The following Pensions Q&A provides comprehensive and up to date legal information covering:
Under the Occupational and Personal Pension Schemes (Consultation by Employers and Miscellaneous Amendment) Regulations 2006, SI 2006/349 (the Pension Consultation Regs), employers must consult with either:
representatives of members affected by the proposed pension changes ('affected members'), or
the affected members directly
However, the Pension Consultation Regs have been drafted in such a way that the second option (ie direct consultation with affected members) is only available if:
the affected members have no representatives, whether:
under existing arrangements, ie in the form of:
recognised trade union representatives
representatives who have been elected or appointed under the Information and Consultation of Employees Regulations, SI 2004/3426, or
representatives under an agreement between the employer and employees, or
representatives elected specifically for the purpose of
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