Frequently asked questions

We’re here to help you get the most out of your pension. You can find lots of information as well as manage your pension account online. We’ve gathered up our most common questions to lend you a helping hand.

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I’m a member

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I’m an employer

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I’m an adviser

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I’m a member of The People’s Pension, how do I find out the answers to my questions?

How to find the information you’re looking for

If you have a question, you can:

  • use your Online Account to manage your pension
  • search for the information on our website, explore our online help and support or see the list of helpful links below
  • contact us if you can’t find the answer to your question in your Online Account or on our website.
Explore your Online Account

In your Online Account, you can:

  • manage your pension
  • tell us who your beneficiaries are
  • check your pension pot value and recent contributions
  • view your annual statement.

Set up your Online Account Log into your Online Account
Set up your Online Account Log into your Online Account

Common questions about getting into your Online Account:

I’m an employer

See content specific to employers.

I’m an employer with an account with The People’s Pension, how do I find out the answers to my questions?

How to find the information you’re looking for

If you have a question, you can:

  • log into your Online Services account to manage your pension scheme
  • search for the information on our website, check our online help and support or see the list of helpful links below
  • contact us if you can’t find the answer to your question in your Online Services account or on our website.

I’m an adviser

See content specific to advisers.

I’m an adviser for an employer or member of The People’s Pension, how do I find out the answers to my questions?

How to find the information you’re looking for

If you have a question, you can:

  • search for the information on our website, check our online help and support or see the list of helpful links below
  • contact us if you can’t find the answer to your question on or website.

I’m none of these

If none of these apply to you, see our default content.

Not a member, employer, or adviser? Here’s how to find out the answers to your questions.

How to find the information you’re looking for

If you have a question about The People’s Pension, you can:

  • check our website or online help and support for the information you need
  • contact us if you can’t find the answer to your question on our website or online help and support.

I’m a member

See content specific to members.

Paying your pension contributions

Payments made into a pension are called contributions. With a workplace pension, like The People’s Pension, contributions normally come from 3 sources: the employee, the employer and the government. As an employee, you can always increase your pension contributions if you want to.

Finding out more about your pension and it’s performance

The People’s Pension has helped over 6 million members, from 100,000+ different employers, to save more than £20 billion for their future.

Transferring or combining your pensions

If you’ve worked for more than one employer, chances are you’ll have more than one pension.

But it’s quick and easy to combine your old pensions into your pot with us.

I’m an employer

See content specific to employers.

I’m an adviser

See content specific to advisers.

Policy-specific information

For policy specific information, many of your questions can be answered if your client accesses their account online. For example, members will be able to find information on things like:

  • Fund values
  • Investment choices
  • Beneficiaries
  • Selected retirement age
  • Transactions and contributions

It’s quick and easy to get set up – your client simply needs to visit our Manage account page to get started. Members will need their customer number and National Insurance number handy. Please note only your client is able to access and set up their own account.

 

Share our video with your member clients to help them set up their Online Account…

https://youtu.be/UWgCsY_GG78

I’m none of these

If none of these apply to you, see our default content.

I’m a member

See content specific to members.

Taking your pension savings

Remember to think carefully before accessing your pension savings, as hasty decisions could have a big impact on your future.

You can normally start taking money out of your pension pot from your normal minimum pension age. But remember you’ll receive only the current value of your pension pot. So, if you access your pension savings now, you might miss out on any increases in value in the future if markets recover. It’s a good idea to focus on your needs in the long term rather than on current events, and to take advice before making decisions.

If you’re experiencing financial difficulties, it’s worth exploring any other savings you might have before taking your pension savings and looking at what other sources of support are in place. More information can be found on the MoneyHelper website. MoneyHelper also has a debt advice locator tool to help you find out where you can go to get free debt advice.

Be aware of pension scams

There are people out there with a variety of tricks up their sleeves to try and hook you into transferring your pension funds into bogus schemes.

If something seems too good to be true, chances are it is. Read up on how to spot pension scams before making any decisions.

And remember that we will never contact you out of the blue to ask for any of your personal or account information, such as your password or sign-in details.

How to spot pension scams

Get guidance and advice

Choosing what to do with your pension savings is an important decision, so you may want to seek advice or guidance before you decide.

We recommend that you get guidance from Pension Wise about your options. And if you don’t have a financial adviser already, you can find one in your area by visiting the Unbiased website.

Plus there are lots of other places you can get pensions guidance and advice too…

Your guidance and advice options

I’m an employer

See content specific to employers.

I’m an adviser

See content specific to advisers.

I’m none of these

If none of these apply to you, see our default content.

I’m a member

See content specific to members.
Managing your account

Log in or set up your Online Account to find out about your account with us and manage your details.

Online help and support

You can search our content or use the list of helpful links above to find the answer to your question.

How to contact us

Get in touch if you can’t find the answer to your question.

I’m an employer

See content specific to employers.
Manage your scheme online

Log into your Online Services account to manage your scheme.

Online help and support

You can use the list of helpful links above to find the answer to your question.

How to contact us

Get in touch if you can’t find the answer to your question.

I’m an adviser

See content specific to advisers.
Online help and support

You can use the list of helpful links above to find the answer to your question.

How to contact us

Get in touch if you can’t find the answer to your question.

I’m none of these

If none of these apply to you, see our default content.
Check our online help and support

Search our website and online help and support to find the answer to your question.

How to contact us

Get in touch if you can’t find the answer to your question.