Combined Pension Statements for employers

Overview

The Combined Pension Statement (CPS) is a voluntary service that lets you combine employees’ pension information.

The single statement includes details of their State Pension and workplace or personal pension. The information may help employees plan their retirement, eg by increasing their pension contributions.

Pension providers, trustees and third-party administrators can also use the CPS service to help their scheme members.

The CPS service improves pensions data by making sure information held by the scheme matches that held by the Department for Work and Pensions (DWP).

How to use the CPS service

Read the Combined pension statements guide for employers, pension providers, trustees and third-party administrators.

Apply for the CPS scheme

Fill in either the employers’ form or the third-party administrators’ form and return it to the Department for Work and Pensions (DWP). Call DWP if you need a paper form instead.
You’ll get a registration agreement from DWP. Read the schedule - it tells you what to do and when, based on information you gave in your application form.
Contact DWP if you need to change information such as dates, or if you have any questions.

The Combined Pension Statement (CPS) scheme is voluntary - you can withdraw at any time.

Contact DWP

cpf-cam-team@thepensionservice.gsi.gov.uk
Telephone: 0191 218 2201
Monday to Friday, 9am to 5pm
Find out about call charges

Combined Pension Statement Team
The Pension Service 9
Mail Handling Site A
Wolverhampton
WV98 1LU

Perform a data test

Once you confirm that you’re happy with the registration agreement, the Department for Work and Pensions (DWP) will ask you to send a small sample of dummy data to run a data test.

They’ll use this to check that:

your file has the right format and structure
you’re able to read the return file
you can send and receive files successfully

Details of the data test are included in the Pension Service’s technical guide - you’ll be sent a copy when you apply for the scheme.

Get your employees' consent

You need to tell your employees that you’re planning to take part in the Combined Pension Statement (CPS) service, and will be asking the Department for Work and Pensions (DWP) for information about their State Pension.

You must give your employees the chance to tell you if they don’t want you to do this.

You can ask your employees at any time between registering and exchanging live data for the first time.

DWP will provide wording for the consent letter, which you must use to get your employees’ consent.

A copy of the consent letter will be included in your registration agreement.

Exchange data and issue statements

Once your data’s been tested and you’ve got your employees’ consent, you’ll need to send their personal details to the Department for Work and Pensions (DWP).

They will estimate each of your employees’ State Pension and send this to you using your chosen data transfer option. The estimates will show the amount of State Pension based on each employee’s National Insurance contribution record so far.

Sending your employees’ statements

DWP will provide the template you must use to send your employees their State Pension information. There are 2 versions of this template, which you’ll get as part of your registration agreement. You can choose which one best fits the design of your existing benefit statements.

There are leaflets to support each version of the template, which you can send to your employees along with their statements.

The DWP Future Pension Centre can answer your employees’ questions about their State Pension information. The telephone number is included on each employee’s statement.

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