If the company goes bust!! It depends on the funding of the sheme at the time. If it is fully funded then all would get the full pension entitlement for their length of service, if not then pro rata. It is up to the trustees to monitor contributions and funding. But of course, I and the rest of the world might be wrong in trying to save FS schemes!! If you want a decent pension from a MP scheme you need a very large sum of money and hope that annuity rates are better than the current 3% or so. There is no minimum company contribution, some contribute as little as 3%, they are not required to ensure a worthwhile pension only give as little as they can get away with, and of course Gordon Brown can rob with impunity, the company doesn't have to make up the difference.