Take a look through our FAQs, you may well find the answer to your question here. If you don't find what you're looking for please contact us.

It simply means that factors, such as your age and income, will be assessed and if you are eligible, you will automatically join your workplace pension. Many people just don’t get around to sorting out a pension. So, rather than having to sort it out for yourself, your employer will do it for you.
You don’t have to be part of your workplace pension if you don’t want to be. Think carefully before opting out, as it may affect how much money you have when you retire. You can only opt out of a workplace pension during a certain time. This is called the ‘opt out period’.
If you want to opt out within the opt out period, you can either:
Go to your online account, click on ‘opt out’ and follow the instructions – you don’t need to activate your account to do this.
Call the opt out service on 0300 330 1280.
Any payments you have already made may be refunded by your employer, and you will not have become an active member of the workplace pension on this occasion.
If you want to stop making payments after the opt out period you can do so. When you stop making payments, tax relief from the Government will stop, and usually so will any contributions from your employer.
You can re-join your workplace pension at any time. However, if you want to opt back in within 12 months of opting out, then this requires the consent of your employer. To re-join you will need to give a written signed letter/notice (or an email which must include a statement confirming that you have personally sent it). You must give this to your employer.
If you opt out or stop making payments you will be automatically enrolled back into your workplace pension every 3 years (or less). This is because your circumstances may have changed and it may be the right time for you to start saving. You will be contacted when this happens and you can choose whether you want to stay in or opt out.
This depends on the amount of money you pay into your pension, the tax relief you receive from the Government on your contributions and how much your employer puts in.

The Government takes tax off your income when you earn above a certain amount. You can see this on your payslip. If you make contributions to your pension after tax has been deducted, basic rate tax relief will be added. This means some of the money that would have gone to the Government in the form of tax now goes into your pension pot instead.

If you’re a higher rate tax payer you will have to claim additional tax relief through your self-assessment form or by contacting your local tax office. If you make contributions before any tax is taken (gross), you will benefit immediately from tax relief at the highest rate you pay.

Your pension payments are usually based on a percentage of your earnings, so the amounts will automatically increase or decrease as your earnings change. Your employer may also increase the amounts being paid into your pension over the next few years to meet the Government’s minimum contribution standards.
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