Knowing the names of all your pension providers is far from easy. It’s important to know your provider name and policy number for all your pensions, so you can easily track down and access your pension contributions when you need to.
You will generally fall into one of the following four categories. Please choose the one that applies to you:
1. I think the pension I’m trying to find is a public sector pension (i.e. NHS, Council, Civil Service, Military, National Rail).
You’ll be unable to add this pension. If you can’t find your pension and think it’s a public sector pension, you will be unable to add these. This is because they’re defined benefit pensions which are highly valuable types of pension which offer guaranteed benefits which most other pensions don’t, such as an annual income throughout your entire retirement.
For this reason, and due to the complex nature of these pensions, we don’t review these types of pensions.
Examples of defined benefit pensions you can’t add - council pensions, NHS pensions, civil service pensions, military pensions.
2. The pension I’m trying to add is a previous workplace pension and I have access to a previous pension statement or letter regarding this pension.
Check your pension statements. These are sent annually by your pension provider and contain all the information you need, including your provider name and policy number. These two things are the only details you’ll need.
There’s a good chance you might not be receiving all your pension statements for all your pensions. This could be because your provider has an old address on their record.
If you can’t find any pension statements for the pension you’re trying to add, please go to number 3.
3. The pension I’m trying to add is a previous workplace pension, but I DON’T have any pension statements or letters regarding this pension.
Contact your past employer. If you’re confident the pension is a previous company pension scheme, the quickest way to find out your pension provider name and policy number is to contact your employer directly.
Large companies usually have a dedicated team dealing with company pension enquiries. To save time with large organisations, just google your company’s name followed by ‘employee pension scheme’, which should give you contact details specifically for pension enquiries.
If the company you worked for was a smaller company, it’s worth just contacting the main company number so you can get re-directed to the right place. Once you’ve managed to identify the pension provider and policy number of the pension, it’s worth checking your provider has updated details (current address, current name) as this could delay a transfer later if you do decide to switch.
If your employer informs you that you’re in a defined benefit pension, then please don’t add this pension as we don’t review or advise on these pensions. These are particularly complex pensions which come with valuable benefits.
If the employer you need to contact no longer exists then go to number 4.
4. I don’t remember anything about this pension and don’t receive pension statements for it.
Go through our pension tracing journey. If you don’t receive statements for this pension and don’t recall any details, there’s a chance you may have a missing pension.
We offer a pension tracing service that allows you to track down any missing SERPS (State Earnings Related Pension Scheme) pensions. For more information on what SERPS is, please read our blog on ‘What is SERPS?’
If you think you may have lost SERPs contributions, please sign up here to start your pension tracing journey. The cost for getting advice on your pension if you go through our additional tracing service is 2.95%, which is 1% higher than our standard fee of 1.95% due to the additional work and cost associated with finding your pensions through HMRC. As always, this is only taken from your pension pot value if you decide to switch with us following our advice and would be deducted directly from your pension pot.