The days of having a job for life appear to be over. A recent American study found that the average baby boomer had worked for 12 different employers by the time they reached 56. And it’s a trend which has hopped across the pond, with employees regularly switching jobs. A study by accountancy firm PwC last year found nearly a quarter of Britons (23pc) are expecting to change jobs in the next 12 months. That equates to more than seven million workers, all of whom will be left needing to make a decision about their workplace pension. It is very possible a new employer will use a different pension provider to your previous place of work, meaning you’ll potentially have several different pots to manage and keep track of. So does it make sense to consolidate your pension pots? Is it worth keeping your pension with your old employer? And what do you do if you have a dozen different pots and you can’t remember where all of them are? Here, Telegraph Money explains what happens to your pension when you change jobs and assesses the options available so that you can make a decision which best suits your needs....