What is a Workplace Pension?

by Kelly Wallace Horne

Since April 2017, it’s compulsory that all eligible employees receive a Workplace Pension as part of their employment contract, and this applies to grooms working in the equine industry. There is still a lot of confusion surrounding Workplace Pensions ie:

who is eligible for one?
who should be paying into one?

We have put together a simple guide researched to answer 10 common questions regarding Workplace Pensions in the equine industry. Our sources are reliable authorities on these matters and they provide much more detailed and official detail for you. They are listed at the bottom of this article. We have summarised some of their instructions for ease and convenience but you must satisfy yourself that you remain compliant with the exact details of what they instruct and advise – obviously we are not pension experts.

In this article we cover:

what is a Workplace Pension?
what does this mean?
who should expect to receive one?

1. What is a Workplace Pension Scheme?

A Workplace Pension scheme helps employees save for their retirement through contributions deducted directly from their wages. The majority of schemes will also provide other benefits, for example, support for the recipients partner in the event of death. If an employee is eligible for automatic enrolment, their employer has to enrol them into the scheme.

In the past, employees had to set up their own personal pension scheme. Now, with the compulsory Workplace Pension most employees are signed up straight away and have to arrange to opt out if they no longer want to pay into the pension scheme. The money paid into the Workplace Pension scheme comes straight out of the employees wages, so it’s already been deducted when salary goes into the bank, just like tax, National Insurance or a student loan repayment.

What is a Workplace Pension - employees who are eligible

2. Who is eligible to receive a Workplace Pension?

Employers must enrol all eligible employees into their Workplace Pension. This is referred to as “automatic enrolment”. Employees will be eligible if:

they work on an employed basis, not a self-employed or freelance groom
they are aged 22 or over
they are under State Pension age
they earn more than £10,000 a year (£192.30 or more gross weekly)
they usually work in the UK

3. Who pays into the Workplace pension? The employer, or the employee?

What is a Workplace Pension - employer contributions Usually both! Unlike other ways of saving, a Workplace Pension means the employee isn’t the only one paying money in. The employer has to contribute too, as long as the employee earns over £6,240 a year (£120 gross weekly). Both the employee and the employer must pay a percentage of the employees earnings into the Workplace Pension scheme.

Employees also get a contribution from the government in the form of tax relief. This means some of the salary that the government would have taken as income tax is paid directly into the Workplace Pension instead.

When an employer automatically enrols an employee into their Workplace Pension scheme, they must write to the employee to inform them of:

the date they’ve added the employee to the pension scheme
the type of pension scheme and who runs it
how much they will contribute and how much the employee will have to pay in
how the employee can leave the scheme should they want to

An employer can delay the date they must enrol a new employee into a pension scheme by up to 3 months, but they must:

tell the employee about the delay in writing
let the employee join the Workplace Pension scheme in the meantime if they ask to

If an employee works part time and earns less than £10,000 employees can still ask to join, in which case the employer can’t refuse the request and must make contributions, but employers are not expected to enrol them automatically.

4. How much is paid into a Workplace Pension?

There is a minimum total amount that has to be contributed by both the employee and the employer, based on your total earnings between £6,240 (£120 gross weekly) and £50,270 a year before tax (£966.73 gross weekly). This is known as “qualifying earnings”. Qualifying earnings include:

salary or wages
bonuses and commission
overtime
statutory sick pay
statutory maternity, paternity or adoption pay

What is a Workplace Pension - plan for your retirement So, for example, if a Groom earns £450 gross weekly (£23,400 a year), the contribution would be a percentage of £17,160 (the difference between £6,240 and £23,400).

As of April 2022 the minimum amount required to pay in has been 5% from the Groom and 3% from the employer.

Some employers apply the minimum pension contribution to the whole of the employee’s earnings, not just to qualifying earnings. This depends on how the Workplace Pension scheme is set up.

To offer a very basic example, each payday:

the employee puts in £40
the employer puts in £30
the employee gets £10 “tax relief” – £10 is deducted from income tax and paid into the Workplace Pension instead

A total of £80 goes into the employees pension.

In simpler terms: for a groom aged 25 or over who earns the National Living Wage of £9.50 and works a 5.5 day/44-hour week (£412 gross per week), the groom will contribute £14.90, their employer will contribute £8.94 per week, making a combined contribution of £23.84 to the Workplace Pension scheme (based on the qualifying portion of the salary). You can work out the contribution on any salary using the Money Advice Service Workplace Pension Contribution calculator here.

Employers:

Pension contributions are an allowable business expense, so you will also receive tax relief on the contributions you make to your employees Workplace Pension. You can read more on this by clicking here.

Grooms:

If you are not sure whether you pay Workplace Pension contributions on qualifying earnings or on full earnings, talk to your employer. Your employer will let you know how much of your earnings you need to contribute. They might tell you this as a sum of money or as a percentage. If they give you a percentage, you can find out what it means in pounds and pence using the Workplace Pension Contribution Calculator provided by The Money Advice Service by clicking here.

5. When and how are the Workplace Pension contributions paid?

Once an employee is automatically enrolled, contributions to the Workplace Pension will start straight away. Employer’s deduct the employees contribution directly from the employees pay, whether the salary period is weekly, monthly, or four weekly. This means that the employee doesn’t have to budget for the contribution out of their “take-home” salary, as when they receive their wages the pension contribution has already been paid.

6. How does the Workplace Pension work when an employee has more than one job?

If an employee has more than one job, each job is treated separately for automatic enrolment purposes. This means an employee might be enrolled on more than one Workplace Pension scheme, and this is fine.

Each employer will check whether the employee is eligible to join their pension scheme and will automatically enrol the employee into their Workplace Pension scheme.

If you work any of your part time jobs on a self-employed or freelance basis you will not be eligible for a Workplace Pension for that particular workplace. You can read more about pensions for self-employed and freelance workers below.

Grooms:

If you don’t want to be a member of more than one scheme you can choose to opt out of one of them, but you don’t have to. You can pay into more than one pension scheme if you want to.

Important info:

What is a Workplace Pension - plan to retire If you earn more than £6,240 (£120 gross weekly) but less than £10,000 (£192.30 gross weekly) in any of your jobs you won’t be automatically enrolled in that employer’s pension scheme, but you can ask to join and your employer cannot refuse you.

Bear in mind that if you earn less than £6,240 a year (£120 gross weekly) in ALL of your part time jobs you won’t be automatically enrolled on any pension scheme, and you may not have sufficient pension to live on when you reach retirement age – it pays to think and do some calculations ahead! You want to be able to enjoy your retirement with your horses, not still be having to work to make ends meet! NB: In this situation, you can still ask to join your employers’ pension schemes and they cannot refuse you, but your employer doesn’t have to contribute.

Use the Workplace Pension Contribution Calculator provided by The Money Advice Service to check what the pension situation is for each of your part time jobs. Remember, information for each job must be put into the calculator separately – don’t add your salaries together or you’ll get the wrong result! Go to the calculator by clicking here.

7. What happens to the Workplace Pension when an employee changes jobs?

It’s important to know what happens to a Workplace Pension when the employee leaves a job and starts a new one. This is largely the employee’s responsibility as the employer’s obligations have ended with the termination of the employment contract.

Grooms:

What you do about your pension when you change jobs depends on what types of Workplace Pension schemes you’ve been enrolled on.

It’s very important to keep records of the pension providers your employers have enrolled you through. The pension belongs to you, not your employers, so you need to be in the know! Always ask each of your employers for the details of their Workplace Pension scheme and keep it safe, even after you’ve left your job with them!

When you leave a job you may choose to:

leave your pension in your old employer’s scheme to be paid to you when you retire
transfer your pension to a new Workplace Pension scheme with your new employer
transfer your pension to a personal pension that you manage yourself

What is a Workplace Pension - Moving your pension to a new job

If you worked at your job for less than 2 years before leaving, you may be able to get a refund on what you’ve contributed. Check with your employer or the pension scheme provider.

Always speak to the Workplace Pension provider (the pension company, not your employer/former employer) about your options when leaving a job – the options available to you will differ depending on the particular pension provider your employer has used. If necessary, you can also get independent advice on your options. The Citizen’s Advice Bureau provide information on gaining independent financial advice here.

The Money Advice Service website has guidance on what to do if you are thinking about transferring a pension at www.moneyadviceservice.org.uk.

Don’t forget to let your old pension provider know where you are if you change address later on. It’s easy to lose touch and this can make things more difficult when you retire and need your pension!

8. How do self-employed workers receive a Workplace Pension?

If a worker is self-employed, or works for someone else on a self-employed/freelance basis, the client (who would otherwise be the employer) has no Workplace Pension responsibilities, and it is entirely the worker’s responsibility to set up their own pension. Saving for your retirement is very important, so don’t overlook this critical part of ‘future proofing’. It’s important that self-employed and freelance workers find out about paying into a personal pension scheme. You can read more on this from The Money Advice Service here.

9. What if an employee has already got a pension?

An employee can have more than one pension scheme, so enrolling on a Workplace Pension scheme is not affected by any other pensions already held.

10. What if I don’t want to pay into a Workplace Pension?

Employers:

All employers have to automatically enrol their eligible workers into a Workplace Pension, this isn’t something you can opt out of.

As an employer you cannot:

unfairly dismiss or discriminate against an employee for being in a Workplace Pension scheme
encourage or force an employee to opt out of the Workplace Pension

It is well worth noting failure to automatically enrol eligible employees for a Workplace Pension can incur fines, plus you will have to pay backdated payments into your employees’ Workplace Pension schemes which, over time, can run into thousands of pounds. Your employees will also have to make backdated contributions. We can all agree, this is not a situation anyone wants to find themselves in!

If your employee asks to opt out of your Workplace Pension scheme it’s advisable that you don’t simply act upon the outcome of a casual chat – get everything in writing.

NB: If an employee works part time and earns less than £10,000 they can still ask to join your Workplace Pension scheme, and you can’t refuse them.

If an employee has opted out of the Workplace Pension scheme you are required to automatically re-enrol them into the scheme every 3 years (from the date you first enrolled them) if they’re still eligible for it. This is a legal requirement. You must write to the employee when you do this, and the employee can leave the scheme again, but only after you’ve re-enrolled them, not before.

The Pensions Regulator website (part of www.gov.uk) has some very useful tools that will help you to find the information you need, with simple Question and Answer forms that will walk you through to the relevant information that is specific to you. You can find these tools by clicking here.

Grooms:

You can opt out of your employer’s Workplace Pension scheme after you’ve been enrolled, but if you do, you’ll lose out on your employer’s contribution to your pension, as well as the government’s contribution in the form of tax relief. You may also find yourself without an adequate pension to live on when you reach retirement age!

For most people, staying in a Workplace Pension is a good idea, especially as your employer must contribute to it as well. The contribution your employer makes to your pension is part of your overall salary package – so opting out is a bit like turning down pay!

There are circumstances in which it might make sense to opt out, for example, if you’re dealing with unmanageable debt. It’s not a good idea to opt out purely so you have more disposable income each week/month!

What is a Workplace Pension - Keep paying into a pension fund

How can an employee leave (or “opt out”) of the Workplace Pension?

Your employer will have sent you a letter telling you that you’ve been added to the scheme and you can opt out at any time, if you want to:

ask the company that provides your employer’s Workplace Pension scheme for an opt-out form. Ask your employer for the details you need.
You must then return your completed form to your employer, not to the people who run the scheme.
If you opt out within a month of being added to the scheme, you’ll get back any money you’ve already paid in.
You may not be able to get your payments refunded if you opt out later – they’ll usually stay in your pension until you retire.
You can opt out by contacting the pension provider. Your employer must tell you how to do this.

NB: Your employer is required to automatically re-enrol you in the scheme every 3 years (from the date you were first enrolled) if you’re still eligible for the Workplace Pension scheme. This is a legal requirement and they’ll write to you when they do this. You can leave the scheme again, but only after you’ve been re-enrolled.

Can I reduce my payments into the Workplace Pension?

You may be able to reduce the amount you contribute to your Workplace Pension for a short time. Check with both your employer and your pension provider to see if you can do this and how long you can do it for.

Can I opt back into a Workplace Pension?

You can do this at any time by writing to your employer. They are not legally obliged to accept you back into their workplace scheme if you’ve opted in and then opted out in the past 12 months, so make sure you really want to opt out before making any bold moves.

Sources and further reading

The Government website gives more detail on Workplace Pensions here.

The Money Advice Service gives more detail on Workplace Pensions here.

The Citizens Advice Bureau gives more details on Workplace Pensions here.

Use the Money Advice Service Workplace Pension Contribution calculator here.

Self-employed and freelance workers can find out more on the Government website about the different types of private pension here.

For employers, Pru Adviser gives further information about business tax relief on pension contributions here.

Both employers and employees can contact ACAS for information and advice on any matter regarding employment. You can find contact details for ACAS here.

All information is correct at the time of publishing this article (February 2019). This article offers basic guidelines, and we always advise you to consult financial and pension experts before acting.

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Caroline Carter Recruitment Ltd

Live in Live out Germany

Add considerable experience to your CV – why not consider as a short-term contract position (6-9 months available) as well as long-term jobs. If you have an EU or German passport, an adventurous spirit and would like to show what you are capable of or add to your CV, then this could be for you! *Salary £2047.71 per month/£24,572.52 pa annum/£472.54 pw (Euros equivalent) *Food/accommodation and utilities small charge * Must have an EU or German passport *Dog considered. One of the most professional performance horse yards in the world is looking to add to its team with two key Stud Roles to look after broodmares and their foals. You would also be involved in vet checks and inseminations, youngstock handling, stable management, feeding, health care, farrier, etc Grooms/Stud staff interested in working in their world-leading AI laboratory This position requires someone super meticulous and organised to fill and pack the orders for mares to be put in foal to their world-class stallions via AI you don´t need any horse or lab experience at all. This employer is happy to consider junior and senior, experienced or less experienced. Enthusiasm and dedication to work alongside the best horses, riders, and horsepeople. This opportunity would be GREAT FUN and a second-to-none experience which would enhance your career anywhere you chose in the future both at home and abroad. A rare insight into world-class horses, world-class facilities, and a truly remarkable experience for any Groom or Stud Person seriously interested in getting to the top of their game. There are also considerable opportunities for advancement and promotion possibilities if you wish to remain in Germany. Please note: Medical aid – by law both employer and employee have to pay 50% Statutory sick pay – the employer pays for the first 6 weeks of medical insurance, after the 6 weeks they pay around 60-70% 3 meals per day will be provided when working on site, (one of which is a warm cooked meal), the employee pays 163€ per month contribution All employment/immigration /legal administration – The employer will assist with this but there will be a joint responsibility between the employee and Employer. The agency, Caroline carter Recruitment Ltd. in its capacity as an introductory and not an employment agency, does not get involved with this apart from in terms of communication between employee and employer if requested in writing/email by the employee or employer Covid-19 – The employee must have had the 1st and 2nd doses but it is not mandatory to have had the booster. This will be at the employee’s discretion but the employer retains the right to restrict duties without it. Please call Caroline on 0203 006 5730 or email info@carolinecarterrecruitment.com

JL116878 West Sussex – Long term Yard Manager/Groom required for FAMILY YARD

Private

Live in West Sussex, UK

Job Description Wonderful position at a family yard with sole charge of our horses/ponies. We offer onsite accommodation and competitive pay/benefits The ideal candidate will be competent, organised and flexible We’re looking for someone who will take pride in keeping the yard clean and tidy and to look after the horses as if they are their own. Flexibility within the role is a must – as the days can really vary! And we would ideally like to find someone who is looking for a long term role. All normal yard duties daily – we usually have 3 horses + 2 ponies. One weekend day at least. 5.5days/week. WE CANNOT ACCOMMODATE OWN HORSE CURRENTLY Must have driving licence. Can offer HGV training opportunity Experience working with children and ponies (and a good sense of humour!) required We offer a competitive package to the right person and very good working conditions Please only apply if you have the appropriate VISA/paperwork to live and work in the UK long term Please get in touch to find out more. Minimum Requirements Must have references and experience Driving licence required Accommodation details 2 bed sole use static home (very modern only a few years old and in great condition) Benefits Competitive salary, paid holiday and pension scheme

JL116803 Hertfordshire – Full Time Competition Groom for Show Jumping Yard

Astwick Bury Farm

Live in Hertfordshire, UK

Job Description Looking for a keen enthusiastic individual to come and join our small family run yard. Must be someone who is open and friendly with good communication skills, and capabale of taking overall responsibilty of the horses. Someone who is organised and methodical with their work. You will be working with top quality showjumpers from young horses through to Grand Prix. We have 12 horses max with 3 full time members of staff. Job will require all usual yard duties, tack cleaning, bandaging, tacking up, also lunging and dealing with fit competition horses including young horses and stallions. You will be required to go to all the shows both international and national. Fun friendly team to work with, alongside lovely horses. Live in position is available Please contact me for more information about the position. Pay is dependent on experience but we are on the books here so will include holiday pension etc Accommodation details Fully kitted out mobile home Benefits Potential for a horse

JL116740 Wiltshire – Competition Groom for Showjumping Yard

Baydon House Farm

Live in Live out Wiltshire, UK

Job Description We are looking for a Competition Groom to join our friendly and family-run Show Jumping yard near Marlborough This is a fantastic opportunity for a full-time, work-proud and driven individual. Option to live-in for the right person with a competitive salary dependent on experience. We are looking for a team player willing to get stuck in and enjoy the role. Fantastic indoor and outdoor facilities within family run yard in beautiful surroundings and friendly environment. Minimum Requirements Applicant must be competent around high class horses as well as youngsters. Accompanying competitor on national and international tours; turning out to a high standard when home and away. Ideal candidate will have HGV licence but not imperative. Accommodation details Potential to live-in for the right candidate. Newly finished flat on the farm complete with open plan kitchen, one double bedroom and en suite bathroom. Benefits Competitive salary dependent on experience.

JL116732 Scotland, East Lothian – Groom/Au Pair (optional riding) for Family Yard

Muirton

Live in Live out Scotland, UK

Job Description I am looking for someone to help me with our small private yard of ponies. My 3 daughters are all doing Working Hunter and a small bit of flat showing and I am now requiring help for shows and show preparation. There will be general yard duties during the week too, but I am happy to give the candidate the beginning of the week off if they have been at shows during the weekend. Minimum Requirements Must be able to plait and turn out to a high standard. Must be a happy disposition, and get on with the children. Drivers license required Non smokers Accommodation details In a mobile home on the farm Benefits A use of a car will be provided if candidate does not have one. We are 20 mins from the centre of Edinburgh with easy access to trains.

JL116385 Cambridgeshire – Permanent, experienced team Groom/Rider for established and traditional Hunting yard.

Caroline Carter Recruitment Ltd

Live in Live out Cambridgeshire, UK

Cambridgeshire – Permanent, experienced team Groom/Rider for established and traditional Hunting. *IRO £22K+accommodation (pay own electricity) *warm, cosy 1-bed apartment *Dog welcomed *Lots of riding on big, fit hunters *Great for experienced Groom or a chance to get some proper Hunt Yard experience on your CV! Lovely position available on a well-established, traditional family hunt yard within a beautiful estate. Fun, professional team renowned for being great at what they do. You will work hard but be treated well and have a very rewarding job! The position involves all grooming duties to a good standard. Lots of riding is available but you must be a strong confident good jockey, (horses ranging from 15.2-18.2HH and are fit and well). You will be taught to clip, plait (sew plaits) etc but if you already possess these skills even better. 5.5 days a week (Sunday off and half a day in the week) Hours are 6.30- 12. 30 and then just 1.5 hours in the afternoon (1.00 pm). Great facilities/menage/lunge pen/500 acres/excellent hacking. Call Caroline & the Team on 0203 006 5730 or email info@carolinecarterrecruitment.com

JL116009 Gloucestershire, between Cirencester and Cheltenham – Live Out, Sole Charge Groom/Rider for Amateur Rider (Eventing, Dressage)

Withington Manor

Live out Gloucestershire, UK

Job Description Self-employed groom sought 3-5 hours a day, generally 5 days a week, to care for and manage three competition horses in a private yard between Cirencester and Cheltenham, Gloucestershire (GL54) We are seeking an enthusiastic, reliable, efficient, trustworthy person. The person needs to be capable of sole charge, with high standards and a good level of equine management, including fitness, and riding skills for hacking and schooling. Ability to clip, plait, and turn out to show/event standard is required. The role is for someone who is a good communicator, open minded to occasional equine complementary therapy, and adaptable to usual competition flexibility, with a sense of humour. Whilst there are usually people around, initiative and responsibility is required The person will be responsible for organising and booking the diary, for lessons, farrier, vaccinations, chiropractor, dentist, training and event schedules, alongside rider support. Minimum Requirements Average hours are 3 – 5 hours a day, minimum of 2, but need to be flexible and event days will be longer hours. There is an opportunity of additional work, alongside this role, in a large attached livery yard. Self employment required. This is a lovely and cheerful environment, with lovely horses, who are very much cherished, excellent facilities and outstanding hacking. Possibility of stabling your own horse on site. ***Start date is flexible – can start any time between now and June 2024, please contact and discuss***

JL113920 Hampshire, Nr Hook – Rider/Groom/Instructor (no formal qualifications required). Family Yard.

Caroline Carter Recruitment Ltd

Live in Live out Hampshire, UK

*Salary £35,000 PA depending on experience and qualifications.*5 day week *Horse welcomed *Discretionary, generous end of year bonus *Overtime available *Very interesting role We have placed several staff with these employers over the years and most are still in situ with the feedback in all respects extremely positive. ‘Lovely family, a great place to work, nice people, more than fair remuneration Exciting Role on a small yard of 10 rare breed/schoolmaster horses for a really lovely private HNW family. The family reside in the UK seasonally and now needs an accomplished, calm, confident, self-starter with a passion for high standards of horse care and VIP client interactions to join the team. The daily role is inclusive of completing all yard jobs to a high standard, and exercising the horses both under saddle and in the carriage (opportunity to learn to carriage drive if not currently in your skillset). The horses need to be kept in a manner that keeps the horses suitably trained for their intended purpose and with a high level of turnout and yard. In the season the role is similar to a competition groom role, exciting and dynamic with different requests to fulfil on the main premises inclusive of pony riding, carriage driving, trekking, photoshoots, events and more! The ideal candidate would possess their HGV licence, but at minimum, the candidate will need to be confident driving a 3.5t and towing with a manual car and trailer with a willingness to obtain a HGV with the employer’s sponsorship longer-term. The candidate will need to be flexible regarding hours during the “season” the family are in residence as some events run into the evenings, this time is well remunerated and those that go above and beyond to make the residency period run smoothly are well rewarded with a very generous discretionary bonus at the end of the season. Daily working location is based in Hook, Hampshire, main estate based near Windsor, during the “season” you will be required to work from either/both locations. Could be live-in or live-out position but a relocation package is offered whereby the employer provides allowance for accommodation for 4 months, (giving time to look for own accommodation in the area). Amazing private facilities with space for 20 horses but family have <10 : International sized arena, own gallops and show jumps. Great hacking. Call Caroline and The Grooms List team on 0203 006 5730 or email info@carolinecarterrecruiment.com

JL115499 Herefordshire – Full-time Live-In Groom/Rider required for Private Estate

Private Estate, Herefordshire

Live in Herefordshire, UK

Job Description English family relocating from Scotland are looking for a live-in groom to start June 2024. This is a full-time position with the requirement to work ad hoc Saturdays or Sundays as needed. The applicant will be in sole-charge of two perfectly behaved cobs and three (pretty perfectly) behaved shetland ponies. The family are currently looking to acquire three further horses / ponies to add to their team. The private estate is a working farm with excellent equine facilities. There is an outdoor arena with show jumps, miles of off-road hacking and plans for an extensive cross country course. This is a very happy and family focussed home, with young children, dogs and other livestock. HGV 7.5 ton license preferable, but for the right candidate the family would sponsor the required training and qualifications. CVs and references will be required. Minimum Requirements All yard duties must be performed to a high standard. Applicant must be a sensitive and confident rider and happy to work through any schooling or behavioural issues. Due to the size of the horses, the family require a lightweight groom, ideally one who is able to exercise and school small stocky ponies. Candidate must be energetic, a team player, with good social skills and the ability to work harmoniously alongside other staff. The family are also looking for a positive, happy groom who would also really enjoy riding with (and teaching where needed) the younger members of the family. A DBS certificate will be required. Accommodation details Idyllic one-bedroom flat adjoined to the main house, overlooking the farm and parkland. This flat is in excellent condition and there is a strong expectation that this standard of accommodation will be maintained by the successful applicant. – Council tax paid for – Water and heating paid for (T&Cs apply) – All other utilities to be covered by the applicant Benefits For the right candidate, this position offers: – The opportunity to bring with them their own horse – The opportunity to bring with them a maximum of two well behaved small pets (indoor cats only) – The opportunity to use the family horse box for personal use (when not in use by the family) Pension as standard

What is a Workplace Pension?

by Kelly Wallace Horne

1. What is a Workplace Pension Scheme?

2. Who is eligible to receive a Workplace Pension?

3. Who pays into the Workplace pension? The employer, or the employee?

4. How much is paid into a Workplace Pension?

Employers:

Grooms:

5. When and how are the Workplace Pension contributions paid?

6. How does the Workplace Pension work when an employee has more than one job?

7. What happens to the Workplace Pension when an employee changes jobs?

Grooms:

8. How do self-employed workers receive a Workplace Pension?

9. What if an employee has already got a pension?

10. What if I don’t want to pay into a Workplace Pension?

Employers:

Grooms:

Sources and further reading

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