§ Mr. Willetts
To ask the Secretary of State for Social Security what entitlement to inherited SERPS remains after someone who has contracted out of SERPS into an occupational scheme subsequently transfers to a personal pension plan; and what action his Department has taken to inform people that they could lose out by making such a change. 
§ Mr. Rooker
Since 1997, there has been no link between contracted-out pension rights and SERPS. A transfer of rights accrued since that date would have no bearing on possible entitlement to inherited SERPS.
For the transfer of pension rights accrued before 1997 in a contracted-out salary related pension scheme, the situation will depend on an individual's circumstances.
We therefore recommend that a person should seek independent financial advice before transferring pension rights from an occupational scheme to a personal pension.