Under the Pension Schemes Act 1993, leavers have certain protections as to continuing rights and options for dealing with their pension benefits if they change job. These include using the transfer value to buy an annuity from a pension company; buying a personal pension, or buying rights in the new employer's pension scheme. Guidelines are available from the Institute and Faculty of Actuaries which sets down rules on the calculation of transfer. There are also special provisions for early leavers (less than two years service).