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pension

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I was awarded a % of my ex husbands police pension when i turn 60 
If he loses his job or is sacked would that part of his pension still go to me even if he loses his pension right through losing his job

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  • Brie
    Brie Posts: 14,490 Ambassador
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    Was this due to divorce?  If so I would think there would be a pension sharing order put in place.  In any case I think you should be contacting the administrators to confirm what they hold for you and any conditions there might be on that.  
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  • elsien
    elsien Posts: 35,849 Forumite
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    If he is made redundant or sacked, then his pension is likely to be lower. 
    It may hinge on the specific wording on your agreement – because any percentage of a smaller amount would be a smaller payout. 
    All shall be well, and all shall be well, and all manner of things shall be well.

    Pedant alert - it's could have, not could of.
  • Exodi
    Exodi Posts: 3,831 Forumite
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    edited 2 July at 2:18PM
    If he loses his job or is sacked would that part of his pension still go to me even if he loses his pension right through losing his job
    Just to be clear - someone losing their job before they retire doesn't mean they lose their pension.

    It just means their payout might be less at retirement than it would have been if they worked the whole time (though of course that person may end up getting a different job and paying into a different pension).
    Know what you don't
  • Jude57
    Jude57 Posts: 732 Forumite
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    Exodi said:
    If he loses his job or is sacked would that part of his pension still go to me even if he loses his pension right through losing his job
    Just to be clear - someone losing their job before they retire doesn't mean they lose their pension.

    It just means their payout might be less at retirement than it would have been if they worked the whole time (though of course that person may end up getting a different job and paying into a different pension).
    I think for Police pensions there are different rules where, upon conviction of a criminal offence, the pension may be forfeit.  There's a well-respected poster, @Silvertabby who is, I believe, an expert on public sector pensions. Hopefully they will see this and offer advice.
  • Silvertabby
    Silvertabby Posts: 10,083 Forumite
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    edited 2 July at 5:03PM
    My background is LGPS rather than the public sector as a whole.  But some rules are very similar...

    In the case of pension sharing on divorce, if a PSO (pension sharing order) has been applied, then the (in this case) wife's %age will be placed in a pension record in her own name.  She would then be a 'pension credit member' and her benefits are completely seperate from her ex husband's pension.

    However, in the event that this is a earmarking order, very different rules apply.  In these cases (which are very rare nowadays) the pensioner husband draws his benefits, and then hands over the allotted %age as cash to his ex wife.  If the husband does forfeit his pension (rare, but possible in the police scheme) then the earmarking order to the wife will fail.  Ditto if they leave the police force before retirement - the earmarking amount will be a %age of the actual rather than the forecast pension.

    But, based on the information given by the OP, I'm inclined to think that this is a PSO.
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