I've left United Utilities but not taken my pension yet

When can I take my pension?

Under current Scheme and HMRC rules, you have two options:

  • leave your pension until your Normal Retirement Age (NRA), or
  • take your pension early (usually any time from age 55, although this is increasing to age 57 in 2028). If you take it before your NRA, and you are a DB member the benefits may be reduced because it will be paid over a longer period.

Can I transfer my pension?

Yes, you can transfer your pension benefits to another pension arrangement, such as your new employer's pension scheme, a personal pension or a stakeholder pension .

For a current transfer value quotation, please contact the Scheme Administrator (you can ask for a transfer value once each year). You may wish to take specialist independent financial advice before you transfer – if you don’t already use one, you can find a local IFA through http://www.unbiased.co.uk/

I have a pension, how can I find out more?

Simply contact the Scheme Administrators (quoting your National Insurance Number) who will be happy to provide you with details of your pension benefits held in the Scheme.

UUPS DB members


PO Box 545 



0113 394 9309


Call now

UUPLC ESPS members


Unit 2

Rye Hill Office Park

Birmingham Road

Coventry | CV5 9AB

02476 472 583


Call now

UUPS DC members

Aegon Workplace Investing

PO Box 17486

Edinburgh, EH12 1NU

01733 353 481


Call now