ex-spouse.


The order takes effect when the pension benefits become payable, typically upon the pension holder’s retirement or when they choose to draw their pension.

Yes, either party can apply to the court to modify or discharge the order if there are significant changes in circumstances. The court will review and decide based on the new information provided.

If the pension holder dies before the pension benefits become payable, the terms of the order may not be enforceable. However, some orders include provisions for death benefits, which can provide for the ex-spouse in such cases.

If the ex-spouse, who is the beneficiary of the pension attachment order, remarries, the order remains in effect unless the court specifically states otherwise. However, new financial circumstances may warrant a review of the order.

Pension Attachment Orders are generally enforceable only within the UK. Enforcing an order against an overseas pension can be complex and may require legal action in the relevant jurisdiction.


This site contains general legal information but does not constitute professional legal advice for your particular situation. Persuing this glossary does not create an attorney-client or legal adviser relationship. If you have specific questions, please consult a qualified attorney licensed in your jurisdiction.

This glossary post was last updated: 9th July 2024.

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Our team of professionals are based in Alderley Edge, Cheshire. We offer clear, specialist legal advice in all matters relating to Family Law, Wills, Trusts, Probate, Lasting Power of Attorney and Court of Protection.

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