If you worked in the UK and left behind a pension plan when you took up residence in another country, the pension proceeds can usually be transferred to your new home. There are two major exceptions: The first is the old age or state pension and the second is any unfunded pension plan (often provided by the Public Sector e.g. National Health Service, Teachers, Civil Service, Police, Military). If you qualify, these pensions can be paid to you in Canada but cannot be transferred out of the UK as a lump sum.
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If you are going to retire in Canada and you have a Defined Benefit Pension in the UK, life might be better if you transfer the funds to Canada.
Your retirement expenses will be growing in line with Canadian inflation (which could be quite different from UK inflation). So a transfer out into a QROPS may be a better fit with your retirement plans.
