Help Centre

Which of my employees need to go into a pension scheme?

You are obliged to assess your whole staff for whether they are eligible for auto-enrolment, but you may not have to automatically enrol all of them.


Age
Age
Age



Monthly earnings
From 16 to 21
From 22 to State Pension Age (SPA)
From State Pension Age (SPA) to 74

£481 and below:
Has the right to join pension scheme.
Has right to join pension scheme.
Has the right to join pension scheme.

Over £481 up to £833:

Has a right to opt in.

Hass a right to opt in.

Has a right to opt in.

Over £833:

Has a right to opt in.

Automatically enrolled.

Has a right to opt in.


What’'s the difference between joining and opting in? Simply, opting in means the employee has the right to join your auto-enrolment pension scheme, whereas as joining means they have the right to join a scheme, not necessarily the one you use for auto-enrolment.

It’'s against the law to try and affect your employees’ decision to opt in or out. Examples of this would include offering cash bonuses for opting out, or withholding pay.

 


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