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Pension Tracing

There’s an estimated 1.6 million pension pots worth £19.4 billion - the equivalent of nearly £13,000 each - which have been lost or forgotten.

To make sure you don’t lose out, we’re urging investors to check the whereabouts of all their pensions and claim back any that have been misplaced. If you’ve moved jobs or changed address you could have an old pension waiting to be found.

To help you hunt down your lost pensions, we’ve gathered some helpful tips and tools below.

Important information: The information on this website isn’t personal advice, if you’re unsure what’s suitable for your circumstances, please seek advice.

How to hunt down lost pensions

Look through old paperwork

You can start at home by looking through your paperwork to find any annual pension statements or starter packs you got when you first joined. If you’re not sure whether you had a pension with an old employer, you could look through your old employment contracts or payslips for any signs of pension contribution deductions.

Look out for details of the scheme administrator or the pension company holding your money.

Contact your old employers

If you can’t find any old paperwork, or the provider's details aren’t clear, then get in touch with your old employer. Confirm when you worked for them and ask for the name of the company’s pension provider at the time, along with their contact details.

If your employer has changed name or contact details since you left, you can try a simple search of Companies House to track down their new details.

Try the Pension Tracing Service

If you’re still having no luck and you need a helping hand, try the government's free Pension Tracing Service. The service can’t give you pension values or policy numbers, but it can help you find contact details for:

  • Your own workplace or personal pension scheme
  • Your civil service, NHS, teacher or armed forces pension
  • Someone else’s scheme, if you have their permission

Try the pension tracing service

Watch the HL National Pension Tracing Day Webinar

It’s easy to lose sight of old pensions. Thankfully our experts are on hand to help you track them down. Watch the webinar to:

  • Learn how to find old personal and workplace pensions
  • Understand what to check once you’ve found them all
  • Find out more about your retirement options
  • Discover how to prepare for retirement

Next steps once you've found your pension

Reconnect with your provider

Once you’ve found out which provider holds your pension pot, you’ll need to contact them directly to find out how much it’s worth, and to update them with your new contact details. They’ll probably need to do some security checks to verify who you are too. Make sure you have your past and present details to hand, like your previous names and/or addresses, and National Insurance number.

Review investments, charges and service

Now you’ve found your lost pot, it’s important to take a closer look. Check what the scheme rules are around your retirement age, and that your investments still match your attitude to risk and your financial aims. You should also check what fees you’re paying and how easy it is to access your pension online.

Bring your lost pensions together under one roof

If you’re less than satisfied, it could make sense to consolidate your pensions and transfer them to one easy-to-manage account, like the HL Self-Invested Personal Pension. Just check the fees first and that that you won't lose valuable guarantees or benefits. If you decide to go ahead, remember pensions are usually transferred as cash so you will be out of the market for a period.

  • More control - Manage your pension online, by phone, post, or through the HL app. See exactly what your pension is worth, and where it’s invested, 24/7.
  • Wide choice - Access thousands of investments and ideas from our experts to help get you started.
  • More support - Any questions, you only have to make one call - 0117 980 9926. Our helpdesk will answer your questions in plain English – no jargon.

Discover the HL SIPP

Get your guide to transferring a pension

Up-to-date information and excellent service on the odd occassion I've had to call.

MR CARPENTER

Awards

BEST BUY PENSION 2021
Boring Money


BEST SIPP PROVIDER
UK Investor Magazine Awards 2021


BEST FOR DIGITAL PENSION 2021
Boring Money


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Help and support

If you have any questions about pensions, you can speak to one of our UK-based client support experts.

Call us on 0117 980 9926

Alternatively, you can email us.