Old Pensions for Part Time Jobs

tomkinson6

In the 1970's & 1980's I had several part time jobs in the night time economy. Although I can remember the pubs & clubs where I worked, I can't remember the breweries or employer details. I think some of these may have been 'cash in hand' but some were definately on a PAYE basis. What's the likelihood of there being any old pension pots lying around and how could I possible find them, if I can't remember the employer details?

la531983

Given there was no obligation back then to enrol staff members in a pension, I would suggest the chances are very slim.

Brie

Quite truthfully I think there's going to be little to be found if anything.

Rules in the 70s & into the 80s tended to have provios on the schemes where you wouldn't have any accrued benefit if you worked for a company for less than 5 years or longer.  Some schemes wouldn't let someone join if they were under 25.  And if you did join and with better rules on the schemes even into the 90s if you worked for a company with a defined benefit scheme (most of them at that time) you had a full refund on contributions if you left with under 2 years service.  And no one would have enrolled you in a scheme if they were paying cash in hand.  

That said  - you might try to check on the Aviva website - Find and combine your old and lost pensions - Aviva

It's no obligation and might throw up something.  One place I worked had an EPB(?) scheme from the 60s & 70s that employees literally paid pennies in to and eventually got payouts - granted the biggest one I saw was for about £70 total but that's enough for a decent pub meal so worth looking for. 

Slinky

A lot of people today don't know how lucky they are with the new pensions arrangements, with almost compulsory sign up and employers contributions. I started work in 1982 and worked for various companies across the years, most of whom either didn't have a pension scheme, or if they did I didn't qualify for it as I just happened to move jobs every 5 years or so. I have just one company pension where there were employers contributions which is worth about £9K and seems to shrink in value every time I get a statement. It's a good job at 40 I set up my own business and maximised my pension contributions otherwise my retirement future would look pretty grim indeed. There are probably a lot of other people in my age group with similar circumstances.  It's not all defined pensions and final salary schemes for those retiring in the next few years.

Marcon

Brie said:

That said  - you might try to check on the Aviva website - Find and combine your old and lost pensions - Aviva

It's no obligation and might throw up something.  

But you need to know the provider.

Marcon

tomkinson6 said:

In the 1970's & 1980's I had several part time jobs in the night time economy. Although I can remember the pubs & clubs where I worked, I can't remember the breweries or employer details. I think some of these may have been 'cash in hand' but some were definately on a PAYE basis. What's the likelihood of there being any old pension pots lying around and how could I possible find them, if I can't remember the employer details?

As close to zero as makes no odds, I'm afraid. Part-timers weren't usually allowed to join pension schemes until a House of Lords confirmatory ruling earlier this century gave them that right, backdated to 1976, but you'd need to have taken active steps (ie paid your contributions) to do so.