Enrolment duties—opting in and joining
Enrolment duties—opting in and joining

The following Pensions practice note provides comprehensive and up to date legal information covering:

  • Enrolment duties—opting in and joining
  • Opt-in notice and joining notice
  • Steps following receipt of a valid opt-in notice
  • Steps following receipt of a valid joining notice
  • Provision of information
  • Record-keeping

Enrolment duties—opting in and joining

CORONAVIRUS (COVID-19) UPDATE: On 9 April 2020 the Pensions Regulator (TPR) published ‘Automatic enrolment and pension contributions: COVID-19 guidance for employers’ which sets out how employers can meet their automatic enrolment duties as they navigate the effects of the coronavirus pandemic. The guidance states that automatic enrolment duties continue to apply as normal, including re-enrolment and re-declaration duties.

In addition, TPR has confirmed that the period in which schemes must report payment failures has been extended from 90 days to 150 days to give trustees and providers more time to work with employers to bring payments up to date. TPR will review this easement at the end of September 2020.

For further information, see Practice Note: Coronavirus (COVID-19)—the pensions implications for employers — Automatic enrolment duties.

A non-eligible jobholder does not need to be enrolled automatically but has the right to opt in to (ie become an active member of) an automatic enrolment scheme. The right to opt in to an automatic enrolment scheme also extends to:

  1. an eligible jobholder who was enrolled automatically into a qualifying scheme but then opted out or ceased active membership

  2. an eligible jobholder who was not enrolled automatically because they were already a member of a qualifying scheme but later ceased active membership

An entitled worker has the right to join a

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