How do I find lost personal pensions?

I know I had a pension with my first employer, but I don’t know who it was with or where any of the paper work is. How do I go about finding it?

Question asked by Ross Grey
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Answered by Andrew Jenkinson

If you’ve worked for several different employers over the years and contributed to lots of different pension schemes, it isn’t always easy to stay on top of all the paperwork.

Pension Tracing Service

If you need help finding a lost pension from previous employers, you should consider using the government’s Pension Tracing Service. The service is free to use and can help you locate both workplace and personal pensions. However, once your particular pension plan has been located, the Tracing Service can only provide the address of your scheme provider, so it will be up to you to follow things up with them.

The telephone number for the Pension Tracing Service is 03456002537, and the website address is You can also contact the service by post, by writing to The Pension Service 9, Mail Handling Site A, Wolverhampton, WV98 1LU.

Speak to a Financial Adviser

Alternatively, it may be worth speaking to a financial adviser who can help to locate the pensions for you. If you have a number of pension schemes it may be worth consolidating them. Your adviser can get a valuation for each pension and talk you through whether the fund performances and charges are competitive. For more information please read our pension consolidation guide or give us a call.

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This information does not constitute financial or other professional advice. You should consult your professional adviser or contact us directly on 02084327333 should you require financial advice. It is important to ensure any insurance policy you take out is suitable for your needs.
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