People invest in pension plans and schemes to ensure they have financial security in place for when they retire. Businesses set up pension plans for their employees to provide a more attractive working environment, foster a secure environment and promote loyalty among the workforce.

Both employers and individuals should be aware of the rights and responsibilities associated with pensions.

As an employee or the beneficiary of pension you should be know :

Is an employer obliged by law to provide me with a pension?

What rights do I have to a state pension?

If I get divorced, what will happen to my pension?

If I get divorced, does my spouse have a right to  take a share of my pension?

As an employer should know:

As an employer do I have to provide my employees with a pension?

What are the tax benefits of providing a pension plan for my employees?

What steps do we need to take to create our employee pension scheme?

Pension Law is no different to any other aspect of Family Law, in that, it is subject to change through legislation and case law, it is important to be aware of these changes and Family Law Cardiff can advise and help with this making sure you know how pension law affects you as an individual or an employer.

For example a key Act which can answer many of the questions above is the Pensions Schemes Act 1993 (PSA 1993) which covers:

  • Occupational pensions
  • Personal pensions
  • Pension schemes
  • Rights to state pensions.

There is also the Pensions Act 1995 (PA 1995) which introduced many changes. Before this act a pension scheme member divorcing his spouse could be forced by a court to "pay a bigger share of their matrimonial property compared to a situation where where no pension rights existed".

Family Law Cardiff will put you in touch with the best lawyers  and advisors on pension law in  Cardiff who will give you the best pension law advice available.

Call Family Law Cardiff on 0292 009 8361 or fill out our online form, you can also email This e-mail address is being protected from spambots. You need JavaScript enabled to view it .