Couples are divorcing after longer marriages, with consequences for their pensions

A new report from September 2026 reveals that the average duration of marriages ending in divorce has reached an all-time high, with 26% of divorcing couples having been together for over two decades. These "long marriages" present unique legal and financial challenges. Joint assets, such as bank accounts, property, and businesses, require intricate negotiations involving multiple professionals, adding emotional strain to the process.

Pensions often become a significant issue, particularly for couples approaching retirement. Divorce can disrupt retirement plans, especially for the spouse with fewer pension savings. In many cases, wives may be hesitant to claim their share of their husband's pension due to uncertainty about their legal rights. Matrimonial assets, including pensions built during the marriage, are typically divided during divorce, although this does not always mean splitting the pension itself.

The value of the pension can be offset against another asset, depending on the recipient's preference. However, this aspect must be considered when assessing long-term financial security. In some long-term marriages, one or both parties may have already retired and have an active pension, adding further complexity to the divorce proceedings.

It is crucial for couples to consider estate planning, including updating their Will, to ensure their wishes are respected following divorce. A Will may no longer favor the former spouse, which could lead to disputes if they pass away during or after the divorce proceedings.