Advisers have been urged to check the state pension payments of women who divorced later in life as they could be missing out on large sums due to a loophole in the rules, according to consultancy LCP.

LCP said women aged 60+ who reached state pension age before April 6, 2016 could be due uplifts of more than £50,000 over the course of their retirement due to a little-known rule.

This is because they fall under the old state pension system which makes significant provision for divorced women.

If they divorced after pension age, they would only benefit from the pension uplift if they notify DWP of their divorce.

The uplift is due because under the old state pension system, a married woman who divorced can substitute her ex-husband’s national insurance record for her own up to the date of their divorce for the purpose of working out her basic state pension.

LCP analysis found that a married woman previously on the standard ‘married woman’s rate’ of £80.45 can instead get a basic pension of £134.25 if her husband has a full contribution record, equating to an extra £50,000 over the course of a 20-year retirement.

According to LCP, many may not be aware of this rule or may be put off trying. It urged advisers to check and make a claim to the Department of Work and Pensions in case there are missing payments.

For women who divorced and did not remarry before state pension age, any “substitution” based on her ex-husband’s national insurance record should have taken place when she claimed her state pension.

But where women divorce after retirement, an uplift will not take place automatically, therefore a claim needs to be made.

Steve Webb, partner at LCP, submitted a Freedom of Information request to DWP to see how many women were making claims post-retirement for their state pension to be reassessed. However, DWP does not hold this data.

Mr Webb is running a campaign to fix the issue of state pension underpayments for married women.

He has launched a petition calling on the government to search its records to identify all married women who may have been underpaid.