Pensions explained

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Pension Rules

Our Pension Rules section will get you up to speed on the latest UK pension legislation. Learn more about the pension age, the pension protections in place, and the death and divorce rules that currently apply.

How does divorce affect the State Pension?

Learn more about how the way divorce affects your State Pension will depend on when you reached or will reach your State Pension age.

How does divorce or remarrying affect your pension?

Find out how when you enter a marriage or civil partnership there can be legal consequences that may impact your pension.

How long after divorce can you claim a pension?

Find out how long after a divorce you can claim your ex-partner’s pension and what rules apply.

How much tax do you pay inside IR35 on pension contributions?

Find out how IR35 legislation has an effect on pension contributions and what this means for you.

How the 2027 Inheritance Tax changes affect your pension

From 6 April 2027, most unused pension pots will fall within the Inheritance Tax net. See who's affected, the 40% rule, and what you can do to plan ahead.

You have to be a certain age to claim the State Pension and a certain age to access your personal and workplace pensions. Learn more.

Pension Attachment Orders and Earmarking

A Pension Attachment Orders and Earmarking redirects part or all of the member's pension benefits to the ex-spouse or civil partner.

Pension beneficiaries

When you die your beneficiaries may be able to access your pension depending on your age and the pension itself. Find out more.

Pension Credit is a benefit you may be eligible to receive if you’re retired and earn below a certain income threshold. Learn about the different types.

Pension death benefits

Learn how death benefit policies in your pension, or insurance policies, can help your family financially when you pass away.

Pension legislation

Find out more about the latest UK pension legislation changes and what they mean for your pension.

Pension Offsetting

Pension Offsetting’s one of the options available to you when you’re splitting assets in a divorce or when you’re dissolving a civil partnership.

Pension rules after bankruptcy

If you declare yourself bankrupt, any pensions you have could be affected. Learn about rules that could apply.

Pension rules after death

When you die your spouse, civil partner or beneficiaries may be able to access your pension. Find out more.

Pension Sharing Order

Find out how with a Pension Sharing Order, a court may order your use a Pension Sharing Order with a former partner to split their pension with you.

Protected Pension Age

Protected Pension Age (PPA) is a rule in the UK that allows some people to access their workplace pension before the Normal Minimum Pension Age (NMPA).

SERPS is a government-run Additional State Pension scheme. If you qualify for SERPS you could increase your retirement income.

What does capital at risk mean?

The term 'capital at risk' is often used by financial institutions when promoting their product or service. But what does it mean?

What happens to my pension if I am made redundant?

If you’re made redundant, your employer will stop making payments into your workplace pension. Find out what you can do.

What happens to my pension if I move abroad?

If you’re living abroad, finding your old pensions can be a headache. Here’s how PensionBee can help, no matter where you are in the world.

What happens to your pension when in hospital?

If you're retired and go into hospital, you'll continue to receive your workplace pension and State Pension income as normal. Learn more.

What is a widow’s pension?

Learn what a widows pension is and discover the eligibility criteria for bereavement benefits from the government.

What is medical retirement?

If you’re facing long-term illness or disability, you may be able to access your pension early through medical retirement.

What is pension clawback?

Pension clawback involves cutting a former employee's company pension on the grounds that they also receive the state pension.

What is the FSCS?

Find out what the Financial Services Compensation Scheme (FSCS) is and how it can help you.

What is the Pension Protection Fund?

The Pension Protection Fund is a fund that can pay compensation to members of defined benefit pension schemes, if the employer goes bust.

What is the Pensions Ombudsman?

Find out what the Pensions Ombudsman is and how they can help you if you have a complaint about your pension scheme.

What is the Pensions Regulator?

The Pensions Regulator is the UK public body that regulates work-based pension schemes. Find out more.

Women Against State Pension Inequality (WASPI)

Find out what the WASPI campaign is about, how pension age changes have affected women born in the 1950s, and what support is available.

Workplace pension law

The law now obliges every workplace to offer a workplace pension scheme and to make contributions to employee pension plans.

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