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Why a Peace of Mind Check is Worth Doing
It’s not about blame — it’s about certainty
Most of us assume our employment and pension records are quietly doing their job in the background. And most of the time, they are. But even well run systems can miss things — a change that wasn’t processed, a code that didn’t update, or a form that never quite made it through.
A peace of mind check is simply a way to make sure everything is accurate now, rather than discovering issues years down the line.
It’s not about blame — it’s about certainty.
These checks aren’t designed to catch anyone out. They’re about giving you confidence that your records reflect your actual working life. It’s the same principle as checking your bank statements or reviewing your credit file: you don’t expect anything to be wrong, but it’s better to know than assume.
What we often find during these checks
A peace of mind review can highlight issues that no one realised were there — and that’s exactly why they’re so valuable.
Underpayments
- Missing pension contributions after a role change
- A period of service recorded incorrectly
- A pay step that didn’t update when it should have
Left uncorrected, these can reduce your future benefits — but they’re usually straightforward to fix once identified.
Overpayments
- An allowance that continued after it should have stopped
- A payroll coding error that inflated pensionable pay
- Duplicate service entries
Overpayments are particularly important to catch early. They can take years to come to light, and when they do, the repayment can run into thousands of pounds. No one wants that kind of shock landing on their doorstep unexpectedly. A simple check now can prevent a very stressful situation later.
Why it matters
A quick review today can prevent:
- Unexpected pension outcomes at retirement
- Delays caused by missing or inconsistent information
- Large overpayment recovery requests that could have been avoided
- Stress and uncertainty at a time when you should be focusing on your future
It’s a small step that protects your future self.
A peace of mind check is proactive, reassuring, and genuinely protective.
It gives you clarity today and prevents avoidable problems tomorrow.
It’s not about expecting the worst — it’s about making sure everything is right, fair, and aligned with your actual service.
Your future deserves that level of care.