Find your lost and old pensions

If you've moved jobs during your working life, you may have lost track of some of the pension schemes for previous companies you've worked for. You can contact previous employers and pension providers to get the details of these, although this can be time-consuming.

Our pension tracing service can help you find old and forgotten pensions from previous employers, and only takes about 2 to 12 weeks.

You just need to tell us the name of your pension, or the company you worked for and then for a fee of £100 we'll do all the hard work for you and find out how much you have saved, and where.

Before you go any further

If you want to find and combine your pensions into one Legal & General product, our consolidation service can help you do this.

Our pension consolidation service

The People’s Pension 'Lost pension pots' research in 2018 and Association of British Insurers (ABI) research in 2020, reveals:

There is nearly £20 billion of unclaimed pensions from 1.6 million pension pots
Research shows that only 40% of employed people in the UK know where all of their pension details are
The UK is forecasted to have 50 million dormant and lost pensions by 2050

Can I trace my own pensions?

You can use the Government's Pension Tracing Service and contact your previous employers and pension providers yourself. This can be time-consuming, especially if you have a number of previous jobs.

For a one-off fee of £100, we'll do the hard work for you.

How does our pension tracing service work?

Q: How do I find lost and old pensions?

We can do this for you. We’ll need you to tell us what you can about your old pension plans or previous employers, some basic personal information and payment of the £100 fee to register. Then we’ll get to work tracing your pensions for you and keep you updated on our progress.

Q: How do I find out if I have a pension from a previous employer?

Providing us with details of your previous employers lets us run checks on whether you have a pension in place through that company. Your pension is held separately to the company, so even if they don’t exist anymore we should be able to find any associated pension.

Q: How long does it take to trace pensions?

Once we have the details of your previous jobs and pension schemes, and you’ve confirmed you want to proceed, the tracing service normally takes about 2 to 12 weeks. Throughout the tracing process, you can check progress online by logging in to your dashboard.

Q: What if I decide after paying that I would like to consolidate?

If you decide to consolidate one or more of your pension pots to one of our products within six months of us tracing your pensions, we’ll refund your £100 tracing fee. Once you’ve successfully applied for one of our products and your cancellation period has expired, we’ll process your refund within 14 days. The refund will go back onto the card you paid your tracing fee with.

- Register
  
  We'll need some basic information about you and agreement to proceed on your behalf. We'll also ask you for information on your previous employers and pension providers to help us trace your pots.
- Pay
  
  We’ll ask you to securely enter your payment card details so that we can take the £100 payment.
- Trace
  
  We'll search for your pensions and contact providers on your behalf to find out the details of your pensions.
- Review
  
  We'll email you each time we find a pot and you can see details on each in your personal, secure, dashboard.
- Next steps
  
  We’ll also share your possible next steps and if you decide to consolidate with us in the future you may be eligible for a refund.
- The End

What we can't trace

We're unable to trace the following pension schemes with our tracing service: The Civil Service Pension, except for Additional Voluntary Contribution Schemes, or any pension scheme not located within the United Kingdom.

Common questions

How do I find lost and old pensions?

How do I find out if I have a pension from a previous employer?

What information do I need to trace my pensions?

To help us find your lost pensions, you need the name of the company you worked for and when you worked there, or the pension provider that administered your company scheme. It doesn’t matter whether the company is still trading under that name or even if it’s still in business. It should still be on the database. You may also be asked for the nature of the company’s business and your job role.

How long does it take to trace pensions?

What if the company I used to work for has gone bust or no longer exists?

Your pension savings should be held separately from the company finances.

If it’s a final salary scheme (Defined Benefit), you may not get 100% of the benefits you were entitled to. However, the Pension Protection Fund was set up by the government to protect the final salary pensions of people who worked for companies that no longer exist. It can pay 90% of your benefits if you’re below retirement age or 100% if you’re over retirement age (though there is a cap for higher earners).

What if I decide after paying that I would like to consolidate?

Ready to get started?

Start tracing your old pensions today.

Getting started

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Pension tracing

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