Nowadays, few people stay with the same company throughout their working life. If you moved jobs at any time, you might have several pension pots. You might even have pensions saved with companies you’ve forgotten working for. And if you’ve moved house details held about you by previous employers, or pension providers could be out of date.
The good news is that there are several companies that can help. They're all free to use:
- The Pensions Tracing Service can help you trace pensions from previous employers. All you need is the name of the employer or pension plan.
- The Pension Protection Fund protects the pensions of millions of people. If the company you’re trying to trace is no longer in business, they might be able to help.
- The Companies House website can help you find information on companies you worked for in the past.
Having lots of different pensions can also be hard to keep track of. You might want to consider putting them all in one place. Known as pension pot consolidation, having everything in one place may mean lower charges and you’ll have less statements to keep an eye on.
You’ll need to check whether you’re pensions can be transferred as not all can and should be. Some offer guaranteed benefits which need to be carefully assessed to ensure you aren’t worse off by combining pensions.