Private pension tracker: How can I track down pensions I might have?

When planning for retirement, it’s a good idea to find out how much income you will be getting. You may be eligible for the State Pension, but you may also have a number of private pensions you have contributed to over the years.

How can I track down pensions I might have?

Every year you should be sent a statement from any pension schemes you have opted into.

This statement will detail your estimated retirement income in that specific pension pot.

However, you may not receive these statements, maybe because you’ve moved house.


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According to the Money Advice Service, there are three avenues you can explore to trace down any pensions.

If you remember which pension provider you signed up with, you should get into contact with them.

You can also contact your former employer in the case of workplace pensions.

The Government website also has a pension tracing service, which you can use to find out contact details for your workplace or personal pension scheme.

To use the service, you will need the name of your previous employer to hand.

Although the service can find out your pension provider, it cannot tell you whether you have a pension.

The service will also not tell you how much is in your pension pot.

You will need to contact your pension provider directly for this information.


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How do I check my State Pension?

The State Pension is different from a workplace or personal pension.

The State Pension is a Government payment you may be eligible to receive after you reach retirement age.

How much of a State Pension you are eligible for will depend on your National Insurance contributions.

Under the terms of the new State Pension, you will need at least 10 qualifying years of National Insurance contributions.

This means for at least 10 years you were working and paying National Insurance contributions or were getting National Insurance credits if you were unemployed or a parent.

You may also be able to count qualifying years if you were paying voluntary National Insurance contributions.

To receive the full new State Pension you will need to have 35 qualifying years.

You can check your National Insurance record, and how much you are likely to receive from the state pension, on the Government website.

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