Understanding the Pension Tracing Process

‍Authorisation

​We will conduct an initial search to locate where your pension(s) may be, however, to confirm we need your written authorisation due to data protection laws.

To have authority to trace the pensions on behalf of yourself or a loved one, we do require a signature on our Letters of Authority. This is to show pension providers that you have permitted us to gather any pension information you may have with them.

You can get further information on what we do with the information you provide us by visiting the pages below.

Search

​We search for pensions by contacting the pension providers who administered the pension scheme(s) of your previous employer(s). Your signed letter of authority will be sent to the provider(s)who then undertake a search on their system to locate your details.

If they are unable to locate any of your details, don't worry! We have many pension schemes that we can check for you to trace your pensions.

Sometimes we may require a little bit of additional information or proof of some details. This may include things such as up to date proof of address, evidence of name change. This will allow the providers to update their records, enabling them to find your details more quickly in the future.

Report ​

We have qualified pension specialists who will assist you in the pension tracing process. Once we have gathered as much information as possible, your allocated specialist can start your pension review. We'll find out the value of your pension, how well it's performing and what you're paying in charges. Then we'll check the whole market to show what is available in the market today, the costs and how you can use your pension savings.

The Pension Tracing Service® seeks to find your missing pension and offers information on the current pensions market. If you wish, you can receive advice from an Independent Financial Adviser.

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