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How can I find an old pension?


If you’ve changed jobs over your working life and paid into your employers’ pension schemes, you will have built up pension entitlement along the way.

According to a study by charity Age UK , the average 65-year old has had five or six jobs throughout their career and one in 10  has lost track of one or more of the pension schemes they’ve joined in that time.

Age UK, the UK’s largest charity working with and for older people, also found that younger workers are more likely to switch jobs more often – a quarter of today’s ‘millennial generation’ of  workers aged 25-34 have already had a similar number of employers as those approaching retirement – meaning the problem of misplaced pension pots is only likely to get worse.

Figures from financial information provider Unbiased show that there is around £5 billion in pension savings sat unclaimed.

If you’ve lost track of your pension savings over the years, the first step is to contact the pension trustees of your past employers to see your entitlement. If you can’t remember or can’t find the details of past employers – they may have moved or merged over the years – then the government Pension Tracing Service can help you track them down. The Pension Tracing Service can also help you track down any private pensions you may have taken out.

If the service can find your pension, it will give you your provider’s contact details, but it’s up to you to get in touch with them to find your pension and make arrangements. For more details, you can contact the Pension Tracing Service on 0845 6002 537 or visit

This article has been commissioned by retiresavvy and any opinions voiced are the author's own.

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It can be tricky keeping on top of all your pensions but it is essential. I used to work at the Pension Protection Fund and the organsiation was forever trying to reunite peopple with their pensions.
The pensions tracking service is really simple to use and quick to reply. Within a week I had a letter detailing who and where to write to and a form to send and complete and send off. awaiting reply from former company now.

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