Why Use a Specialist Service?
More than just a contact list: Unlike the basic government tool which only gives you contact details, we handle the entire communication process with former employers and providers for you.
No Win, No Fee: You only pay a small success fee (10%) if we successfully identify a "lost" or unknown pension for you. If we find nothing, you pay nothing.
Save Time & Stress: Pension tracing often involves navigating old company records, name changes, and complex provider mergers. We manage the paperwork while you stay in control.
How It Works (Simple 3-Step Process)
Submit Your Details
Provide your basic work history and National Insurance number via our secure Data Processing Consent Form.
We Search for You
Our specialists contact HMRC, the DWP, former employers and private providers to match your records.
Get Your Results
Once we verify a "lost" pot, we provide you with a full valuation and the details needed to reclaim your money.
Benefits of Finding Your Pensions
- Maximize Retirement Income: The average lost pension pot is worth nearly £9,500.
- Reduce Fees: Discovering multiple pots allows you to consider consolidating them, potentially lowering your annual management charges.
- Peace of Mind: Ensure your hard-earned savings are working for you, not sitting dormant in an old employer's scheme.
Why Trace a Deceased Person’s Pension?
- Identify Hidden Assets: Many people change jobs frequently, leaving small pension pots with various providers that are easily forgotten over decades.
- Survivor Benefits: Many Defined Benefit (Final Salary) schemes offer a "survivor’s pension" for spouses or dependents, providing ongoing monthly income.
- Lump Sum Death Benefits: Defined Contribution plans often pay out the remaining fund as a tax-free lump sum if the individual died before age 75.
- Estate Valuation: From April 2027, most unused pension funds will be included in the deceased's estate for Inheritance Tax (IHT) purposes, making accurate tracing essential for legal compliance
Our Comprehensive Tracing Process
- Work History Reconstruction: We help you build a complete list of the deceased's former employers to identify potential workplace schemes.
- Provider Investigation: We contact HMRC's Bereavement Helpline and the DWP to find records of past employment and pension contributions.
- Formal Enquiries: We act on your behalf to communicate with private pension administrators, verifying the existence and current value of any holdings.
- Legal Authority Management: We guide you through the documentation required by providers, such as the Death Certificate, Grant of Probate, or Letters of Administration
Our "No Win, No Fee" Guarantee for Families
- Risk-Free Investigation: We carry out the entire search process—including contacting former employers, government bodies, and pension administrators—at our own expense.
- Only Pay for Results: You will only ever be charged a fee if we successfully identify a previously "lost" or unknown pension pot belonging to the deceased.
- Fixed Success Fee: If we find a pension, our fee is a simple 10% of the total value identified. This is often far more cost-effective than hiring a solicitor or forensic accountant on an hourly rate.
- No Results, No Bill: If our investigation concludes that no further pension assets exist, or if the schemes we find have already been claimed or have no remaining value, you owe us nothing.
- Preserves the Estate: You don't have to worry about diminishing the Estate's value with upfront administrative costs.
- Performance Driven: Our interests are perfectly aligned with yours; we are motivated to leave no stone unturned to find every penny the deceased worked for.
- Complete Transparency: There are no hidden "search fees" or "file opening" charges. If we don't put money back into the Estate, we don't get paid.
Yes. Recent research from the Pensions Policy Institute (PPI) estimates that there are approximately 3.3 million lost pension pots in the UK, with a total value of over £31.1 billion. On average, a lost pension pot is worth around £9,470, rising to £13,620 for those aged 55–75.