Pension plan

Adobe provides a defined contribution pension plan through Mercer OneView, which allows you to save and invest for retirement. When you participate, Adobe contributes to your pension. Plus, you receive tax relief on your own contributions, making your plan the most cost-effective way to increase your retirement security.

Please see the pension guide [PDF] for more details about the plan. You can also learn more about the plan by watching this video.

Who’s eligible

All Adobe employees, including Adobe-paid temps and interns, who are under age 65 are eligible for membership in the pension plan.

Your membership in the plan will cease on your 65th birthday. Adobe reserves the right to change or cease the scheme at any time, as future circumstances may require.

What you can contribute

You can choose to contribute 3% to 7% of your salary to the pension plan. Adobe will match your normal contributions up to 7%. You may make additional voluntary contributions above the 7% level, and you will receive tax relief on these contributions (subject to revenue limits). Additional voluntary contributions are not matched by Adobe.

How to join the plan or change your contribution percentage

To join the plan or update your contributions, visit My Adobe Benefits (powered by Darwin) at any time in the year.

  1. Go to Benefits Selection > Pension > Edit.
  2. Choose the preferred contribution level.
  3. Select Add to cart > Checkout > Confirm selection.

A confirmation message should pop up if you’ve successfully submitted your selections.

How to change your investment

You will be automatically enrolled in the default investment, but you have a wide range of funds to choose from to support the investment strategy that’s right for you. If you want to change your investment, visit Mercer OneView.

How to access your pension plan

  1. Visit Mercer OneView.
  2. Enter your Employer Code (ADOBE), and select Next.
  3. Enter your Employee ID and your personal access code, and select Submit.


If you are a new hire: If you have just enrolled in the pension plan, you will receive your initial personal access code (PAC) in the post to your home address. Your PAC allows you to register on the site and set your security information, so you will be able to reset your PAC if you forget it.

Accessing and managing your pension account

Mercer OneView allows you to manage your retirement benefits online. Log in and:

  • Make investment choices.
  • Get a projection of your benefits at retirement.
  • Estimate how much you need to contribute in order to target a specific benefits package.

You can also keep track of your account balance, contribution history, and any recent transactions.

Pension plan FAQs

Below are some FAQs. For more details, review the pension plan FAQ [PDF].

I’m having problems logging on to Mercer OneView. What do I do?

If you have forgotten or lost your PAC, select Request a new PAC on the login page. Then select Reset your PAC.

You can then select whether you would like your new PAC to be sent via email or post. Or  contact the JustASK member helpline to request that a new PAC be sent to you. For security reasons, printed PACs cannot be given out over the phone.

What happens if I leave Adobe?

If you leave Adobe, your options for how to handle your account will depend on whether you have two or more years of qualifying service.

If you have less than two years of qualifying service:

  • You can receive a refund of the value of your own contributions (plus AVCs and any transferred-in member contributions, if applicable) less tax. You may not take a refund of the value of any Company contributions made to the plan on your behalf or former employer contributions transferred into the Plan.
  • You can leave your contributions (plus AVCs and any transferred-in member contributions, if applicable) invested in the plan until retirement.
  • You can transfer the value of your own contributions (plus AVCs and any transferred-in member contributions, if applicable) to a new employer’s pension plan or to an approved buy out bond or PRSA (subject to certain restrictions).

If you have completed more than two years of qualifying service:

  • You can leave your full retirement account (including all employer contributions) invested in the plan until retirement. You can transfer the value of your full retirement account (including employer contributions) to a new employer pension plan or to an approved buy out bond or PRSA (subject to certain restrictions).

What happens if I die before I retire?

If you die in service while a member of the Plan, the following benefits will be payable:

  • A lump-sum benefit of 4 times your scheme salary at the date of your death,
  • The value of your retirement account (if any) paid as a lump sum, and
  • An adult dependant’s pension of 20% of your scheme salary at the date of your death.

If you are a married member and are survived by a dependent child, a children’s pension equal to 50% of the amount of the adult dependant’s pension will become payable to each dependent child, subject to a maximum of two children.

If your lump-sum death benefits exceed Revenue limits, the balance may be paid as pension(s) for your dependant(s). If you do not have an adult dependant and have dependent children, you need to advise the Trustees to ensure that the insurance is put in place. If your adult dependant is more than 15 years younger than you, the spouse’s or civil partner’s pension may be reduced.