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Stakeholder, state & other pensions

If you're looking for information on schemes other than the general higher education ones, this page provides basic contact information.

Stakeholder pensions

Stakeholder pensions are a tax efficient investment with low charges for those earning less than £30,000 per year who do not have access to an occupational pension scheme.

They can be used as an alternative to AVCs and are more flexible as 25% of the benefit can be taken as tax-free cash. The stakeholder rules also permit unemployed and non-working spouses to have a plan.

Anyone with non-pensionable earnings outside their main employment can contribute a percentage of that salary to a stakeholder plan. If the percentage figure is less than £3,600 then that sum can be contributed; this equates to a payment of £2,808 net at basic rate while a higher rate taxpayer claiming via self assessment will pay £2,160. Independent financial advice should be sought. See also the section on AVCs.

Further information is available from:
The Pension Service

Teachers' National Stakeholder Pension

The Teachers' National Stakeholder Pension Scheme is a sub-section of the TUC Stakeholder Scheme provided by Prudential. It should not be viewed as an alternative to membership of the TPS

State and other pensions

The Department for Work and Pensions has published a series of handbooks covering pension issues and these can be obtained from your local DWP office:
Pensions Direct
Tyneview Park
Whitley Road
Newcastle Upon Tyne
NE98 1BA

Or from the website

For information on your social security retirement pension, State widow's/widower's benefit and any other state benefits, please contact the Retirement Pension Forecast Unit on 0845 300 0168 (local call rates apply) textphone 0845 3000 169), Typetalk number is 18001 0845 3000 168 or visit the website for an online request.

Already a state pensioner?

For general advice on your state pension, widow's or bereavement already paid direct into a bank or building society account, telephone 0845 301 3011 (local rate) or Textphone 0845 301 3012 (local rate).

Pension Credit Application Line

To apply for pension credit call 0800 99 1234 (free) or textphone 0800 169 0133 (free) or visit

Last updated: 27 February 2007