Am I eligible For Automatic Enrolment

As an employee you may fall into one of three categories for auto-enrolment based on your age and salary.

Employees who are already members of a qualifying workplace pension scheme are not affected by auto-enrolment.

EarningsAge 16 – 21 (Inc.)Age 22 – State Pension AgeAge State Pension Age – 74
Below £5,772*Entitled WorkerEntitled WorkerEntitled Worker
£5,772 – £10,000*Non–Eligible JobholderNon–Eligible JobholderNon–Eligible Jobholder
Above £10,000*Non–Eligible JobholderEligible JobholderNon–Eligible Jobholder
*based upon 2014/15 Income Tax and National Insurance rates and subject to future change

If you are an Eligible Jobholder you will be automatically enrolled into your company pension scheme. If you choose to remain in the scheme you will benefit from both your own contributions and a contribution from your employer – noting that you both have to pay a minimum level of contributions. You do have the choice to opt-out of the scheme, but only after you have been enrolled.

If you are a Non–Eligible Jobholder you will not be automatically enrolled to your company pension scheme, however, you can still join the scheme if you wish. This is known as opting in. If you do join and remain in the scheme, you will benefit from both your own contributions and a contribution from your employer – noting that you both have to pay a minimum level of contributions.

If you are an Entitled Worker you will not be automatically enrolled to your company pension scheme. You can ask to join the scheme, however, your employer is not obliged to contribute to the scheme on your behalf.