FIND & COMBINE

No pension left behind

Help your people find all their pensions with ease and take control by combining old pensions into one pot

1 in 5 people have lost at least one pension

The average worker changes jobs every 5 years, or more often in high-churn industries. That’s a lot of pensions for people to keep on top of.

Tracking down pensions takes patience, paperwork and policy numbers. It’s no surprise there’s an estimated £31.1 billion sitting in lost pensions*. Money that colleagues need to build their long-term security.

Pensions Policy Institute study, 2024

Pension finding made easy

As people move jobs, they collect pensions – and pensions admin. Which makes it hard to understand how each pension is performing, and how much they’re forecast to have when they retire.
With Find & Combine, members tell us where they’ve worked and (roughly) when. We do the hard work of finding their pensions, providing a clear picture of their position in the process. So people know where their money is and what it’s worth. We then combine eligible pensions into a single pot, giving members greater transparency and more control over their retirement.

1. We track down their pensions

Members tell us where they’ve worked and when, and we do all the hard work. Members are then provided a clear picture of all of their pensions.

2. Then combine them into one pot

Members can combine their pension pots from previous roles into a simple Wagestream personal pension.

1. We track down their pensions

Members tell us where they’ve worked and when, and we do all the hard work. Members are then provided a clear picture of all of their pensions.

2. Then combine them into one pot

Members can combine their pension pots from previous roles into a simple Wagestream personal pension.

No need for paperwork or policy numbers

Members use the app to tell us some details, including the companies they’ve worked for and when.

We do all the hard work

We use member data to fill in the gaps and handle everything, including emails and phone calls. Then members can view all their pensions in the mobile app or via desktop.

We make combining their pensions easy

Once they can see all their pensions, we allow them to automatically combine them into a single pot so they can cut down on admin and simplify their retirement plan.

Confidence and control through the real-time dashboard

Members can see how their streamlined personal pension is performing within the app. They’ll also see any of the unconsolidated pensions we found for them. So they’ve got everything in one place.