How do I opt in to a workplace pension?
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If your company has a workplace pension scheme in place but you have not been automatically enrolled, you can request to opt in or join the scheme at any time.

If you want to opt in, you need to complete an ‘opt in notice’ and send it to your employer. You may also need to contact the pension provider directly and let them know that you want to opt in.

Opting in when your assessment date has been postponed

To opt in before your assessment date, you need to submit an ‘Enrolment Notice’. You will then be enrolled and start making contributions to the workplace pension as soon as your request has been processed. In some cases, you may need to contact your pension provider directly to request to be enrolled.

If you earn less than £6,136 per year, your employer is not obliged to make contributions, but you can still join the scheme and make your own contributions each pay period. If you are eligible for contributions from your employer, you will be enrolled and both you and your company will make contributions to your pension.

You can cancel your enrolment request anytime up until the time your request is actually processed. Once you are enrolled, you can no longer cancel the request and you would need to opt out instead.

Opting in if you have already been assessed and are not eligible for automatic enrolment

If you want to opt in, you need to complete an ‘opt in notice’ and send it to your employer. You may also need to contact the pension provider directly and let them know that you want to opt in.

Once you submit the opt in notice, you will be assessed again next to establish whether your company needs to make contributions on your behalf. If you earn less than £6,136 per year, your employer is not obliged to make contributions, but you can still join the scheme and make your own contributions each pay period. If you are eligible for contributions from your employer, you will be opted in and both you and your company will start making contributions to your pension.

Catherine Pinkney

Posted on Wednesday 29 Mar, 2017, 4 years ago

June 16, 2020

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