ALL PENSIONS — 10 QUESTIONS TO ASK ABOUT YOUR PENSION
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Scheme label: ____________________    Conversation date: ____________________

START WITH THE RECORD
[ ] 1. What type of pension do I have: defined contribution, defined benefit or a combination?
Reply / source / date: __________________________________________________
Next step or unresolved point: __________________________________________

[ ] 2. What is my membership status, and which dates or employment periods does this record cover?
Reply / source / date: __________________________________________________
Next step or unresolved point: __________________________________________

[ ] 3. How can I get my latest statement and correct any contact or record details?
Reply / source / date: __________________________________________________
Next step or unresolved point: __________________________________________

UNDERSTAND THE FIGURES
[ ] 4. Which figures are a current pot value, an annual income or a forecast, and what assumptions and dates apply?
Reply / source / date: __________________________________________________
Next step or unresolved point: __________________________________________

[ ] 5. Which contributions and payments are recorded, and who can explain a missing or unclear entry?
Reply / source / date: __________________________________________________
Next step or unresolved point: __________________________________________

[ ] 6. Which charges apply to my pension, and where can I see the amounts and how they are calculated?
Reply / source / date: __________________________________________________
Next step or unresolved point: __________________________________________

CLARIFY THE SCHEME RULES
[ ] 7. What retirement date does the scheme use, and how would taking benefits earlier or later affect them?
Reply / source / date: __________________________________________________
Next step or unresolved point: __________________________________________

[ ] 8. Does my pension have guarantees or protected benefits, and what changes could affect them?
Reply / source / date: __________________________________________________
Next step or unresolved point: __________________________________________

[ ] 9. Can I nominate someone to receive benefits if I die, and how do I update that nomination under the scheme rules?
Reply / source / date: __________________________________________________
Next step or unresolved point: __________________________________________

[ ] 10. Can you give me the explanation in writing, and where should I take a question that remains unresolved?
Reply / source / date: __________________________________________________
Next step or unresolved point: __________________________________________

These questions help you understand a record. They do not establish entitlement or recommend a transfer, investment or retirement option. Some questions may not apply to your scheme. General information, not financial advice.
Sources checked: 2026-10-09
GOV.UK: managing your workplace pension: https://www.gov.uk/workplace-pensions/managing-your-pension
MoneyHelper: pension statements explained: https://www.moneyhelper.org.uk/en/pensions-and-retirement/pensions-basics/what-information-must-your-pension-scheme-provide
MoneyHelper: transfer and consolidation considerations: https://www.moneyhelper.org.uk/en/pensions-and-retirement/pension-transfers-consolidation/transfer-or-combine-pensions