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Benefits payable on leaving

Leaving employment or changing from employment to self-employment raises issues to be considered in relation to your pension benefits.

Generally you have three main options depending on the circumstances

  1. leave your benefits in your existing pension arrangement
  2. transfer your benefits to your new arrangement
  3. take a refund of contributions in limited circumstances.

Preservation of benefits

Preservation is a term defined in the Pensions Act to refer to a requirement for occupational pension schemes to maintain benefits for members after they leave...

Transfer of benefits

Pension arrangements generally allow you to transfer your pension benefits from one arrangement to another...

Refund of member contributions

In certain circumstances you may be eligible to take a refund of contributions paid into a pension arrangement...

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