Pension Toolkit
Pension Toolkit
Pension Toolkit
Explore your personal Pensions Toolkit
Helpful retirement resources and scam‑awareness all in one place
Our Pensions Toolkit gives you information to help you manage your retirement confidently. Watch our animated walkthrough of “Taking Your Pension” to understand the steps ahead. Stay informed with our scam-awareness guidance to protect your pension savings. Accessible anytime, the toolkit offers clear information and peace of mind for your pension journey.

Taking Your Pension
Planning for retirement can feel overwhelming but we’re here to guide you every step of the way. Our animated video explains the key stages of taking your pension. Whether you’re thinking about retiring soon or just starting to explore your options, this easy-to-follow guide helps you understand what happens and when. If you have questions or want personal help from your dedicated administrator, our team is ready to support you.

Scam Awareness
Stay safe: how to spot and avoid pension scams Pension scams are becoming increasingly sophisticated, targeting savers of all ages and backgrounds. This guide will help you understand the warning signs, take action to protect your savings, and know what to do if you’re unsure. With the right information, you can make secure choices and avoid falling victim to fraud.

Pension Scams Action Group
Protect Your Pension: Stay Alert to Pension Scams Your pension is one of your most valuable assets, so it’s important to keep it safe. Scammers often try to trick people by offering fake pension deals or promising quick cash. We’ve put together clear tips and examples to help you recognise common scams and know what to do if you’re approached. Always check with trusted pension professionals before making any decisions. Remember, if something sounds too good to be true, it probably is. Stay informed and protect your future.
Frequently Asked Questions
FAQs
If you have any other questions not answered below, please don't hesitate to contact us.
What is a defined benefit pension scheme?
When can I take my pension?
Can I take my pension as a lump sum?
How can I protect myself from pension scams?
Can I transfer my pension to another scheme?
What happens to my pension if I die before or after retirement?
Who can I contact if I have questions about my pension?
I’ve changed my marital status or address, what do I need to do?
Can I tell the Trustees I want my partner or other dependant or dependants to receive any available lump sum or pension when I die?
What happens to the AVCs I paid?
Why don’t I receive annual pension statements from my defined benefit pension scheme since I left the company?
What is a Guaranteed Minimum Pension?
I am a pensioner in one of the schemes HPW administers. When will I receive my P60?
I am a pensioner in one of the schemes HPW administers. Do I get a payslip every month?
What is a defined benefit pension scheme?
When can I take my pension?
Can I take my pension as a lump sum?
How can I protect myself from pension scams?
Can I transfer my pension to another scheme?
What happens to my pension if I die before or after retirement?
Who can I contact if I have questions about my pension?
I’ve changed my marital status or address, what do I need to do?
Can I tell the Trustees I want my partner or other dependant or dependants to receive any available lump sum or pension when I die?
What happens to the AVCs I paid?
Why don’t I receive annual pension statements from my defined benefit pension scheme since I left the company?
What is a Guaranteed Minimum Pension?
I am a pensioner in one of the schemes HPW administers. When will I receive my P60?
I am a pensioner in one of the schemes HPW administers. Do I get a payslip every month?
What is a defined benefit pension scheme?
When can I take my pension?
Can I take my pension as a lump sum?
How can I protect myself from pension scams?
Can I transfer my pension to another scheme?
What happens to my pension if I die before or after retirement?
Who can I contact if I have questions about my pension?
I’ve changed my marital status or address, what do I need to do?
Can I tell the Trustees I want my partner or other dependant or dependants to receive any available lump sum or pension when I die?
What happens to the AVCs I paid?
Why don’t I receive annual pension statements from my defined benefit pension scheme since I left the company?
What is a Guaranteed Minimum Pension?
I am a pensioner in one of the schemes HPW administers. When will I receive my P60?
I am a pensioner in one of the schemes HPW administers. Do I get a payslip every month?

Interested in how we
can help you?
Our team is here to help with any questions you may have. Whether you need more information about our services, guidance on your pension scheme, or support with one of our tools, we’ll make sure you get the answers you need quickly and clearly.

Interested in how we
can help you?
Our team is here to help with any questions you may have. Whether you need more information about our services, guidance on your pension scheme, or support with one of our tools, we’ll make sure you get the answers you need quickly and clearly.

Interested in how we
can help you?
Our team is here to help with any questions you may have. Whether you need more information about our services, guidance on your pension scheme, or support with one of our tools, we’ll make sure you get the answers you need quickly and clearly.