Pensions are often one of the most misunderstood parts of separation.
Many people assume that once they separate—especially if they start a new job—their pension is automatically protected. Unfortunately, it’s not always that simple.
Are pensions included in separation agreements?
Yes. In Ireland, pensions are considered part of the overall financial settlement during separation or divorce. This can include:
Existing pensions
Future pension benefits
Contributions made during the relationship
What is a Pension Adjustment Order?
A Pension Adjustment Order (PAO) is a legal order that allows a pension to be divided between spouses. It determines:
How much of the pension is shared;
Who receives what portion;
What about a new job after separation?
Even if you start a new job after separation your financial situation may still be considered as part of the overall agreement. It depends on the specific circumstances and what is agreed or legally decided. This is why it’s important to get clarity early.
How mediation helps with pension discussions?
Pensions can be complex—but mediation helps by:
Breaking things down clearly;
Allowing both parties to understand their options;
Supporting fair and informed decisions;
Final thought
Pensions are too important to overlook or assume. Getting the right information—and having the right conversations—can make a significant difference to your future.