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Is there any charge for tracing my pensions?No, there is no charge for the Pension Tracing Service.Is this a government website?No, the Pension Tracing Service® is a trading style of Millennial Wealth Ltd and has been in operation since 2012 however, we do liaise with the DWP and HMRC to help trace pensions where necessary. If you would like to use the governments service see: -pension-contact-details. You can compare pension tracing services to by clicking here.Can you trace my contracted out of SERPS pension?Yes, part of the service is to contact HMRC to obtain any information they hold for your contracted out contributions. This will be held by a third-party administrator.How do I find my state pension forecast?A state pension forecast can be requested by either applying to the HMRC through the post with a BR-19 form (this can be found on either the government website application-for-a-state-pension-statement or you can download it from the Pension Tracing Service ® website by clicking here) applying through the government website -state-pensionDoes the HMRC hold records for all my pensions?Unfortunately not, HMRC only holds information on the schemes the members held if they opted out of SERPS while making contributions.How long does the process take?The time it takes to track your pension(s) can vary depending on how many pensions you have, where they are held and the information you can supply. Our tracing liaison team can help you understand the necessary information required, chase the relevant departments for a timely response and will contact you if they need any further information.Do you offer pension advice when my pension has been found?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 who is also part of Millennial Wealth Ltd. Wed like to use analytics cookies to collect information about how you use our services. This helps us to make them better. You can read more about our cookies before you decide. Are you sure your pension is lost? This is the first question you need to ask yourself.Depending on when you were a member of the scheme, and the type of scheme, you might not have automatically been entitled to a pension.You might have a certificate from a pension scheme, but it doesnt always mean that you have a pension entitlement. Over the years the rules around pensions have changed. As a result, whether or not you built up a pension and whether or not a pension still exists for you, may depend on when you were working.The information below explains whether you may have built up a pension and explains any conditions that may impact on a pension being kept for you.Please be aware that this is only a rough guide and might vary from pension scheme to pension scheme. If you left your employer before April 1975, its likely youll have had your contributions refunded. Some schemes didnt require the member to pay contributions. And if this was the case, you probably wont be entitled to any pension benefits from the scheme. If you left your employer between April 1975 and April 1988, were over age 26 and had completed five years service by the time you left, a pension may have been kept for you. If you left with less than five years service, you might have had your contributions refunded. If you left your employer after April 1988, you might be entitled to a pension. This is providing you had completed two years service. If you left with less than two years service, you might have had your contributions refunded. Tracking down a personal or workplace pension Most pension schemes must send you a statement each year.These statements include an estimate of the retirement income that your pension pot might give you when you reach retirement.First, check to see if you have any old paperwork which might have the name of your employer or pension scheme or details of the schemes administrator or provider. This will give you a good starting point.If youre no longer getting these statements – perhaps because youve changed your address – to track down the pension you can contact:the pension provideryour former employer, if it was a workplace pension, orthe Pension Tracing Service. If you know which provider your pension was with, your first step is to contact them.Theres a link below to a template letter for you to complete and send to them. However you contact them, you should provide as many of the following details as possible:your plan number.your date of birth.your National Insurance number.the date your pension was set up.And by asking the following questions, youll get a thorough overview of your pension pot:What is the current value of the pension pot?Is there a nominated recipient for any death benefits?How much has been paid into the pension pot?What charges are you paying for management of the pension pot?How much income is the pension pot likely to pay out at your chosen retirement date?How is the pension pot being invested and what options are there for making changes?Would there be any charges if you wanted to transfer the pension pot to another provider?Are there any special features, such as guarantees like a guaranteed annuity rate or a guaranteed minimum pension?What are the death benefits – in other words, how much money would be paid from the pension if you died? If you want to trace a workplace pension – a scheme arranged by a previous employer – your first point of contact should be the employer.However, if your employer provided access to a personal or stakeholder scheme, contact the pension provider if you know their details.If you dont know the pension providers details, ask your previous employer – they should be able to provide these.Again, youll find a link below to a template letter you can use for this.The main information youll need to provide is:your National Insurance numberthe date you stopped working therethe date you started work with the employerthe dates you joined and left the pension scheme.And the main questions to ask are:what type of plan it is – for example, defined benefit or defined contribution?unless its a defined benefit scheme, which pension provider is your pension with? If youre still struggling to make progress, you can contact the Pension Tracing Service.This could be because you cant find the contact details of an old employer, or you dont know the provider of a personal pension.The Pension Tracing Service is a free government service. It searches a database of more than 200,000 workplace and personal pension schemes to try to find the contact details you need.You can phone the Pension Tracing Service on or use the link below to search their online directory for contact details.Submit a tracing request form to the Pension Service via the GOV.UK websiteFind out more about the Pension Tracing Service on the GOV.UK website More help to find your pension It might be worth speaking to former colleagues to see if theyre able to help with tracing your pension. They may be able to give you details of the scheme, such as its name or contact information.If you paid into a personal pension, you might be able to check your bank statements to see where your payments were going.Was your pension a defined benefit or final salary? Then its possible that its been taken over by the Pension Protection Fund (PPF).When an employer is no longer able to pay the pension benefits promised to its members, the PPF will take over and provide the benefits (subject to limits).You can find a list of schemes the PPF looks after on the PPF websiteHave youve tried all the options above and are still unable to find your pension? The following services could help you to find the relevant contact details. This commercial website is a free service you can use to trace your old pension. But you have to know the name of the pension company your pension policy is with. The Association of British Insurers Was this information useful? Thank you for your feedback. 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