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Automatic Enrolment

Frequently asked questions about automatic enrolment

You may still have questions about automatic enrolment – if these aren’t answered below, please contact us.

Frequently asked...

I am self-employed. Does automatic enrolment apply to me?

If you are self-employed, you are not required by law to enrol yourself into a workplace pension. However, it's a good idea to think about what income you'll have to live on when you retire. You might want to put some plans in place for your later life, such as starting a pension scheme, if you haven't already done so. You could choose a personal pension, self invested personal pension (SIPP) or a stakeholder pension, all of which are available from a variety of pension providers. You may also decide to join NEST (the National Employment Savings Trust) who are a Government body that provides a pension scheme.

I am the only director and employee of a limited company. How does automatic enrolment affect me?

You’re one of the few classes of worker who do not have to be automatically enrolled into a workplace pension scheme, although you can still decide to set one up if you wish. Again, you should think about what income you’ll have to live on when you retire, and whether you need to start, or increase, retirement savings.

I am on a zero hours contract. How will I be treated?

You will be automatically enrolled in the same way as other workers if you earn more than, currently, £192 a week, £833 per month or £10,000 a year and meet the other joining conditions.

I did not qualify for automatic enrolment because I did not earn enough. However, I have had a pay rise backdated which would allow me to be eligible for automatic enrolment. Should my membership be backdated in line with my backdated pay rise?

When you receive a back dated pay rise which takes you over the £192 a week or £833 per month (currently) earnings threshold amounts, you should be automatically enrolled when you receive the pay rise, provided you meet the other joining conditions. The first contribution may be higher than later contributions to reflect the backdated pay rise.

My employer didn't enrol me and now has gone into administration. Am I entitled to pension contributions?

If your employer did not automatically enrol you, and you are an eligible jobholder, you should contact The Pensions Regulator as soon as possible.  You can submit any concerns you have by:

How is maternity or paternity pay treated?

If you are receiving maternity or paternity pay, you will be treated in the same way as other workers - if you earn more than, currently, £192 a week or £833 per month, and meet the other joining conditions, you will be automatically enrolled.

Where can I find out more?

If you need more information, please contact us. A pension specialist from our team will be happy to help with whatever pensions-related question you have. Our help is always free.

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