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Will your employees need a workplace pension?

Under the workplace pension rules you may have to provide your workers with a pension by your staging date.

Before you set up a scheme you’ll need to work out which category of ‘worker’ your employees falls into. There are three categories and which one your workers fall into will depend on age and earnings.

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Eligible jobholder

If your employees fall into this category they should automatically be enrolled into a workplace pension scheme. You and your employee will need to make contributions to the scheme.

An employee can choose to opt out but you will have to re-enroll opted out employees every three years.

Non-eligible jobholder

Non-eligible jobholders won’t automatically be enrolled into the scheme but if any of your employees falls into this category they can ask to join and you will have to contribute.

Entitled workers

Entitled workers won’t automatically be enrolled into a scheme but can ask to join a scheme and you’ll have to set one up, but you won’t have to pay into it.

Detailed guidance for employers from The Pension Regulator