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Automatic Enrolment

I have more than one job – how does this affect me?

If you work for more than one employer, you may be automatically enrolled into more than one workplace pension scheme.

What happens if I have more than one job?

If you have more than one job, each of your employers will check whether you’re an eligible jobholder for that employment. If you are, then you will be automatically enrolled into that employer’s workplace pension scheme, but you may decide to opt out.

If you’re a non-eligible jobholder or an entitled worker, you may ask to join that employer’s workplace pension scheme. You may be asked to pay contributions, based on your pay from that employment, to each of the schemes that you join.

Schemes may also provide your retirement benefits in different ways, depending on whether the scheme is a defined benefit scheme or a defined contribution (money purchase) scheme, but the important thing is that you will be building up valuable retirement benefits.

Should you leave an employer, or as you near the date at which you will start drawing retirement benefits, it may be possible to start combining the benefits held under each scheme by transferring one pension pot in to another. It may also be possible to transfer other pension pots you may have belonged to in the past into an employer’s workplace pension scheme.

Since 2006, there has been no restriction on the number of different pension schemes that you can belong to, although there are limits on the total amounts that can be contributed across all schemes each year, if you are to receive tax relief on contributions.

Frequently asked...

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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