Factors Guidance Hub

The benefit provided is a pension paid from the ex-partner's normal pension age (NPA) which for the STSS will be 60 if the member is a pre-2007 entrant and 65 if the member is a 2007 or later entrant or has mixed service.

In STSS, a lump sum of three times the pension is paid when the pension credit comes into payment if the ex-partner has NPA 60 and the member had not received a retirement lump sum at the time of the pension share. Special arrangements apply where the member was in further employment or had taken phased retirement benefits at the time of the pension share. Such cases should be referred to GAD.

The benefits are paid immediately if the ex-partner is already above their NPA.

Factors should be selected with reference to the ex-partner's sex and age at calculation date, and normal pension age. The factors used to calculate the benefits for the ex-partner should be consistent with the factors used to calculate the CETV. If there is any doubt over which factors should be used, please contact GAD.

The ex-partner's share of the CETV should be calculated.

If the member has previously received a lump sum, then the pension amount is the share of CETV divided by the relevant pension factor for an ex-partner aged x (F_x^P):

Pension amount = Share of CETV / F_x^P

If the member has not previously received a lump sum, then, subject to the restrictions outlined in the Pension credits on divorce: general considerations section, the pension amount is the share of CETV divided by the sum of: the relevant pension factor for an ex-partner aged x (F_x^P); and three times the relevant lump sum factor for an ex-partner aged x (F_x^LS):

Pension amount = Share of CETV / (F_x^P + 3 x F_x^LS)

If the ex-partner has NPA 65 in the STSS they will not be entitled to an automatic lump sum. The pension amount is the share of CETV divided by the relevant pension factor for an ex-partner aged x (F_x^P):

Pension amount = Share of CETV / F_x^P

The relevant factors for the STSS, set out in the Factor Tables, are as follows:

Table STSS_PC_M60: Factors for male ex-partners, STSS, NPA 60 (Table x-313 in the consolidated factor spreadsheet)
Table STSS_PC_F60: Factors for female ex-partners, STSS, NPA 60 (Table x-314 in the consolidated factor spreadsheet)
Table STSS_PC_M65: Factors for male ex-partners, STSS, NPA 65 (Table x-315 in the consolidated factor spreadsheet)
Table STSS_PC_F65: Factors for female ex-partners, STSS, NPA 65 (Table x-316 in the consolidated factor spreadsheet)