When do i have to offer a workplace pension

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How to invest, types of investing, buying and managing. Help with meeting goals, tax-friendly saving, saving for children. All employers must now offer a workplace pension scheme and automatically enrol eligible workers in it. This helps lots more people save for retirement. Automatic enrolment is when an employee who meets certain requirements is made a member of a workplace pension scheme without needing to ask to be part of it.

But since , employers have been gradually required to automatically enrol their eligible workers into a workplace pension scheme. As a result, lots more people are able to build up savings that they can use to provide them with an income from age The largest employers started first, followed by medium-sized and then small employers.

All employers, including new employers, should now be part of automatic enrolment. Whether you work full-time or part-time, your employer will have to enrol you in a workplace pension scheme if you meet these auto enrolment rules:. There is a minimum total amount that has to be contributed by you, your employer, and the government in the form of tax relief.

Some employers apply the pension contribution to the whole of your earnings, not just to qualifying earnings. Find out how much you and your employer may pay into your pension under automatic enrolment with our Workplace pension contribution calculator.

Find out more in our guide Tax relief and your pension. After the first month, you can still opt out at any time. By law, your employer must re-enrol you back into the scheme approximately every three years. This is as long as you still meet the eligibility criteria. For most people, staying in a workplace pension is a good idea, particularly as your employer must contribute to it. The contribution your employer makes to your pension is part of your overall employment package.

So opting out is like turning down pay. Call us free on or use our webchat. One of our pension specialists will be happy to answer your questions. Opening times: Monday to Friday, 9am to 5pm helpline , 9am to 6pm webchat. Closed on bank holidays. To take advantage of this flexibility, your scheme needs to state in its rules that you can pay contributions at a lower rate. It must also confirm what the employer contribution rate will be in those circumstances.

Your employer must meet the legal duties of automatic enrolment. The Pensions Regulator is responsible for workplace pensions in the UK.

If you have any concerns, speak to your employer first, if you feel you can. Try to resolve the issue with them. MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper. Download app: WhatsApp. For help sorting out your debts or credit questions.

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