Your Pension Options

Directory

For basic help on the different types of pension, you can contact the Citizens’ Advice Bureau (details are in your local phone book). You can also visit their website at www.nacab.org.uk

The Occupational Pensions Advisory Service (OPAS) can give you information about any aspect of occupational, stakeholder and personal pensions. You can contact OPAS if you are having problems with your pension scheme that your scheme managers or trustees cannot sort out. You can contact them on 0845 601 2923, from 9am to 5pm, Monday to Friday. Or, you can visit the OPAS website at www.opas.org.uk

You can also write to: Occupational Pensions Advisory Service (OPAS), 11 Belgrave Road, London SW1V 1RB.

If you are 60 or over, you can apply for the Minimum Income Guarantee by calling free phone line on 0800 028 11 11 (or textphone 0800 028 35 93)from 7am to 7pm, Monday to Friday.

Other publications you may find useful

Personal Pension Schemes (including Stakeholder Pension Schemes) – A guide for members of tax-approved schemes (IR3)
You can get this leaflet by calling the Inland Revenue Savings, Pensions and Share Schemes Office stationery orderline (answerphone) any time on 0115 974 1670. Or, you can visit the Inland Revenue website at www.inlandrevenue.gov.uk/pensionschemes/guidance.htm

You can also write to: Inland Revenue Savings, Pensions and Share Schemes, Yorke House, PO Box 62, Castle Meadow Road, Nottingham NG2 1BG.

I want to apply for a Financial Order (D190)
If you live in England or Wales, you can get this leaflet from your County Court (details are in your local phone book) or from the Court Service website at www.courtservice.gov.uk

Widowed? (GL14)
You can get this leaflet from your local social security office (details are in your local phone book).

Going abroad and Social Security Benefits (GL29)
You can get this leaflet from your local social security office (details are in your local phone book).Or, you can visit the DWP website at www.dwp.gov.uk/publications/2002/index.htm

Inheritance of SERPS – Important information for married people (SERPSL1)
You can get this leaflet from your local social security office (details are in your local phone book) or by calling the Inherited SERPS enquiry line on 0845 600 6116 (or textphone 0845 602 1913)from 8am to 7pm Monday to Friday, and 9am to 1pm on Saturday. Or, you can visit the resource centre on The Pension Service Website at www.thepensionservice.gov.uk

Pensioners’ Guide (PG1)
This guide tells you about the range of government help and advice available to pensioners. You can get a copy by calling 0845 6 065 065 (people who have difficulties with their hearing or speech can call 0845 6 064 064) from 7am to 11pm every day. Or, you can visit the website at www.info4pensioners.gov.uk

Guides in this series

A guide to your pension options (PM1)
This gives a general summary of the pensions system and suggests points you should think about.

State pensions – Your guide (PM2)
This guide explains whether you are likely to get a State Pension and how we work state pensions out. It includes more details about the State Second Pension, including examples of how it can help people in different circumstances.

Occupational pensions – Your guide (PM3)
You will find this guide helpful if you are working for an employer who runs a pension scheme and you are a member of the scheme or are thinking of joining.

Personal pensions – Your guide (PM4)
If you are thinking about a personal pension scheme, this guide tells you the sort of questions you should be asking and how you can decide if a personal pension is best for you.

Pensions for the self-employed – Your guide (PM5)
If you are self-employed, you have fewer options but you still have important decisions to make. This guide tells you how you can decide what will be best for you.

Pensions for women – Your guide (PM6)
As a woman, the pattern of your working life may be different from a man’s. For example, you could have a career break to raise a family. This guide gives you an idea of the options available, and what you should think about when you plan your pension.

Contracted-out pensions – Your guide (PM7)
This guide gives you information about contracting out of (leaving)the State Second Pension.

Stakeholder pensions – Your guide (PM8)
This guide tells you what you need to think about before joining a stakeholder pension scheme. It will help you decide whether this kind of pension is best for you.

State pensions for carers and parents – Your guide (PM9)
If you have given up work and aren’t earning very much because you are caring for someone, this guide may help you. It explains what to do to make sure you get as much State Pension as you can in the future.

To order copies of any of the guides in this series, you can call on 0845 7 31 32 Calls are charged at local rates and the line is open 24 hours a day. We also have a textphone service available on 0845 604 0210.

Or, you can write for any of the guides at: Pension Guide, Freepost, Bristol BS38 7WA (you don ‘t need a stamp).

You can also download or order these guides at www.pensionguide.gov.uk
All guides are available in Welsh, on audio tape and in Braille.

For more information on any of the pension options, please call 0845 7 31 32 33 or visit www.pensionguide.gov.uk

© A Guide To Your Pensions Options has been reproduced in accordance with Crown Copyright.

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