Your employer will explain in writing exactly how automatic enrolment will affect you.
The precise timing of your employer telling you about automatic enrolment depends on when the employer is due to auto-enrol employees. The largest employers have already started automatic enrolment. The smallest employers will start between 2014 and 2018. Your employer will be in touch around the time that they have to start automatically enrolling their workers.
Employers also have to provide this written information to:
- any new workers who start after automatic enrolment has begun
- any existing workers who weren’t initially eligible for automatic enrolment, but who subsequently meet all the conditions listed in the section above
Your employer must tell you:
- when you’re being enrolled
- who operates the pension you’re being enrolled into
- what type of pension it is
- the level of contributions you and your employer will pay into the pension
- how to opt out if you don’t want to remain in the scheme
If you already have a workplace pension, your employer will need to ensure that it is a qualifying scheme under the new pension legislation. If it's not, they will auto-enrol you on a new scheme provided you are eligible.
If you’re not already in a workplace pension, but you don’t meet all the criteria to be automatically enrolled, then your employer will tell you:
- that you have the right to join
- whether or not they will make contributions to your pension