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Worked in the UK and now living in Canada? Your UK pension is not on your CPP Statement of Contributions

Sunday 25 October is the UK's National Pension Tracing Day. People in Canada who once worked in the UK can look for UK pensions free on gov.uk. Your CPP Statement of Contributions does not show them.

TORONTO/LONDON, 23 October 2026. Each job in the UK can leave behind a workplace pension and qualifying years towards the UK State Pension. UK employers must automatically enrol workers aged 22 to State Pension age who earn at least £10,000 a year.

Six free steps
1. Canadian record first. In My Service Canada Account, the Canada Pension Plan section shows your CPP Statement of Contributions ("View my contributions") and benefit estimates. If you live in Quebec, last lived there, or worked only there, ask Retraite Québec instead. UK pensions are not included.
2. UK workplace pensions. The Pension Tracing Service (https://www.gov.uk/find-pension-contact-details) gives free contact details for old schemes if you know the employer's or provider's name. It does not confirm a pension or its value. Phone from abroad: +44 191 218 7777, Monday to Friday 10am to 3pm UK time. Online any time.
3. UK State Pension forecast. Online on gov.uk, in the HMRC app, with form BR19, or via the Future Pension Centre (+44 191 218 3600). At least 10 qualifying years are needed for the new State Pension.
4. Voluntary contributions: forecast first. Since 6 April 2026, time abroad can only be covered with Class 3 contributions and only with 10 years' UK residence or 10 qualifying years.
5. Payment in Canada. According to gov.uk, the yearly increase is paid only in the EEA, Switzerland and countries whose agreement with the UK allows it. Canada is not one of them, so a UK State Pension paid there does not rise each year. This is so even though the UK and Canada have a social security agreement. Claims from abroad: International Pension Centre, +44 191 218 7777.
6. Paperwork and address. Keep employer names, payslips, P60s and your National Insurance number, list every country you worked in, and give each scheme your current address and beneficiary details.

In the UK alone, the Pensions Policy Institute estimates about 3 million lost pots containing a combined £18.7 billion, which the PPI calls a lower bound estimate. More than four in five lost pots belong to people under 55 (PPI Table 1); 13% of pots belonging to over 75s are considered lost. The figures are not comparable with earlier estimates: https://www.pensionspolicyinstitute.org.uk/research-library/research-reports/2026/lost-pensions-the-scale-of-the-challenge/

The steps were compiled by PensionHunter, which also has a free online check covering Canada and the UK: https://pensionhunter.ai/pension-checker?utm_source=submitpr&utm_medium=press&utm_campaign=nptd2026&utm_content=en-ca

About PensionHunter: a trading name of Battersea Park Capital Ltd, registered in England and Wales, Company No. 13326151, ICO No. ZC113586. Identification and research only: no advice, no commission, never holds clients' money. Not regulated by the FCA. Not a sponsor or partner of National Pension Tracing Day.
Contact: Frank Marco, PensionHunter, 106 Switch House East, Circus Road East, London, SW11 8BB, United Kingdom. hello@pensionhunter.ai

Media Contact

Frank Marco

PensionHunter

106 Switch House East, Circus Road East, SW11 8BB, London

https://pensionhunter.ai

Topics: expats lost pensions National Pension Tracing Day Pension Tracing Service State Pension UK pension
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