Does auto-enrolment affect me?

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Auto-enrolment affects all employees who:

  • aren’t already in a workplace pension scheme that meets certain conditions (called a ‘qualifying scheme’);
  • are at least 22 years old;
  • are below State Pension Age;
  • earn more than £10,000 in tax year 2020/21; and
  • work or ordinarily work in the UK.

If you meet all of the criteria, your employer has a duty to enrol you automatically into their pension scheme. However, even if you don’t qualify to be automatically enrolled, if you’re aged over 16 and under 75 and earn more than £6,240 in tax year 2020/21, you can choose to be enrolled into the scheme by telling your employer you want to ‘opt in’. If you opt in, you'll benefit from your employer also contributing to your pension.

If you don’t qualify for auto-enrolment or enrolment through opting in, you can still tell your employer you want to join the scheme, but they don’t have to pay towards your pension.

Your pension under your employer’s scheme doesn’t replace your State Pension. Under current legislation, you’ll still be entitled to your State Pension.

This information is based on our understanding of current taxation law and HMRC practice, which may change.