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Breaks in employment

Career break

Many people who have given up work, for example to raise a family, re-enter the workforce in later years and join a pension scheme at that stage. This has a number of implications, especially concerning the adequacy of pension income in retirement.

There are two main considerations with regard to re-joining the workforce in later years.

Firstly, your pension on retirement may be well below your earnings in the period prior to your retirement.

Secondly, you may have been in pensionable employment earlier in your working life. If this is the case, you may have benefit entitlements from that period of service or you may be able to have a prior period of pensionable service reinstated. You may continue to save for your retirement using a Personal Retirement Savings Account while out of the paid workforce.