Individuals

We work with pension scheme trustees, scheme managers and your employer to help protect your workplace pension. Please note: We do not deal with queries about individuals' pension benefits - these should be directed to the Pensions Advisory Service.

You may find the information sources below useful if you are a worker or member of the public looking for information on workplace pension issues such as automatic enrolment and pension liberation.

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Automatic enrolment

Automatic enrolment has begun. This means that employers will need to automatically enrol certain workers into a pension scheme and make contributions towards it. Check whether automatic enrolment affects you.

Are you a worker?

Gov.uk: Will you be automatically enrolled into a workplace pension?
Check if your employer needs to auto enrol you into a pension scheme
Money Advice Service: automatic enrolment guidance
Automatic enrolment guidance and tools for workers
The Pensions Advisory Service: automatic enrolment information
Free independent guidance on automatic enrolment for members of the public

Are you an employer?

Find out your staging date
The date the new law is 'switched on' for your business
Automatic enrolment - act now
All our automatic enrolment guidance for employers in one place

Pension liberation fraud

Pension liberation fraud (also known as 'pension unlocking' or 'pension loans') involves releasing your pension early and can leave you with little or no pension. Find out about the dangers of early pension release.

If you are a pension scheme member and you're concerned that you may have been targeted by pension liberation fraud, contact Action Fraud on 0300 123 2040.

You can also find guidance from the Pensions Advisory Service:

The Pensions Advisory Service: pension liberation fraud leaflet (PDF)
The warning signs of pension liberation fraud

Whistleblowing

If you have concerns about the workplace pension scheme an employer is providing, or about how it is being run, you should report this to us:

Reporting a concern
When you should whistleblow about workplace pension concerns

Complaints, advice, planning and tax

The Pensions Advisory Service: how we can help
Help with your individual pension queries and complaints
Money Advice Service: pensions and retirement
Guidance and tools to help you plan your retirement
Unbiased.co.uk
Find an independent financial professional

Gov.uk: Pension Tracing Service
Trace your lost pension schemes
Gov.uk: basic state pension guide
Who is eligible, what you will get and how to claim
HMRC: pension scheme tax reliefs and charges guidance
Tax reliefs and charges that may apply to your pension scheme