How to Process Pension Scheme Membership, Opting Out & Keeping Records

Eligible Jobholders

  • Provide certain information to the pension scheme and eligible jobholder.
  • Automatically enrol them into an automatic enrolment scheme.
  • Deduct any jobholder contributions from salary and make contributions on their behalf.
  • Process any opt-out notices and refund any contributions paid.
  • Re-assess worker type roughly every three years and re-enrol those who have previously opted out, stopped making contributions or ceased membership more than 12 months before each re-enrolment date.
  • Keep records of the automatic enrolment, opting out process and provide to The Pension Regulators if requested. If the eligible jobholder is already in a qualifying pension scheme, the employer must provide certain information within two months.

Non Eligible Jobholders

  • Provide certain information to the non-eligible jobholder including their right to opt-in to an automatic enrolment scheme.
  • Arrange pension scheme membership.
  • Deduct any jobholder contributions from salary and make contributions on their behalf.
  • Process any opt-out notices and refund any contributions paid.
  • Re-assess worker type roughly every three years and re-enrol those who have previously opted out, stopped making contributions or ceased membership more than 12 months before each re-enrolment date.
  • Continue to assess the non-eligible jobholder in case they change category depending on age and earnings.
  • Keep records of the enrolment, opting in and opting out process and provide to The Pension Regulator if requested.
  • If the non-eligible jobholder is already in a qualifying pension scheme, the employer must provide certain information within two months.

Entitled Workers

  • Provide certain information about their right to join a pension scheme.
  • Arrange pension scheme membership. The scheme doesn’t have to be an automatic enrolment scheme.
  • Deduct contributions from their salary and pay these into the scheme. Employers are not required to make contributions although they can choose to do so.
  • Continue to assess the entitled worker in case they change category depending on age and earnings.
  • Keep records of the joining process and provide to The Pension Regulator if requested.
  • If the entitled worker is already in a pension scheme run by the employer, the employer doesn’t have to provide them with any information.

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