Yes. Assuming your employer-paid pension plan has been set up directly in your name (which will ALWAYS be our recommendation, to all employees and all employers), the only thing that would happen if you no longer work for a company is that they stop paying into your pension plan. All the assets inside the pension plan are still yours, and it’s now down to you to either pay the monthly pension contributions yourself or get your new employer to pay them. You can also simply stop paying into it, but this will mean that you no longer have the minimum guaranteed amount (because you’re not paying for it if you stop contributing), and of course it will have a significant negative impact on Future You if your pension plan doesn’t get funded.


If you’re changing employers, or thinking about it, and want to check what you can do or how you can do it, or what you need to say to prospective new employers, just contact us and we’ll help you out!