Pension Coverage 2025

Over one in five workers with pension cover have both occupational and personal pensions

• At an overall level, pension cover has remained unchanged from 2024. Of those in employment who had a pension in Quarter 3 (Q3) 2025, almost seven in ten (69%) had occupational pension coverage only (from current or previous employments) while over one in five (21%) have both occupational and personal pension cover for their retirement and one in nine (11%) workers had personal pension cover.
• The prevalence of pension cover from both occupational and personal pension schemes for males and females remained unchanged in 2025 compared to 2024 – 22% of males with pension cover had both occupational and personal pension schemes, compared with nearly one in five (19%) female workers.

• Over three-quarters of workers (with pension cover) in the Industry (78%) and Education (77%) NACE economic sectors had occupational pension cover only. Just around one in five working in these sectors (with pension cover) had both occupational and personal pension cover - Industry (17%) and Education (20%).
• Almost one-quarter (24%) of Managers, Directors, and Senior Officials and some 23% of Professionals (with pension cover) had both occupational and personal pension schemes, compared with only one in ten (13%) workers with pension cover in the Administrative and Secretarial and one in seven (14%) of Sales and Customer Service and Process, Plant, and Machine Operatives broad occupational groups.