Lost pension

Kste1

xylophone said:

Presumably your mother is in receipt of her state pension.  

Have a look at her increase letter  from around March this year.

Is a Contracted Out Deduction shown?  Assuming that she is not a widow to whom this only applied after becoming the beneficiary of  a late spouse's pension, this would indicate that at some point she was a member of a contracted out pension scheme.

If she worked in hospitals, there is a chance that she was a member of the NHS scheme.

she applied for her record from HMRC last year 

That's great thank you i will have a look at her letter if it doesn't mention Contracted Out Deduction would this indicate she wasnt apart of a contracted out scheme ill try again with the SAR thank you 

xylophone

if it doesn't mention Contracted Out Deduction would this indicate she wasnt apart of a contracted out scheme 

It's more a case that if there is a COD, then she was a member of a Contracted Out Scheme at some point before April 5 1997.

That said, mistakes happen and there has been a catalogue of errors and omissions in DWP systems.

After that date a different arrangement relating to contracting out.

She will likely have some Graduated Pension.

What is shown on her letter by way of Additional State Pension?

If she was employed and earning between the late sixties and up to her state pension age (2012/13), and not contracted out between 1978  and SPA she should have a reasonable amount of SERPS/S2P (Additional State Pension).

LHW99

If she worked in hospitals, there is a chance that she was a member of the NHS scheme.

Kste1 Not wishing to be too discouraging, but unfortunately the NHS records of old pensions are not always complete - I seem to remember someone mentioning this on a thread here, and certainly my mother was never able to track down her hospital pension even when some pay slips confirming payments to the scheme were found.

You will need to provide as much information as possible in terms of dates, locations, and any official documents she may have retained.

Marcon

Marcon said:

Idiotcats said:

Hi thanks so much for the replies. The pension i had was with Equitable life a final salary pension scheme.  I got n touch with Utmost who took the pension scheme over. Their  reply was that all the funds from my employer were transferred in bulk to Hewlett Bacon and Woodrow. I then tried to find contact details for this company only to find they had been dissolved. 
My employers pension scheme after Equitable life went under, was kept informed of my change of address so i assumed that was sufficient - i still get info from them annually.
Whilst trying to find my pension i found the government scheme to reimburse Equitable Life pension holders for lost monies-it closed in 2015 !! 
I really dont know what to do next-except cry over my lost pension.

The policyholder would have been the trustee of your final salary scheme.

I don't think you have lost your pension - just lost track of it. See if Gretel.co.uk throws up anything useful if you try searching via that.

Also worth contacting https://www.moneyhelper.org.uk/en/pensions-and-retirement for free, impartial help. They will be all too familiar with the Equitable Life saga!

Have you tried the links in my post above, particularly Gretel.co.uk?