Retiring as a couple

Whether you are married, in a civil union or de facto (common law) spouses, your union can have an effect on your retirement income. The breakdown of your union - or your spouse's death will have other effects.

The definition of de facto spouse may differ for income tax returns and public or private pension plans.

What you need to know

• The definition of "spouse" 
• Sharing your retirement pension 
• Breakdown of a union 
• Death