Additional State Pension and What to put on D81?

Dear All,

I am a little confused still on what to insert as a value into Form D81 Section (f) Pension Value.

I see from the money advice service that Pensions you can divide include:

Personal pension scheme
Schemes you have through work
Additional State Pension (but not the basic State Pension)

I have submitted a form BR20 to Pensions Service to get the CETV of the state pension, on the basis that I need to find out the Additional State Pension.

However, I have checked the Government website and it states (www.gov.uk/additional-state-pension)

"The Additional State Pension is an extra amount of money you could get on top of your basic State Pension if you’re:

- a man born before 6 April 1951
- a woman born before 6 April 1953

You get the new State Pension if you were born on or after this date. You won’t qualify for the Additional State Pension, but you might still be able to inherit Additional State Pension from your partner."

The reason I am concerned is that the pension service stated that on receiving the form, it could take them 40 working days to 3 months to send the valuation.

Based on the above, my wife and I were born in 1985 and 1986 respectively, am I right in thinking that we WONT qualify for the Additional State Pension? And there is no point waiting 3 months to submit the Form D81 and Consent Order? We are both anxious to move on and put the Divorce behind us.

We do have private employer pensions (2 for me, and 1 for her), and no personal pensions. I assume the CETV of these are the only values we insert at Form D81 Section F?

Thank you in advance, and apologies for the long post.

It is still possible to divide state second pension upon divorce, but if you are not already retired (or the proceedings have started since April 2016) then the only amount that can be shared is what is known as the 'protected payment'.

As you are both so young I think it would have been impossible for you to have built up enough additional state pension to have a protected payment.

In addition you mention you have employer pensions - you were almost certainly 'contracted out' with those and therefore would not have been building up entitlement to state second pension anyway.

If you were in your fifties then it would be reasonable to wait for the valuation, in your case there's no need as the protected payment value will be zero.

Luna,

Thank you so much for this advice, it is appreciated and makes sense.

We will proceed to fill the D81 Form in and finalize the Consent Order.

I note you are a respondent also - good luck with your own divorce.

Thanks