Workplace Pensions


About Workplace Pensions


A workplace pension is a way of saving for your retirement that's arranged by your employer. Some workplace pensions are called 'occupational', 'works', 'company' or 'work-based' pensions.


How they work


A percentage of your pay is put into the pension scheme automatically every payday. In most cases, your employer also adds money into the pension scheme fro you. You may also get tax relief ( from the government.


Joining a Workplace Pension


By 2018 all employers must provide a workplace pension scheme. This is called 'automatic enrolment'.


Your employer must automatically enrol you into a pension scheme and make contributions to your pension if all of the following apply:



Use the staging date calculator ( to checkwhen you could be enrolled. (Your employer can delay the date they enrol you in certain circumstances.) The calculator is for employers but also works for employees.


When your employer doesn't have to automatically enrol you


Your employer usually doesn’t have to automatically enrol you if you don't meet the previous criteria or if any of the following apply:



You can usually still join their pension if you want to. Your employer can't refuse.


If your income is low


Your employer doesn't have to contribute to your pension if you earn less than:


  • £490 per month
  • £113 per week
  • £452 per 4 weeks


What happens when you're automatically enrolled


Your employer must write to you when you've been automatically enrolled into their workplace pension scheme. They must tell you:


  • the date they added you to the pension scheme
  • the type of pension scheme and who runs it
  • how much they'll contribute and how much you'll have to pay in
  • how to leave the scheme, if you want to
  • how tax relief applies to you


Delaying your enrolment date


Your employer can delay the date that they must enrol you ( into a pension scheme by up to 3 months.


In some cases they may be able to delay longer if they've chosen either:



Your employer must:


  • tell you about the delay in writing
  • let you join in the meantime if you ask to


What your employer can't do


Your employer can't:


  • unfairly dismiss or discriminate against you for being in a workplace pension scheme
  • encourage or force you to opt out




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Postal Address

James Johnson (Accountancy) Ltd

7 Peddars Drive, Hunstanton

Norfolk, PE36 6HF


Snettisham Office

43 Lynn Road, Snettisham

Nofolk, PE31 7LR