Throughout setting up an account and using Online Services within the Scheme, you’ll see workers referred to as employees. These terms are largely interchangeable but for automatic enrolment, employers may need to automatically enrol individuals who are classed as their workers but who aren’t their employees.

Under automatic enrolment regulations, a worker is any individual who works or usually works in the UK and who works for an employer, whether or not under a contract of employment, where the individual personally undertakes any work or service and is not undertaking the work as part of their own business. This may include agency workers, personal service workers, seafarers and offshore workers.

The Pensions Regulator’s detailed guidance No. 1 provides more information about defining a worker.


For a list of our more commonly used terms and phrases please refer to our Glossary.

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