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Case — Your employer list, schemes and letters, held only in this browser. Nothing is uploaded and there is no account.
Hmrc Letter — Addressed, filled in and ready to sign. HMRC must provide your employment record free of charge, within a month.
Learn Find Old Pension — Work back through every employer, trace each scheme, then ask the questions that decide what you actually hold. The free routes are named on every page.
Learn Protected Pension Age — The normal minimum pension age rises to 57 in April 2028. Some older schemes carry a protected age. Here is how to find out whether yours is one of them.
Learn Seven Questions — Value, scheme type, normal retirement age, protected pension age, guarantees, charges and exit penalties, death benefits. Why each one exists and what it reveals.
Learn Tracing Service — The government's free service gives you a scheme's current contact details. It does not give values, guarantees or charges. Here is where it stops.
Learn Lost Pension — Schemes that wound up, were bought out, transferred to an insurer, or went to the Pension Protection Fund. How to follow a pension when the company is gone.
Learn Pension Not On Dashboard — Small schemes, wound-up schemes, possible matches and matching failures. Why a pension you know exists may never appear, and the letter that finds it anyway.
Learn Possible Match — It means the scheme thinks it might be you but cannot confirm it. Here is what to send the administrator, what to ask, and how long you have to resolve it.
Learn Hmrc Employment History — Your Personal Tax Account shows about five years. The full record needs a written request, is free by law, and is the only route to every employer you ever had.
Learn Guaranteed Annuity Rate — A guaranteed annuity rate is a contractual right written into some 1980s and 1990s policies. It is not on a valuation or the dashboard. Here is how to check yours.
Learn Seven Questions Vs Dashboard — The published data model, question by question. Five of the seven that matter are absent and a sixth is a hyperlink. Free to reuse with attribution.
Free — The government tracing service, your HMRC employment history and MoneyHelper's letter templates are all free. Use them. Here is the one thing we charge for.
Free Pack — Free Pack on Pension Trail. A secure, private, and professional tool to help you locate and trace lost UK.
Never — Never phone you. Never email asking for scheme details. Never suggest a provider. Never take a penny from the pensions industry. Written down so you can hold us to it.
Pricing — One payment, one set of letters, no subscription. Say you cannot afford it and we send them anyway. No questions, no means test, no email required.
Pack Success — Pack Success on Pension Trail. A secure, private, and professional tool to help you locate and trace lost UK.
Login — Login on Pension Trail. A secure, private, and professional tool to help you locate and trace lost UK.
Register — Register on Pension Trail. A secure, private, and professional tool to help you locate and trace lost UK.
Forgot Password — Forgot Password on Pension Trail. A secure, private, and professional tool to help you locate and trace lost UK.
Reset Password — Reset Password on Pension Trail. A secure, private, and professional tool to help you locate and trace lost UK.