Top 10 Frequently Asked Questions 

How do I check my State Pension contributions?  Click the link, it will take you to site, you'll be able to follow the prompts

My pension provider doesn't offer the option I want. Don't they have to? The pension reforms allow providers to offer new options. If your provider does not offer the option you want, you should be able to transfer your defined contribution pension to another provider at any age before you begin taking a drawdown. However, there are advantages and disadvantages to transferring your pension including added costs. It is important you understand your options, disadvantages and the costs before making a decision.

I only worked in the UK a short amount of time, how do I get the full government pension? First thing you'll need to do is find out how many years you contributed, by following the above link. I would recommend seeking professional advice as to whether making up a missed contribution is right for you, how to make up missed contributions

Do I need a UK bank account to receive my UK pension? No, your provider should be able to pay your pension into any account you request.

Do I have to pay tax on my UK Pension? Yes. It is important you seek the services and consultation from a Certified Public Accountant (CPA).

I worked in the UK for numerous companies, how do I find out if I have a pension? If you think you may have contributed to various different pensions then you'll need to contact your previous employers and ask who administered the pension whilst you worked there, reach out the the administrator and ask them to send you an up to date pension statement, alternatively email me at I can do this for you at no cost. 

The company I used to work for is no longer around, what happened to my pension? Your pension will be somewhere, there is usually a paper trail to follow, first thing to do is reach out to the pension tracing service, as they will be able to tell you who is managing the pension now. This is something I can assist with, so if you feel you don't have the time or just want someone to take control, please contact me.

What happens to my pension after I am gone? Each pension plan has varying benefits, if you are wondering this, please contact me. I will be able to look specifically at your individual plan and advise appropriately. 

How do I find my National Insurance number? You can contact HMRC and request they send it to you, or follow this link

What is the difference between a Defined Benefit & Defined Contribution Pension? A Defined Contribution (DC) pension scheme is based on how much has been contributed to the pot and growth of that money over time. A Defined Benefit (DB) Pension will offer you a guaranteed amount of money each year in retirement. 


Not sure what pension you have? contact me at

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