Throughout your working life you have more than likely contributed to more than one different pension scheme.
Maybe you are part of an old company scheme and in recent years have opened up a personal pension plan too. Do you still remember all of the details?
It is easy to lose the contact details of the various schemes, after all its not the top priority when you are deciding to change jobs now is it!
Losing scheme details or failing to notify a scheme provider of any new contact details could see you missing out on income in retirement.
Don’t worry, if you think you may have an old plan and need help tracking it down it may be worth making contact with the Government’s Pension Tracing Service. This can help you track down previous schemes and get back in touch with plan administrators.
What is the Pension Tracing Service?
The Pension Tracing Service is free and is operated by the Department for Work and Pensions. Beware of schemes looking to make a charge for tracking down your pensions! The service cannot put you in touch with an old schemes or tell you if you are entitled to any payments but it may be able to give you the up to date contact information you need to get back in touch with the providers yourself.
How to Trace a Pension Online
You can either trace your missing pensions online via the Pension Tracing Service website or you can call 0800 1223 170.
You will need to provide as much information as you can to help find a match. You’ll typically need to include:
- Your contact details.
- Details of who made the pension contributions.
- Information on the employer who offered the plan and your employment.
- Details of the company that set up a personal pension on your behalf.
If you can’t answer all the questions on the online form don’t worry. It may still be possible for the service to give you contact details for your plan’s administrators.