For Individuals
We work with pension scheme trustees and scheme managers, and with your employer, to help protect your pension.
Note: We do not deal with queries about individuals' pension benefits. The Pensions Advisory Service provides free information and advice on all types of pensions and should be your first port of call.
What to do if you:
have been approached to release your pension and turn it into cash
Our pension liberation section provides a warning about pension loans and tells you who to contact
want to trace an old work-based pension scheme
Directgov offers a pension tracing service if you've lost touch with your old scheme.
want to make a complaint about your scheme or trustees
The Pensions Advisory Service provides information on complaint procedures.
want clear and simple information on retirement for people in their 50s and over
Money Advice Service publishes a guide to help you make the transition from work to retirement. You can call them to order a copy on 0300 500 5000.
want information and advice on your pensions and retirement options
Money Advice Service provides a range of free, plain English guides - you can get copies sent to you in the post or you can download them from their website
want help with making the most of your money now and for the future
Take Money Advice Service's 10-minute healthcheck - it's free, unbiased and gives you a personalised action plan.
want to know how much state pension you'll receive
Directgov explains how you can apply for a state pension forecast.
were mis-sold a pension and want to make a complaint
Money Advice Service provides information on making a complaint. You can call them on 0300 500 5000.
have a query about tax on your pension
HM Revenue & Customs can help you with pension tax queries. You can call them on 0115 974 1600 or email pensionschemes@hmrc.gov.uk.
have a query about moving or living abroad and your pension entitlement
HM Revenue & Customs can help you with pension entitlement queries. You can call them on 0845 600 2622 or email pensionschemes@hmrc.gov.uk.
want to speak to someone regarding the best pension scheme to suit your needs
Unbiased.co.uk can help you find independent financial advice about choosing a pension scheme.
Essential guides
- Are your contributions being paid on time? (PDF, 141kb, 4 pages) How to keep a check on your pension arrangements
- Making your retirement choices - Think before you choose (PDF, 156kb, 23 pages) Help with choosing the best way to take your benefits from your pension scheme
- Making pension fund choices: think before you choose (PDF, 248kb, 5 pages) Essential considerations when deciding where your contributions should be invested