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Transfer process decision tree: transcript

Appendix 1: Transfer process decision tree

This is a transcript of the decision tree intended as supporting material for the guidance on dealing with transfer requests.

1. Is condition one met?

Yes – Proceed with the transfer.

No – Go to 2.

2. Is the receiving scheme occupational?

Yes – Go to 3.

No – Go to 4.

3. Is there sufficient evidence of an employment link?

Yes – Go to 4.

No, failed to provide evidence – Refuse the transfer.

No, insufficient evidence – Go to 5.

4. Is the transfer to an overseas scheme?

Yes – Go to 6.

No – Go to 8.

5. Is the transfer to an overseas scheme?

Yes – Go to 6.

No – Direct member to MoneyHelper.

6. Is the transfer to a qualifying recognised overseas pension scheme?

Yes – Go to 7.

No – Go to 9.

7. Is there sufficient evidence of overseas residency?

Yes – Go to 8.

No, failed to provide evidence – Refuse the transfer.

No, insufficient evidence – Direct member to MoneyHelper.

8. Are there any red flags?

Yes – Refuse the transfer.

No – Go to 9.

9. Are there any amber flags?

Yes – Direct member to MoneyHelper.

No – Proceed with the transfer.